
If you’re looking to save on property taxes near Baltimore, you might be interested in exploring the counties surrounding the city. Queen Anne’s County boasts the lowest property tax rate in the area. Discover how the counties of Harford, Anne Arundel, Howard, Carroll, and Baltimore—along with Baltimore City—compare when it comes to property taxes. The differences in tax rates might surprise you and could influence your decision on where to live if you’re moving to Baltimore or the surrounding area.
5 Counties with the Lowest Property Taxes Near Baltimore
- Queen Anne’s County has the lowest property tax rate near Baltimore at 0.8300.
- Harford County follows with a property tax rate of 0.9779.
- Anne Arundel County offers a low property tax rate of 0.9800.
- Howard County has a property tax rate of 1.0140.
- Carroll County rounds out the list with a property tax rate of 1.0180.
How Do Property Taxes Work in Maryland?
To determine property taxes in Maryland, assessors find the assessed value of real property every three years, reflecting factors like property size, location, condition, and comparable sales. The Maryland Department of Assessments and Taxation (DAT) is responsible for establishing the assessed value of all real property, aiming to mirror the fair market value.
Local jurisdictions, including counties and municipalities, set their own tax rates, typically denoted in dollars per $100 of assessed value. These rates can vary significantly from one area to another.
The actual property tax amount is calculated by multiplying the assessed property value by the applicable tax rates and adding the total. For example, the property tax calculation for a home in Brewers Hill, Baltimore, assessed at $300,000 may look like this:
- Maryland: 0.112% x $300,000 = $336
- City of Baltimore: 2.248% x 300,000 = $6,744
- Total tax due: $7,080
This seemingly straightforward formula determines the annual property tax due on a particular property, ensuring that both state and local funding needs are met while considering property market dynamics.
However, the city of Baltimore has a homestead tax credit designed to protect homeowners from sharp increases in assessment value, so there might be a big difference in how much you paid for your home versus how much it was assessed for. The property used for this example, which was on the market for $300,000, was actually assessed at $122,667, resulting in a total tax bill of just $2,894.94.
If you’re interested in a home for sale in Baltimore, you can find out what it pays in property taxes through the City of Baltimore real property tax calculator.
Queen Anne’s County: 0.8300

In Queen Anne’s County, Maryland, property taxes are calculated at a rate of 0.8300, offering residents a favorable tax environment compared to neighboring areas.
Living in Queen Anne’s County provides a unique blend of small-town charm, rural landscapes, and proximity to major metropolitan areas. The Eastern Shore lifestyle features waterfront living and a strong sense of community. Notable towns, including Stevensville, Chester, Grasonville, Centreville, and Queenstown, offer various amenities ranging from waterfront villages and historic downtowns to premium outlets and outdoor recreation opportunities.
Stevensville and Chester, located on Kent Island, are known for their vibrant arts scene and international businesses. Grasonville embodies the Maryland lifestyle with a focus on local watermen and family-owned seafood restaurants. Centreville, the county seat, boasts a beautiful historic downtown and waterfront park. Queenstown, with its Queenstown Premium Outlets, attracts many visitors.
Northern Queen Anne’s County includes rural towns like Barclay, Church Hill, Millington, Sudlersville, and Templeville, known for their farms and manufacturing operations.
Harford County: 0.9779
Harford County, between Baltimore and the Chesapeake Bay, provides easy access to major cities like Baltimore, Washington D.C., and Philadelphia. Notable towns within the county include Bel Air, known for its historic downtown and dining options; Abingdon, with its shopping and dining growth; Havre de Grace, offering a charming waterfront atmosphere; and Fallston, highly rated as a residential area.
Outdoor enthusiasts can enjoy hiking in Jerusalem Mill and Rocks State Park. The county also boasts a variety of dining options, from Italian to seafood, and ample shopping opportunities in Bel Air and Abingdon.
With the area’s diverse offerings and convenient location, Harford County’s 0.9779 property tax rate presents an attractive option for homeowners seeking a balance between affordability and amenities.
Anne Arundel County: 0.9800
Anne Arundel County, with a property tax rate of 0.9800, offers residents a high quality of life with its coastal charm and diverse recreational opportunities. Known for its 533 miles of coastline, the county provides abundant water-related activities such as boating, fishing, and sailing.
Notable areas like Annapolis, Severna Park, and Edgewater offer historic charm and family-friendly atmospheres. Recreational options include Sandy Point State Park, various other parks, and the Baltimore and Annapolis Trail for outdoor enthusiasts.
With a strong economy supported by major employers like Northrop Grumman and Lockheed Martin, the county also boasts a variety of housing options, from historic homes to modern developments. Anne Arundel County’s higher cost of living is balanced by many educational opportunities and a well-established healthcare system, catering to diverse preferences from urban centers to rural areas. Several cities in Anne Arundel County are among the most expensive Baltimore suburbs, but having a significantly lower tax rate than Baltimore can ease the living costs.
Howard County: 1.0140

