Lowell, Middlesex County, Massachusetts Property Taxes
Property Taxes in Lowell, Massachusetts
Median Lowell, Massachusetts effective property tax rate: 1.15%, slightly higher than the national median of 1.02%, and equal to the Massachusetts state median of 1.15%.
Median Lowell, Massachusetts home value: $452,500
Median annual Lowell, Massachusetts tax bill: $5,191, $2,791 higher than the national median property tax bill of $2,400.
How are property taxes in Middlesex calculated?
Property taxes in Lowell, 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 Lowell's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Lowell, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Lowell, Middlesex County, Massachusetts Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.15%
Estimate Property Tax Bill
$5,204
$4,829
How Does the Lowell Property Tax Calculator Work?
Use this Lowell property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Lowell's median effective tax rate of 1.15% — based on actual property records in Middlesex 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 Lowell'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 Lowell: rates range from $4,708 in 01850 to $5,509 in 01851, 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 Lowell.
About Lowell Property Taxes
About Property Taxes in Lowell, Middlesex, Massachusetts
Lowell’s median effective property tax rate of 1.15% 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 Lowell. Homeowners in the 01850 ZIP code carry a median effective rate of 1.15%, while those in 01854 pay 1.15%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Middlesex County. Understanding which part of Lowell you live in can make a meaningful difference to your annual tax bill.
Lowell homeowners who believe their assessed value is too high can file a formal appeal with the 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 Lowell, 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 Lowell'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 Lowell Tax Rate
1.15%
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 Lowell, Middlesex County, Massachusetts
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 01850 | 1.15% | 1.15% | 1.15% | 1.15% | 1.15% |
| 01851 | 1.15% | 1.15% | 1.15% | 1.15% | 1.15% |
| 01852 | 1.15% | 1.15% | 1.15% | 1.15% | 1.15% |
| 01854 | 1.15% | 1.15% | 1.15% | 1.15% | 1.15% |
Source: Ownwell
Property Tax Assessment Values Across Lowell, Middlesex County, Massachusetts
When examining property taxes in Lowell, 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 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 Middlesex County are sent in the spring each year and typically reach your mailbox by the middle of the season. 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.
For example, the median home price in Lowell is $452,500, with tax bills ranging significantly across the county. Zip code 01851 has the highest median home price at $480,300.
Property Tax Assessment Values Across Lowell, Middlesex County, Massachusetts
Source: Ownwell
$378,900
$1,063,575
$1,748,250
Median Lowell Market Value
$452,500
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 Lowell, Middlesex County, Massachusetts
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 01850 | $259,820 | $332,075 | $410,200 | $503,600 | $618,490 |
| 01851 | $320,100 | $413,300 | $480,300 | $576,050 | $688,180 |
| 01852 | $256,300 | $345,050 | $452,200 | $554,000 | $665,600 |
| 01854 | $234,800 | $335,150 | $444,200 | $542,700 | $634,600 |
Source: Ownwell
Property Tax Bills Across Lowell, Middlesex County, Massachusetts
Property tax bills in Lowell are based on the assessed value of a home and the local tax rate set by the city and county. When a property is valued, that assessment is multiplied by the tax rate to determine the annual bill, so homes with higher market values usually face larger taxes. For Lowell homeowners, this means the tax bill can vary widely depending on where a home is located and how it is assessed.
The median home price in Lowell is $452,500, and property tax bills are often substantial compared with the national median property tax bill of $2,400. In the area, the 25th percentile tax bill is $4,059, while the 75th percentile reaches $6,312. At the high end, the 90th percentile tax bill is $7,542. Even within the city, median tax bills differ by ZIP code, from $4,708 in 01850 to $5,509 in 01851.
Property Tax Bills Across Lowell, Middlesex County, Massachusetts
Source: Ownwell
$4,708
$12,022
$19,336
Median Lowell Tax Bill
$5,191
Median Middlesex County Tax Bill
$7,377
Median Massachusetts Tax Bill
$6,068
Median United States Tax Bill
$2,400
Property Tax Bills Across Lowell, Middlesex County, Massachusetts
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 01850 | $2,974 | $3,808 | $4,708 | $5,778 | $7,100 |
| 01851 | $3,655 | $4,739 | $5,509 | $6,608 | $7,889 |
| 01852 | $2,924 | $3,951 | $5,183 | $6,356 | $7,641 |
| 01854 | $2,682 | $3,806 | $5,093 | $6,224 | $7,282 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | February 1 |
Links | |
|---|---|
| Middlesex Tax Assessor | |
| Website | www.masslandrecords.com |