Montgomery County Property Tax

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With an average tax rate of 0.76%, Montgomery County, Maryland homeowners pay an average of $3,690 a year in property taxes
All property owners are responsible for paying property taxes. Precisely how much they have to pay depends on the state and country they live in as well as the value of their home. 
External elements such as market fluctuations can also have a profound effect on property tax rates. This means that the rate any particular homeowner is required to pay can change often. 
Estimating your annual property tax rates is an important part of any long-term financial planning, but this can be a headache. Luckily, insurance super-app Jerry has your back! We’ve compiled a comprehensive list of the key points that every Montgomery homeowner should know. 
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Property tax 101

If you’re a first-time homeowner, there are some fundamental concepts about property taxation that you should know. Here is a quick overview of the basics: 
  • Local governments assign and collect property taxes to fund public works and community services 
  • Property taxes typically apply to real property, such as homes, buildings, and land 
  • A local tax assessor will determine your property tax obligation based on the assessed value of your house, market values, and a local tax rate 
  • Property taxes fluctuate frequently due to changing market conditions and local budgets
Essentially, property taxes are a means by which your local government funds public projects for the welfare of the community. By collecting these taxes from property owners, the county ensures those long-term residents that have a vested interest in the region contribute to its upkeep and improvement. 

What is the property tax rate in Montgomery County?

Montgomery County’s average tax rate is 0.76% of assessed home values which is significantly lower than the Maryland state average of 0.87% and dramatically lower than the national average of 1.1%. Based on that 0.76% rate, Montgomery residents can expect to pay an average of $3,690 a year in property taxes. 

How Montgomery County property taxes are determined

How much each property owner in Montgomery County owes is calculated by multiplying the tax rate by the property's assessed value 
Each year the County Council evaluates the current budgets of all the local governments at the county, distinct, and city levels. They then determine that year’s tax rate, taking into account numerous market factors and the overall financial environment at the time. 
The assessed property value of your home is determined by your local tax assessor based on the house’s market value. If you feel that your home has been over-assessed and you are being charged too much, you can appeal your assessment to the Maryland State Department of Assessments and Taxation (SDAT)

What do Montgomery County property taxes pay for? 

Local taxes in Maryland are collected and then dispensed to county and city governments, K12 schools and community colleges, redevelopment agencies, and special districts. From there, the funds are used to pay for numerous public projects including (but not limited to):
  • Public museums and parks
  • Public transportation 
  • Road and highway construction/maintenance 
  • Public libraries
  • Local law enforcement agencies
  • Public health
  • Building safety
  • Public schools 
  • Sewer system upkeep and maintenance

How to pay property taxes in Montgomery County 

Montgomery County property taxes are paid semi-annually with payments due on September 30 and December 31st. If one of the payment due dates happens to fall on a state-recognized holiday or a weekend, you can submit payment on the following business day without penalty. 
The method by which you submit your property tax payment is up to you. You can pay online, by mail, in person, or over the phone. Here’s what you’ll need to know:
  • Online: Pay your taxes online via the County’s website at: You will be able to use a credit card, debit card, electronic check, or an electronic funds transfer (EFT) directly from your bank account.
  • By mail: Pay your taxes by mail using this address: Montgomery County, MD, P.O. Box 824845, Philadelphia, PA 19182-4845. Payments sent by mail should be in the form of a check made out to Montgomery County, Maryland. 
  • In person: Pay your taxes in person at the Division of Treasury, 27 Courthouse Square, Suite 200, Rockville, MD. You’ll be able to pay with cash, a check, or a credit/debit card.
  • Over the phone: Pay your taxes over the phone by calling 240-777-8898. You’ll need to pay with an electronic check to use this method. 

How to save money on home and auto insurance in Maryland

Paying your property taxes is unavoidable, but overpaying on homeowners insurance isn’t. There are a few things you can do to shave some dollars off of your monthly insurance premiums. 
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Montgomery County property taxes are paid semi-annually with payments due on September 30th and December 31st each year.
Your property tax statement will be mailed to you in July, which give you three months to prepare before the first payment is due.
Property taxes in Montgomery County average approximately $3,690 a year, which is well above the national average. The tax rate of 0.76%, however, is drastically lower than the national average of 1.1%

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