Catering to a high standard of living, Howard County offers abundant amenities to its residents. With a property tax rate of 1.0140, Howard County balances providing quality services and maintaining affordability. This rate reflects the county’s commitment to maintaining its infrastructure, schools, and public services.
While Howard County’s property tax rate is higher compared to some neighboring counties, it’s important to consider the value it brings in terms of services and community offerings. The county’s strategic location between Baltimore and Washington D.C. makes it an attractive choice for those looking suburban living and urban accessibility.
Whether you’re exploring the planned community of Columbia, the historic charm of Ellicott City, or the unique blend of old and new in Savage, Howard County offers some of the best suburbs of Baltimore. Despite the slightly higher property tax rate, the benefits of living in this vibrant community make it a worthwhile investment.
Carroll County: 1.0180
With a property tax rate of 1.0180, Carroll County offers a rural atmosphere with scenic countryside and strong community ties. The county boasts a tranquil setting with farmland, providing residents with a peaceful environment away from the hustle and bustle of urban life.
The sense of community is palpable, with close-knit neighborhoods and a deep-rooted connection among its residents. Carroll County is also known for its public schools, making it an attractive option for households looking for various educational opportunities.
Notable towns within Carroll County include Westminster, the county seat and largest town; Eldersburg, with its mix of modern amenities; Sykesville, known for its historic charm; and Mount Airy, offering scenic views and wineries.
Carroll County presents a unique opportunity to embrace a rural lifestyle while being within a reasonable commute to Baltimore and Washington, D.C.
Baltimore County: 1.1000
Ranked among the counties with relatively low property taxes near Baltimore, Baltimore County has a property tax rate of 1.1000. This rate positions towns in Baltimore County favorably for homeowners looking to manage their property tax expenses.
The county offers a diverse mix of urban, suburban, and rural areas, providing residents with a range of living environments to choose from. With a strong public transportation system and proximity to major cities like Baltimore and Washington D.C., Baltimore County presents an attractive option for those seeking accessibility and convenience.
Notable towns within the county, such as Towson, Catonsville, Dundalk, Pikesville, and Essex, each contribute to the area’s vibrant tapestry with unique characteristics and amenities. Home to Towson University and the University of Maryland, Baltimore County (UMBC), Baltimore County also offers educational opportunities alongside its varied housing options.
Choosing Baltimore County as your home could provide both a comfortable living space and a relatively low property tax burden.
Baltimore City: 2.2480

Baltimore City is counted as a separate area from Baltimore County for the purpose of property taxes. The city imposes a property tax rate of 2.2480. This means that for every $100 of assessed property value, you’d owe $2.2480 in property taxes.
Compared to neighboring areas in Baltimore County, the property tax rate in Baltimore itself is higher. However, homes in Baltimore can trend more affordable than those in the area, which can help offset the higher tax rate. When considering purchasing a property in Baltimore, it’s crucial to factor in the property tax rate to understand your overall homeownership costs.
Keep in mind that property tax rates can fluctuate based on changes in local government budgets and policies, so stay informed about any potential changes in property tax rates and how they may affect your financial planning.
Understanding Maryland Property Taxes
When considering property taxes in the Baltimore area, it’s clear that there is significant variation across counties, with Queen Anne’s County offering the most affordable rates. By exploring the differences in property tax rates, homebuyers can make informed decisions that align with their financial goals, ensuring they choose a location near Baltimore that offers the best value for their investment.
Frequently Asked Questions
Do property tax rates change every year in Maryland?
Yes, property tax rates in Maryland can change annually. Counties and municipalities have the authority to adjust tax rates based on budget needs and other factors, affecting the amount you pay on your property.
Are property tax rates the same for all types of properties?
Property tax rates vary depending on the location, such as between counties or special taxing districts. However, the rates are the same for all properties within a given taxing jurisdiction—a single-family home isn’t taxed at a different rate than a condo, for example. Information about a condo’s property taxes may be found in the Resale Package required by the Maryland Condominum Act.
On the other hand, your tax bill may differ from your neighbor’s in the same jurisdiction based on a variety of factors, such as your home’s assessed value (affected by things such as the home’s size and age) and any tax credits or exemptions you or they qualify for.
Do property tax rates vary within a county in Maryland?
Yes, property tax rates can vary within a county in Maryland. Different areas within a county may have different tax rates based on local government decisions. It’s essential to check specific rates for the exact location.
Can homeowners appeal their property tax assessments in Maryland?
Yes, you can appeal your property tax assessment in Maryland. Homeowners can challenge their property’s assessed value if they believe it’s inaccurate. Contact your local assessment office for information on the appeals process.