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Updated 2025 Tax Year

Calvert County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
$0.967 per $100 of assessed value (0.967%) for fiscal year 2025, may vary by special taxing districts
1st Due
Jul 1
2nd Due
Dec 31
Exemptions
4+ Available
Section 1

How Property Tax Works

Calvert County, Maryland operates under a property tax system that serves as the primary funding mechanism for essential county services including public schools, emergency services, parks and recreation, and infrastructure maintenance. Property owners in Calvert County pay taxes based on the assessed value of their real and personal property, with the current tax rate set at $0.967 per $100 of assessed value for fiscal year 2025.

The effective tax rate for property owners typically ranges from 0.9% to 1.1% of market value, depending on the specific location within the county and any applicable special taxing districts. Property taxes in Calvert County are administered by the County Treasurer's Office, which handles billing, collections, and payment processing. It's important to note that actual tax rates may vary by location within the county due to special taxing districts, and most tax credits and exemptions require formal application and are not automatically applied to your tax bill.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100)DescriptionFiscal Year
County Real Property Tax$0.967Base county tax rate for all real propertyFY 2025
Personal Property Tax$0.967Tax rate for vehicles and business personal propertyFY 2025

Note: The rates shown are for fiscal year 2025 (July 1, 2024 - June 30, 2025). Additional special district assessments may apply depending on your property's location within Calvert County. Contact the County Treasurer's Office for specific special district rates that may affect your property.

Section 3

When Are Property Taxes Due?

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

First Installment
Jul 1
Delinquent after Dec 10
Second Installment
Dec 31
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 taxes in Calvert County are triggered by specific events that change the ownership or value of property during the tax year. The most common triggers include change of ownership (property sales or transfers), new construction completion, additions or improvements to existing structures, and removal or destruction of improvements. When these events occur, the county assessor recalculates the property's assessed value.

The supplemental tax is calculated as the difference between the new assessed value and the previous assessed value, multiplied by the current tax rate, and prorated for the remaining months in the fiscal year. For example, if a property sells in January and the new assessment increases the value by $50,000, the supplemental tax would be ($50,000 ÷ 100) × $0.967 × (6 months remaining ÷ 12 months) = $241.75. Supplemental tax bills are mailed throughout the year as assessments are completed.

Example Calculation

Example 1: $300,000 Property

  • Assessed Value: $300,000
  • Homestead Credit Applied: 10% assessment increase cap (varies by individual circumstances)
  • Net Taxable Value: $300,000
  • Annual Tax: ($300,000 ÷ 100) × $0.967 = $2,901
  • Monthly Payment: $241.75

Example 2: $600,000 Property

  • Assessed Value: $600,000
  • Homestead Credit Applied: May limit assessment increases (application required)
  • Net Taxable Value: $600,000
  • Annual Tax: ($600,000 ÷ 100) × $0.967 = $5,802
  • Monthly Payment: $483.50

Example 3: $1,000,000 Property

  • Assessed Value: $1,000,000
  • Homestead Credit Applied: Assessment increase limitations may apply if qualified
  • Net Taxable Value: $1,000,000
  • Annual Tax: ($1,000,000 ÷ 100) × $0.967 = $9,670
  • Monthly Payment: $805.83

Note: All tax credits require separate application and approval. Credits are not automatically applied.

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Section 5

Escrow & Property Taxes

Most mortgage lenders require property owners to maintain an escrow account for property tax payments, collecting monthly payments as part of your mortgage payment and remitting taxes directly to Calvert County on your behalf. Lenders typically collect 1/12 of your annual property tax bill each month, plus a buffer amount to ensure sufficient funds are available when taxes are due.

Property taxes in Calvert County are due in two installments: the first installment is due by July 1st, and the second installment is due by October 1st. If you have an escrow account, your lender will make these payments directly to the County Treasurer's Office. You can verify that your lender has made timely payments by checking your account online through the county's payment system. Property owners should review their annual escrow analysis statement to ensure adequate funds are being collected, as changes in assessed value or tax rates may require escrow payment adjustments.

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 Calvert County for fiscal year 2025? A: Real estate taxes are due in two installments: first installment by July 1, 2024, and second installment by October 1, 2024. Personal property tax bills are mailed throughout the tax year depending on when returns are filed.

Q: What tax credits are available and do they require application? A: Calvert County offers various property tax credits including the Homeowners' Property Tax Credit and credits for seniors, veterans, and disabled individuals. All tax credits require formal application and are NOT automatically applied to your tax bill. Contact the County Treasurer's Office for specific application forms and deadlines.

Q: How does the Homestead Credit work? A: The Homestead Credit limits the annual increase in your property's assessed value for tax purposes, not the actual market value. This credit requires filing an application and must be renewed periodically. It does not reduce your property's market value but caps how much the taxable assessment can increase each year.

Q: How often are properties reassessed in Calvert County? A: Maryland conducts property assessments on a regular cycle. Contact the State Department of Assessments and Taxation (SDAT) for current assessment schedules and appeal procedures if you disagree with your property's assessed value.

Q: What are the penalties for late tax payments? A: Late payments incur penalties and interest charges. Properties with delinquent taxes may be subject to tax liens and eventual tax sale. Contact the County Treasurer's Office for specific penalty rates and payment arrangements.

Q: Can I pay my property taxes online? A: Yes, Calvert County accepts online payments through ACI Payments, Inc. Note that a 3.57% convenience fee is charged for credit card payments. The county also accepts partial payments as long as your property is not currently in tax sale proceedings.

Q: Do special taxing districts affect my tax rate? A: Yes, depending on your property's location within Calvert County, you may be subject to additional special district taxes beyond the base county rate of $0.967 per $100. Contact the County Treasurer's Office to determine if your property is located within any special taxing districts.

Q: What triggers a supplemental tax bill? A: Supplemental taxes are issued when there's a change in ownership, completion of new construction, property improvements, or other events that change your property's assessed value during the tax year. These bills are prorated for the remaining months in the fiscal year.

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