Property tax on a $450,000 home in Frederick County, MD
Official source data 2024
On a $450,000 home in Frederick County
$4,440
estimated annual property tax
ACS 2020-2024 ratio of medians. This estimate does not use your parcel’s assessment or district tax rates.
Make it your number.
Your actual bill depends on your local assessment, exemptions, and taxing districts.
A home value. A yearly budget.
These scenarios use the same 0.99% effective rate. They do not predict an individual tax assessment.
| Home value | Annual estimate | Monthly budget |
|---|---|---|
| $100,000 | $987 | $82 |
| $150,000 | $1,480 | $123 |
| $200,000 | $1,973 | $164 |
| $250,000 | $2,467 | $206 |
| $300,000 | $2,960 | $247 |
| $350,000 | $3,453 | $288 |
| $400,000 | $3,947 | $329 |
| $450,000 | $4,440 | $370 |
| $500,000 | $4,933 | $411 |
| $600,000 | $5,920 | $493 |
| $750,000 | $7,400 | $617 |
| $1,000,000 | $9,867 | $822 |
| $1,250,000 | $12,333 | $1,028 |
| $1,500,000 | $14,800 | $1,233 |
| $1,750,000 | $17,266 | $1,439 |
| $2,000,000 | $19,733 | $1,644 |
The county context.
Rank runs from highest to lowest among counties with usable ACS medians. County medians may describe different households and cannot replace parcel-level figures.
Neighboring counties
| County | Effective rate | Same-value estimate | Median tax paid |
|---|---|---|---|
| Montgomery County, MD | 0.87% | $3,893 | $5,539 |
| Loudoun County, VA | 0.85% | $3,827 | $6,325 |
| Howard County, MD | 1.17% | $5,259 | $6,987 |
| Carroll County, MD | 0.91% | $4,079 | $3,934 |
Up to four adjacent counties with usable ACS medians, ordered by population. The 2026 Census adjacency file includes point contacts and boundaries in water.
What can change your bill?
The ACS effective rate is a ratio of medians, not a statutory rate. Local assessed values, levies, classification, caps and exemptions determine the actual bill.
Exemptions & assessment
No uniform flat exemption is applied. Enter your assessor-provided assessment ratio and qualifying exemption for a separate statutory scenario.
Payment dates & appeals
Eligible principal residences may use September 30 and December 31 semiannual payments. Other charges on the same bill may be due with the first installment; confirm the county payment arrangement.
Return the assessment appeal within 45 days of the assessment-notice date. Subsequent Property Tax Assessment Appeal Board and Tax Court proceedings have their own deadlines.
Check Maryland’s official property-tax guidance
Use an assessed value, exemption, and local millage
This separate scenario needs your assessor’s inputs. An exemption applies only to eligible levies; do not apply it to the county’s historical effective rate.
Good questions. Clear answers.
How much is property tax on a $450,000 home in Frederick County?
The historical effective-rate estimate is $4,440 per year, or $370 a month. It multiplies $450,000 by 0.99%.
Is the effective rate the rate on my tax bill?
No. It is median real-estate taxes paid divided by median home value in the ACS 2020-2024 survey. Your taxing districts, assessed value, classification and exemptions determine your bill.
Can I subtract a homestead exemption from this estimate?
Use the separate statutory scenario with a qualifying levy. Subtracting an exemption from an ACS effective-rate estimate can double-count relief already reflected in taxes paid.
Does a higher purchase price change my assessment?
Assessment rules and reassessment dates vary by state and locality. Contact the linked official property-tax office before relying on a historical county ratio.
How do I appeal a property-tax assessment?
Read the deadline and procedure on your assessment notice, then use the official state guidance above to locate your assessor or review board. County survey data does not establish your appeal deadline.
Check the source.
Data as of 2024. Retrieved .
- www2.census.gov / Geos20245YR.txt
- www.census.gov / notes-on-acs-estimate-and-annotation-values.html
- www2.census.gov / acsdt5y2024-b01003.dat
- www2.census.gov / acsdt5y2024-b25077.dat
- www2.census.gov / acsdt5y2024-b25103.dat
- www2.census.gov / acsdt5y2024-b25064.dat
- www2.census.gov / acsdt5y2024-b19013.dat
- www2.census.gov / county_adjacency2026.txt As of 2026
- www.census.gov / county-adjacency.html As of 2026
- dat.maryland.gov / default.aspx As of 2026-10-02
- dat.maryland.gov / question-and-answers-on-semiannual-property-tax-payment.aspx As of 2026-10-02
- assessmentappeals.dat.maryland.gov / start.aspx As of 2026-10-02