Chelmsford, Middlesex County, Massachusetts Property Taxes
Property Taxes in Chelmsford, Massachusetts
Median Chelmsford, Massachusetts effective property tax rate: 1.39%, significantly higher than the national median of 1.02%, and higher than the Massachusetts state median of 1.15%.
Median Chelmsford, Massachusetts home value: $595,100
Median annual Chelmsford, Massachusetts tax bill: $8,272, $5,872 higher than the national median property tax bill of $2,400.
How are property taxes in Middlesex calculated?
Property taxes in Chelmsford, Massachusetts 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 Chelmsford's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Chelmsford, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Chelmsford, Middlesex County, Massachusetts Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.39%
Estimate Property Tax Bill
$8,272
$7,676
How Does the Chelmsford Property Tax Calculator Work?
Use this Chelmsford property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Chelmsford's median effective tax rate of 1.39% — based on actual property records in Middlesex County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessment system uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Chelmsford'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 Chelmsford: rates range from 1.39% in 01824 to 1.39% in 01824, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Chelmsford.
About Chelmsford Property Taxes
About Property Taxes in Chelmsford, Middlesex, Massachusetts
Chelmsford’s median effective property tax rate of 1.39% is higher than the Massachusetts state median of 1.15% and higher than the national median of 1.02%. This rate reflects the Middlesex County base levy combined with local school district levies and special assessment districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Chelmsford. Homeowners in the 01824 ZIP code carry a median effective rate of 1.39%, while those in the same ZIP also pay 1.39%. This spread — 0 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Middlesex County. Understanding which part of Chelmsford you live in can make a meaningful difference to your annual tax bill.
Chelmsford homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the February 1, 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 Chelmsford, Middlesex County, Massachusetts
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 Chelmsford's effective property tax rate to other cities in Massachusetts and the median property tax rates in Massachusetts 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 Chelmsford Tax Rate
1.39%
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 Middlesex County Tax Rate
1.14%
Median Effective Massachusetts Tax Rate
1.15%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Chelmsford, Middlesex County, Massachusetts
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 01824 | 1.39% | 1.39% | 1.39% | 1.39% | 1.39% |
Source: Ownwell
Property Tax Assessment Values Across Chelmsford, Middlesex County, Massachusetts
When examining property taxes in Chelmsford, Massachusetts, 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 Middlesex County assessment office 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 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 are sent in the spring each year and typically reach property owners by the middle of the season. Each notice includes both the market value and assessed value, along with an estimate of your property tax bill.
For example, the median home price in Chelmsford is $595,100, and the median tax bill is $8,272, compared with the national median property tax bill of $2,400. In 01824, the median home price and median tax bill are both the highest and lowest in the city at $595,100 and $8,272.
Property Tax Assessment Values Across Chelmsford, Middlesex County, Massachusetts
Source: Ownwell
$378,900
$1,063,575
$1,748,250
Median Chelmsford Market Value
$595,100
Median Middlesex County Market Value
$710,700
Median Massachusetts Market Value
$561,600
Median United States Market Value
$235,294
Property Tax Assessment Values Across Chelmsford, Middlesex County, Massachusetts
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 01824 | $407,370 | $506,300 | $595,100 | $702,775 | $834,180 |
Source: Ownwell
Property Tax Bills Across Chelmsford, Middlesex County, Massachusetts
Property tax bills in Chelmsford are calculated by applying the local tax rate to a home’s assessed value, which is based on the property’s market value. Local officials determine that value, and the final bill reflects both the assessment and the tax rate set for the area. For homeowners, this means that a higher assessed value usually leads to a larger tax bill, even if the home has not been sold.
In Chelmsford, the median home price is $595,100, and the median property tax bill is $8,272 in ZIP code 01824. That is well above the national median property tax bill of $2,400, showing how much higher local costs can be. Bills also vary across homeowners, with the 25th percentile at $7,038, the 75th percentile at $9,768, and the 90th percentile at $11,593. This variation shows how property taxes can significantly affect household budgets in Middlesex County.
Property Tax Bills Across Chelmsford, Middlesex County, Massachusetts
Source: Ownwell
$4,708
$12,022
$19,336
Median Chelmsford Tax Bill
$8,272
Median Middlesex County Tax Bill
$7,377
Median Massachusetts Tax Bill
$6,068
Median United States Tax Bill
$2,400
Property Tax Bills Across Chelmsford, Middlesex County, Massachusetts
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 01824 | $5,662 | $7,038 | $8,272 | $9,768 | $11,593 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | February 1 |
Links | |
|---|---|
| Middlesex Tax Assessor | |
| Website | www.masslandrecords.com |