Property Taxes in Frederick
Frederick property taxes carry a real, disclosed local premium over Maryland's own statewide picture: the city's own effective rate ran approximately 1.45% (per Ownwell) -- genuinely ABOVE Frederick County's own 1.23% median and Maryland's statewide median of approximately 1.21% -- with real, disclosed variation even within the city itself.
Exploring the idea of moving?
We can connect you with a local real estate professional who knows the area -- no pressure, just a starting point.
Learn moreFrederick City's Rate Genuinely Diverges Above Frederick County's Own Median
Per Ownwell's analysis of Frederick property records, Frederick city's own median effective property tax rate ran approximately 1.45% -- genuinely above Frederick County's own broader median of approximately 1.23%, above Maryland's statewide median of approximately 1.21%, and meaningfully above the national median of approximately 1.02% -- a real, honest, load-bearing divergence this record does not bury.
Real, Disclosed Variation Even Within Frederick City Itself, by ZIP Code
Frederick's own rate varied meaningfully by ZIP code: approximately 1.62% in 21701 versus approximately 1.16% in 21703 -- a real, disclosed spread nearly as wide as the gap between the city and county averages, driven mainly by differing assessment districts and school-related levies.
The Official Rate Structure: State, County, and City Layers
Per the official 2025-2026 rate schedule, Frederick's combined property tax rate layers a $0.112-per-$100 state rate, a $1.110-per-$100 county rate, and a $1.0079-per-$100 Frederick city differential -- three real, distinct layers this record breaks out rather than presenting as one opaque combined figure.
Confirm the Actual Current Rate and Bill Directly for a Specific Property
Given this real, disclosed spread (1.16%-1.62% depending on ZIP code, or a citywide median of 1.45% vs. a countywide median of 1.23%), confirm the actual current assessed value, tax rate, and resulting bill directly with the Frederick County Office of the Treasurer for a specific target property.
Maryland's Broader Property Tax Context
As detailed on the taxes topic page, Frederick's local income tax structure is also a real, distinct exception within Maryland -- Frederick County adopted a graduated local income tax schedule beginning tax year 2023 rather than the flat piggyback rate most Maryland counties use, a separate but related local-tax genuine complexity.
Key takeaways
- Frederick city's own effective property tax rate ran approximately 1.45% (per Ownwell) -- genuinely ABOVE Frederick County's own 1.23% median and Maryland's own 1.21% statewide median.
- Rates varied meaningfully within the city itself: approximately 1.62% in ZIP 21701 versus approximately 1.16% in ZIP 21703.
- The official combined rate layers a $0.112 state rate, a $1.110 county rate, and a $1.0079 city differential (all per $100 assessed value).
- Confirm the actual current rate and bill directly with the Frederick County Office of the Treasurer for a specific property.
- Frederick County's own local income tax is separately, distinctly graduated rather than a flat piggyback rate -- a related but separate local-tax complexity.
Want to know what your budget actually buys here?
Tell us a bit about what you're looking for and we'll connect you with someone local who can walk you through real numbers.
Get local guidanceRead the full Frederick overview for the complete picture -- housing, taxes, climate, and who this place genuinely fits.
Planning a move?
Tell us what you're looking for and we'll connect you with a local expert who can help you make it happen.
Talk to a local expert