Property Taxes in Frederick, Pennsylvania
Median Frederick, Pennsylvania effective property tax rate: 3.76%, significantly higher than the national median of 1.02%, and higher than the Pennsylvania state median of 2.75%.
Median Frederick, Pennsylvania home value: $124,430
Median annual Frederick, Pennsylvania tax bill: $4,578, $2,178 higher than the national median property tax bill of $2,400.
How are property taxes in Montgomery calculated?
Property taxes in Frederick, Pennsylvania 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 Frederick's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Frederick, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Frederick Property Tax Calculator Work?
Use this Frederick property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Frederick's median effective tax rate of 3.76% — based on actual property records in Montgomery 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 Frederick'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 Frederick: rates range from 3.76% in 19435 to 3.76% in 19435, 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 Frederick.
About Frederick Property Taxes
About Property Taxes in Frederick, Montgomery, Pennsylvania
Frederick’s median effective property tax rate of 3.76% is higher than the Pennsylvania state median of 2.75% and higher than the national median of 1.02%. This rate reflects the Montgomery 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 Frederick. Homeowners in the 19435 ZIP code carry a median effective rate of 3.76%, while those in the same ZIP also pay 3.76%. Understanding how assessed value and local taxing districts affect your bill can make a meaningful difference to your annual property taxes.
Frederick homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before the August 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 Frederick, Montgomery County, Pennsylvania
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 Frederick's effective property tax rate to other cities in Pennsylvania and the median property tax rates in Pennsylvania 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 Frederick Tax Rate
3.76%
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 Montgomery County Tax Rate
4.18%
Median Effective Pennsylvania Tax Rate
2.75%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Frederick, Montgomery County, Pennsylvania
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 19435 | 2.05% | 3.76% | 3.76% | 3.76% | 3.76% |
Source: Ownwell
Property Tax Assessment Values Across Frederick, Montgomery County, Pennsylvania
When examining property taxes in Frederick, Pennsylvania, 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 Montgomery 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 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 Montgomery County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month.
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 Frederick.
For example, the median home price in Frederick is $124,430, with tax bills ranging significantly across the county. 19435 has the highest median home price at $124,430.
Property Tax Assessment Values Across Frederick, Montgomery County, Pennsylvania
Source: Ownwell
$67,095
$340,923
$614,750
Median Frederick Market Value
$124,430
Median Montgomery County Market Value
$143,130
Median Pennsylvania Market Value
$118,310
Median United States Market Value
$274,101
Property Tax Assessment Values Across Frederick, Montgomery County, Pennsylvania
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 19435 | $100,893 | $108,718 | $124,430 | $170,598 | $274,005 |
Source: Ownwell
Property Tax Bills Across Frederick, Montgomery County, Pennsylvania
Property tax bills in Frederick are based on the assessed value of a home, not its market price alone. Local taxing authorities apply their tax rates to that assessed value to determine the annual bill, which means two homes with similar market values can still owe different amounts depending on how they are assessed.
Several factors affect the final property tax bill, including the home’s assessed value, local tax rates, and any exemptions or appeals that may lower the amount owed. In Montgomery County, the median home price is $124,430, while the median property tax bill is $4,578 in ZIP code 19435. That figure is well above the national median property tax bill of $2,400 and reflects a heavier tax burden than many homeowners see nationwide.
For homeowners, this can make property taxes a major part of annual housing costs. Understanding how the bill is calculated is important because an inaccurate assessment can lead to paying more than necessary.
Property Tax Bills Across Frederick, Montgomery County, Pennsylvania
Source: Ownwell
$2,589
$11,874
$21,159
Median Frederick Tax Bill
$4,578
Median Montgomery County Tax Bill
$5,995
Median Pennsylvania Tax Bill
$3,050
Median United States Tax Bill
$3,209
Property Tax Bills Across Frederick, Montgomery County, Pennsylvania
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 19435 | $3,353 | $3,909 | $4,578 | $5,292 | $8,811 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | August 1 |
Links | |
|---|---|
| Montgomery Tax Assessor | |
| Website | propertyrecords.montcopa.org |