Property Taxes in Scotland, Maryland
Median Scotland, Maryland effective property tax rate: 0.97%, significantly lower than the national median of 1.02%, and lower than the Maryland state median of 1.21%.
Median Scotland, Maryland home value: $350,550
Median annual Scotland, Maryland tax bill: $3,296, $896 higher than the national median property tax bill of $2,400.
How are property taxes in St. Mary's calculated?
Property taxes in Scotland, Maryland are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Scotland's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Scotland, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Scotland Property Tax Calculator Work?
Use this Scotland property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Scotland's median effective tax rate of 0.97% — based on actual property records in St. Mary's County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Scotland's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Scotland: rates range from $3296 in 20687 to $3296 in 20687, primarily due to differences in school district levies and local assessment districts. Scotland's median effective tax rate is lower than St. Mary's County's 1.21% but higher than the national median property tax rate of 1.02%, and the median property tax bill is $3296, which is $896 higher than the state median property tax bill.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Scotland.
About Scotland Property Taxes
About Property Taxes in Scotland, St. Mary's, Maryland
Scotland’s median effective property tax rate of 0.97% is lower than the St. Mary's County base levy and higher than the Maryland state median of 1.21%. It is also lower than the national median of 1.02%. This rate reflects the St. Mary's County base levy combined with local school district levies and special taxing districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Scotland. Homeowners in ZIP code 20687 carry a median effective rate of 0.97%, while those in 20687 pay 0.97%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across St. Mary's County. Understanding which part of Scotland you live in can make a meaningful difference to your annual tax bill.
Scotland homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before the February 13, 2026 deadline each year.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Scotland, St. Mary's County, Maryland
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Scotland's effective property tax rate to other cities in Maryland and the median property tax rates in Maryland and the U.S.
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Scotland Tax Rate
0.97%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective St. Mary's County Tax Rate
1.00%
Median Effective Maryland Tax Rate
1.21%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Scotland, St. Mary's County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 20687 | 0.88% | 0.93% | 0.97% | 1.00% | 1.04% |
Source: Ownwell
Property Tax Assessment Values Across Scotland, St. Mary's County, Maryland
When examining property taxes in Scotland, Maryland, understanding the distinction between "market value" and "assessed value" is crucial.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The St. Mary's County appraisal district estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices:
In St. Mary's County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of December.
Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Scotland.
For example, the median home price in Scotland is $350,550, with tax bills ranging significantly across the county. 20687 has the highest median home price at $350,550.
Property Tax Assessment Values Across Scotland, St. Mary's County, Maryland
Source: Ownwell
$243,700
$385,275
$526,850
Median Scotland Market Value
$350,550
Median St. Mary's County Market Value
$332,600
Median Maryland Market Value
$338,400
Median United States Market Value
$274,101
Property Tax Assessment Values Across Scotland, St. Mary's County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 20687 | $165,170 | $230,150 | $350,550 | $461,200 | $621,300 |
Source: Ownwell
Property Tax Bills Across Scotland, St. Mary's County, Maryland
Property tax bills in Scotland are based on the assessed value of a home and the local tax rate set for St. Mary’s County. For a home with a median market value of $350,550, the bill can vary widely depending on the property’s assessed value and any applicable exemptions or local adjustments. The 25th percentile tax bill is $2,247, while the 75th percentile tax bill is $4,344, showing how much bills can differ from one homeowner to another. The 90th percentile tax bill reaches $5,790, which is well above the national median property tax bill of $2,400.
These taxes affect homeowners by increasing the annual cost of owning a home, especially when assessed values rise. In Scotland, the median tax bill is $3,296, which is also higher than the national median property tax bill. Homeowners should understand that property taxes are determined by both home value and the county’s tax rate, so similar homes can still have different bills.
Median Scotland Tax Bill
$3,296
Median St. Mary's County Tax Bill
$3,276
Median Maryland Tax Bill
$4,092
Median United States Tax Bill
$3,209
Property Tax Bills Across Scotland, St. Mary's County, Maryland
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 20687 | $1,611 | $2,247 | $3,296 | $4,344 | $5,790 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | February 13 |
Links | |
|---|---|
| St. Mary's Tax Assessor | |
| Website | sdat.dat.maryland.gov |