HonestCasa logoHonestCasa
Updated 2025 Tax Year

Anne Arundel County
Property Tax Guide

Everything you need to know about property taxes in Anne Arundel County, MD. Rates, due dates, exemptions, and how it affects your monthly payment.

10 Official Sources
8 min read
Quick Facts
Tax Rate
Base rate $1.054 per $100 assessed value, varies by municipality and special districts
1st Due
Jul 1
2nd Due
Dec 1
Exemptions
4+ Available
Section 1

How Property Tax Works

Anne Arundel County's property tax system is designed to fund essential local services including public schools, police and fire protection, parks and recreation, and county infrastructure. Property taxes are calculated based on the assessed value of real estate and personal property, with assessments conducted annually by the Maryland State Department of Assessments and Taxation.

The county maintains relatively competitive property tax rates to attract both businesses and families to the area. However, actual tax rates vary significantly by location within Anne Arundel County due to special taxing districts, municipal taxes, and local improvement districts. Property owners should verify their specific tax rate based on their exact location, as rates can differ between incorporated municipalities and unincorporated areas of the county.

Property taxes in Anne Arundel County are collected twice annually, and while some tax credits are available to qualifying property owners, most require formal application and are not automatically applied to tax bills.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100)Description
County General$0.5870Base county services and operations
Municipal TaxesVariesAdditional taxes for incorporated cities/towns
Special DistrictsVariesFire districts, sanitary districts, lighting districts
School BondsIncludedDebt service for school construction projects

Levy Year: FY 2025-2026

Important Note: The base county rate of $0.5870 per $100 of assessed value applies to unincorporated areas. Property owners in incorporated municipalities such as Annapolis, Glen Burnie, or other towns may pay additional municipal taxes. Special taxing districts for services like fire protection, sanitation, or street lighting can add between $0.10 to $0.50 per $100 of assessed value depending on location and services provided.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Anne Arundel County, property taxes are due in two installments:

First Installment
Jul 1
Delinquent after Dec 10
Second Installment
Dec 1
Delinquent after Apr 10
Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental property taxes in Anne Arundel County are additional tax bills issued when there are changes in property ownership, completion of new construction, or significant improvements that increase a property's assessed value during the tax year. These taxes are calculated from the effective date of the change through the end of the current fiscal year.

Common Triggers:

  • Change in ownership or title transfer
  • Completion of new construction or major renovations
  • Removal of tax-exempt status
  • Correction of assessment errors that increase value

Calculation Example: If a property's assessed value increases by $50,000 due to completed renovations on January 1st, and the tax rate is $0.5870 per $100, the supplemental tax would be ($50,000 ÷ 100) × $0.5870 × 0.5 (half year remaining) = $146.75. The supplemental bill is typically issued 30-60 days after the assessment change and is due within 30 days of the bill date.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Homestead Credit Applied: Limits assessment increases to 10% annually (requires application)
  • Net Taxable Value: $300,000
  • Tax Rate: $0.5870 per $100
  • Annual Tax: $1,761.00
  • Monthly Escrow: $146.75

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Homestead Credit Applied: Limits assessment increases to 10% annually (requires application)
  • Homeowner's Tax Credit: -$1,000 (if qualified, requires application)
  • Net Tax: ($600,000 ÷ 100 × $0.5870) - $1,000 = $2,522.00
  • Monthly Escrow: $210.17

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Homestead Credit Applied: Limits assessment increases (requires application)
  • Net Taxable Value: $1,000,000
  • Tax Rate: $0.5870 per $100
  • Annual Tax: $5,870.00
  • Monthly Escrow: $489.17

Note: All tax credits require separate applications and are not automatically applied. Rates shown are base county rates and may be higher in areas with special district taxes.

See How Taxes Affect Your Payment

Property taxes are just part of your total monthly cost. Get the full picture.

Calculate Now
Section 5

Escrow & Property Taxes

Most mortgage lenders in Anne Arundel County require property tax escrow accounts for borrowers with less than 20% down payment. The lender collects monthly payments equal to 1/12 of the annual property tax bill plus a cushion (typically 2-3 months of payments) to ensure sufficient funds are available when taxes are due.

Payment Timeline: Anne Arundel County property taxes are due semi-annually, with installments typically due June 1st and December 1st each year. Lenders usually pay the tax bills directly to the county before the due dates to avoid penalties. Property owners should receive an annual escrow analysis from their lender showing the account balance, payments made, and any adjustments to monthly escrow amounts.

Verification: Property owners should review their tax bills annually to ensure their lender has current contact information and is paying the correct amounts. If assessment values change significantly, escrow payments may need adjustment to avoid shortfalls.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are property taxes due in Anne Arundel County for FY 2025-2026? A: Property taxes are due semi-annually, with the first installment due June 1, 2026, and the second installment due December 1, 2026.

Q: What tax credits are available and do I need to apply? A: Available tax credits include the Homestead Property Tax Credit (caps assessment increases), Homeowner's Tax Credit (up to $1,000 reduction), and credits for elderly, disabled, or veteran property owners. All credits require separate applications and are not automatically applied.

Q: How does the Homestead Tax Credit work? A: The Homestead Credit limits annual assessment increases to 10% for owner-occupied residential properties. It does not reduce your home's market value but caps how much your assessment can increase each year. You must file an application with the State Department of Assessments and Taxation.

Q: How often are properties reassessed? A: Maryland law requires annual assessments, but Anne Arundel County typically conducts physical inspections on a rotating cycle. Property values are updated annually based on market conditions and sales data.

Q: What are the penalties for late payment? A: Interest is charged at 1.25% per month (15% annually) on unpaid taxes beginning the day after the due date. Additional penalties and potential tax sale proceedings may apply for severely delinquent accounts.

Q: Can I pay property taxes online? A: Yes, Anne Arundel County offers online payment options through their official website. Payments can be made by electronic check or credit card, though credit card payments may incur processing fees.

Q: How do special district taxes work? A: Special districts provide services like fire protection, sanitation, or street lighting to specific areas. These taxes appear as separate line items on your tax bill and rates vary by district and services provided.

Q: When is the deadline to apply for tax credits? A: Most tax credit applications must be filed by December 31st of the tax year for which you're claiming the credit. Contact the Anne Arundel County Assessment Office for specific deadlines and application forms.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed within 45 days of receiving your assessment notice. Appeals are first filed with the Property Tax Assessment Appeal Board, with further appeals possible to the Maryland Tax Court.

Q: What happens if I don't receive my tax bill? A: Property owners are responsible for paying taxes even if they don't receive a bill. Contact the Anne Arundel County Treasury Office immediately if you haven't received your bill by the due date to avoid penalties and interest.

See the Full Picture of Your Home Costs

Property taxes are just one piece of homeownership. HonestCasa helps you understand your total monthly cost and explore safe ways to access your home equity.

Total Monthly Cost

Mortgage + taxes + insurance + HOA

Equity Growth

Track how your equity grows over time

Safe Equity Access

Options for projects or debt payoff

Free • No credit check • 2-minute estimate