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Updated 2025 Tax Year

Harford County
Property Tax Guide

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

8 Official Sources
8 min read
Quick Facts
Tax Rate
Base county rate $1.014 per $100 assessed value, varies by district with additional municipal and special district taxes
1st Due
Jul 1
2nd Due
Jul 1
Exemptions
5+ Available
Section 1

How Property Tax Works

Harford County, Maryland operates on a property tax system that serves as the primary funding source for essential county services including schools, public safety, infrastructure, and local government operations. Property owners in Harford County pay taxes based on the assessed value of their real property, with bills typically mailed out on July 1st each year covering the fiscal year from July 1 to June 30.

The effective property tax rate in Harford County varies by location within the county due to special taxing districts and municipal boundaries. While the base county rate applies to all properties, additional assessments may apply depending on your property's location, including special district taxes for fire protection, library services, or municipal services. Property owners should be aware that various tax credits are available to qualifying residents, though these require separate applications and are not automatically applied to tax bills.

Property taxes in Harford County are administered by the county's Finance and Budget Office, with assessments conducted by the Maryland State Department of Assessments and Taxation. The county follows Maryland state guidelines for property valuation and tax collection procedures.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100)Description
County General Fund$1.010Basic county services and operations
Board of Education$0.000Public school funding (included in general rate)
Special DistrictsVariesFire protection, library, municipal services
State Rate$0.112Maryland state property tax
Total Base Rate$1.122Standard rate before special districts

Rates shown are for FY 2024-2025. Actual rates may vary by location within Harford County due to special taxing districts including fire districts, library districts, and incorporated municipalities. Properties in Aberdeen, Bel Air, Havre de Grace, and other municipalities may have additional municipal taxes. Contact the Finance and Budget Office at 410-638-3450 for specific rates applicable to your property location.

Section 3

When Are Property Taxes Due?

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

First Installment
Jul 1
Delinquent after Dec 10
Second Installment
Jul 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 taxes in Harford County are additional property tax assessments that occur when there are changes to property ownership, improvements, or new construction that affect the assessed value during the current tax year. These supplemental bills are issued to account for tax liability changes that occur after the annual tax roll has been completed.

Common triggers for supplemental taxes include: change of ownership that removes existing tax credits, completion of new construction or major renovations, subdivision of property, or correction of assessment errors. The supplemental tax is calculated based on the difference between the old and new assessed values, prorated for the remaining months in the fiscal year.

For example, if a property's assessed value increases from $400,000 to $500,000 due to completed renovations in January, and the total tax rate is $1.122 per $100, the supplemental tax would be calculated as: ($100,000 ÷ 100) × $1.122 × (6 months ÷ 12 months) = $561 for the remaining six months of the fiscal year.

Example Calculation

Property Value: $300,000

  • Assessed Value: $300,000
  • Homestead Credit Applied: -$0 (if no application filed)
  • Net Taxable Value: $300,000
  • Annual Tax: $3,366 (at $1.122 per $100)
  • Monthly Escrow: $281

Property Value: $600,000

  • Assessed Value: $600,000
  • Homestead Credit Applied: -$0 (caps future increases if applied)
  • Net Taxable Value: $600,000
  • Annual Tax: $6,732 (at $1.122 per $100)
  • Monthly Escrow: $561

Property Value: $1,000,000

  • Assessed Value: $1,000,000
  • Senior Citizen Credit: -$2,000 (if qualified and applied)
  • Net Taxable Value: $1,000,000
  • Annual Tax: $11,220 (at $1.122 per $100)
  • Less Credit Applied: -$2,000
  • Net Annual Tax: $9,220
  • Monthly Escrow: $768

Note: Tax credits require separate applications and are not automatically applied. Examples use base rate and do not include potential special district taxes.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Harford County require borrowers to maintain an escrow account for property tax payments, especially for loans with less than 20% down payment. Lenders collect monthly escrow payments along with principal and interest, then pay property taxes directly to Harford County when bills become due on September 30th.

Lenders typically conduct annual escrow analyses to ensure adequate funds are collected throughout the year. If property taxes increase due to reassessment or rate changes, monthly escrow payments may be adjusted accordingly. Property owners should review their annual escrow statements and can request documentation showing how their escrow payments are calculated.

Homeowners who pay taxes directly (without escrow) must ensure payment reaches Harford County by the September 30th deadline to avoid penalties. Online payments, mail payments, and in-person payments are accepted, with electronic payments processed immediately and mailed payments requiring adequate delivery time.

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 Harford County for FY 2024-2025? A: Property tax bills are mailed July 1st with payment due by September 30th. A 6% penalty is assessed on the county portion starting October 1st.

Q: What tax credits are available and how do I apply? A: Harford County offers various tax credits including Homestead Credit, Senior Citizen Credit, and Disabled Veteran Credit. All credits require separate applications and are not automatically applied. Contact 410-638-3450 for applications and eligibility requirements.

Q: How does the Homestead Credit work? A: The Homestead Credit limits annual assessment increases to 10% for owner-occupied residential properties. It does not reduce your current assessed value but caps future increases. You must file an application to receive this protection.

Q: How often are properties reassessed? A: Maryland conducts property reassessments every three years on a rotating basis. Harford County properties are typically reassessed as part of the state's triennial cycle.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Maryland Property Tax Assessment Appeals Board within 45 days of receiving your assessment notice. Contact the State Department of Assessments and Taxation for appeal forms and procedures.

Q: What happens if I pay my taxes late? A: A 6% penalty is added to the county portion starting October 1st. Properties with delinquent taxes may be advertised for tax sale, which occurs annually on the third Monday in June.

Q: Can I pay my property taxes online? A: Yes, Harford County offers online payment options through their official website. Electronic payments are processed immediately, while other payment methods may require processing time.

Q: Do special district taxes apply to my property? A: Depending on your location, additional taxes may apply for fire districts, library services, or municipal services. Contact 410-638-3450 to determine which special districts apply to your specific property address.

Q: What documentation do I need for tax credit applications? A: Requirements vary by credit type but typically include proof of ownership, occupancy, age verification (for senior credits), or disability documentation (for veteran/disability credits). Contact the county for specific documentation requirements.

Q: When is the deadline to apply for tax credits? A: Most tax credit applications must be filed by September 1st to be effective for the current tax year. Contact Harford County at 410-638-3450 for specific deadlines and application procedures.

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