Property Taxes in Upper Gwynedd, Pennsylvania
Median Upper Gwynedd, Pennsylvania effective property tax rate: 3.67%, significantly higher than the national median of 1.02%, and higher than the Pennsylvania state median of 2.75%.
Median Upper Gwynedd, Pennsylvania home value: $186,300
Median annual Upper Gwynedd, Pennsylvania tax bill: $6,835, $4,435 higher than the national median property tax bill of $2,400.
How are property taxes in Montgomery calculated?
Property taxes in Upper Gwynedd, 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 Upper Gwynedd's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Upper Gwynedd, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Upper Gwynedd Property Tax Calculator Work?
Use this Upper Gwynedd property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Upper Gwynedd's median effective tax rate of 3.67% — based on actual property records in Montgomery County — to generate your estimate.
Enter your property's estimated assessed value — the figure used to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Upper Gwynedd'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 Upper Gwynedd: rates range from 3.67% in 19446 to 3.67% in 19446, 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 Upper Gwynedd.
About Upper Gwynedd Property Taxes
About Property Taxes in Upper Gwynedd, Montgomery, Pennsylvania
Upper Gwynedd's median effective property tax rate of 3.67% 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 Upper Gwynedd. Homeowners in the 19446 ZIP code carry a median effective rate of 3.67%, while those in the same ZIP code also pay 3.67%. This spread reflects how school district boundaries and local assessment districts are drawn across Montgomery County. Understanding which part of Upper Gwynedd you live in can make a meaningful difference to your annual tax bill.
Upper Gwynedd homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before August 1, 2026.
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 Upper Gwynedd, 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 Upper Gwynedd's effective property tax rate to other cities in Pennsylvania and the median property tax rates in Pennsylvania and the U.S.
Property Tax Rates Across Upper Gwynedd, Montgomery County, Pennsylvania
Source: Ownwell
1.63%
4.15%
6.68%
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 Upper Gwynedd Tax Rate
3.67%
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 Upper Gwynedd, Montgomery County, Pennsylvania
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 19446 | 3.67% | 3.67% | 3.67% | 3.67% | 3.67% |
Source: Ownwell
Property Tax Assessment Values Across Upper Gwynedd, Montgomery County, Pennsylvania
When examining property taxes in Upper Gwynedd, 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 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. 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 Upper Gwynedd.
For example, the median home price in Upper Gwynedd is $186,300, with tax bills ranging significantly across the county. 19446 has the highest median home price at $186,300.
Property Tax Assessment Values Across Upper Gwynedd, Montgomery County, Pennsylvania
Source: Ownwell
$67,095
$340,923
$614,750
Median Upper Gwynedd Market Value
$186,300
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 Upper Gwynedd, Montgomery County, Pennsylvania
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 19446 | $142,240 | $151,200 | $186,300 | $240,700 | $264,030 |
Source: Ownwell
Property Tax Bills Across Upper Gwynedd, Montgomery County, Pennsylvania
Property tax bills in Upper Gwynedd are calculated by multiplying a home’s assessed value by the local tax rate. The assessed value is based on the property’s market value, and local taxing authorities use that figure to determine how much a homeowner owes each year. In Montgomery County, the median home price is $186,300, and property tax bills can vary widely depending on the assessment and the tax rate applied.
For many homeowners, the bill is a major part of housing costs. The 25th percentile tax bill is $5,547, while the 75th percentile is $8,831 and the 90th percentile reaches $9,687. The median tax bill in ZIP code 19446 is $6,835, which shows how much taxes can differ even within the same area. Compared with the national median property tax bill of $2,400, homeowners in Upper Gwynedd generally face much higher annual property taxes.
Property Tax Bills Across Upper Gwynedd, Montgomery County, Pennsylvania
Source: Ownwell
$2,589
$11,874
$21,159
Median Upper Gwynedd Tax Bill
$6,835
Median Montgomery County Tax Bill
$5,995
Median Pennsylvania Tax Bill
$3,050
Median United States Tax Bill
$3,209
Property Tax Bills Across Upper Gwynedd, Montgomery County, Pennsylvania
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 19446 | $5,218 | $5,547 | $6,835 | $8,831 | $9,687 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | August 1 |
Links | |
|---|---|
| Montgomery Tax Assessor | |
| Website | propertyrecords.montcopa.org |