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Updated 2025 Tax Year

Washington County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
$0.9830 per $100 assessed value (base county rate), varies by municipality and special districts
1st Due
Jul 1
2nd Due
Dec 1
Exemptions
5+ Available
Section 1

How Property Tax Works

Washington County, Maryland operates on an annual property tax system that serves as the primary funding source for essential county services including public schools, public safety, infrastructure maintenance, and local government operations. Property taxes in Washington County are based on assessed values determined by the Maryland State Department of Assessments and Taxation, with annual reassessments reflecting current market conditions.

The effective property tax rate in Washington County varies by location within the county due to special taxing districts and municipal boundaries. For fiscal year 2025, the base county tax rate is $0.9830 per $100 of assessed value, though property owners may pay additional rates depending on their specific location and applicable special districts. These variations mean that two properties with identical assessed values may have different total tax obligations based on their geographic location within the county.

Property owners should note that Washington County follows Maryland's assessment practices with no statutory assessment cap, meaning property values can increase without limitation from year to year based on market conditions, though various tax credits may help limit the impact of assessment increases on actual tax bills.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100)Description
County General$0.9830Base county services, fiscal year 2025
Municipal RatesVariesAdditional rates for incorporated municipalities
Special DistrictsVariesFire districts, water/sewer districts where applicable
School BondsIncluded in baseDebt service for school construction projects

Note: The $0.9830 rate applies to fiscal year 2025 (July 1, 2024 - June 30, 2025). Property owners within incorporated municipalities such as Hagerstown, Boonsboro, or Williamsport may be subject to additional municipal property taxes. Special taxing districts for services like enhanced fire protection or water/sewer services may also apply additional rates to properties within their boundaries. Contact the Washington County Finance Department for specific rates applicable to your property location.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Washington 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 Washington County are triggered by changes in property ownership, new construction, or significant property improvements that occur after the annual assessment date but before the end of the tax year. When the Maryland State Department of Assessments and Taxation identifies these changes, they issue a supplemental assessment that results in additional tax liability for the current fiscal year.

The supplemental tax is calculated by taking the difference between the new assessed value and the original assessed value, then applying the applicable tax rate for the remaining months of the fiscal year. For example, if a property undergoes a $100,000 improvement in January and the tax rate is $0.9830 per $100, the supplemental tax would be approximately $490 ($100,000 ÷ 100 × $0.9830 ÷ 2) for the remaining six months of the fiscal year.

Supplemental tax bills are typically issued within 30-60 days of the assessment change and become due 30 days from the bill date. Property owners should budget for potential supplemental taxes when making significant property improvements or purchasing recently improved properties.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Less: Homestead Credit (varies by income): -$0
  • Net Taxable Value: $300,000
  • Annual Tax: $300,000 ÷ 100 × $0.9830 = $2,949
  • Monthly Escrow: $245.75

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Less: Homestead Credit (if eligible): -$0
  • Net Taxable Value: $600,000
  • Annual Tax: $600,000 ÷ 100 × $0.9830 = $5,898
  • Monthly Escrow: $491.50

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Less: Homestead Credit (if eligible): -$0
  • Net Taxable Value: $1,000,000
  • Annual Tax: $1,000,000 ÷ 100 × $0.9830 = $9,830
  • Monthly Escrow: $819.17

Note: Homestead and other tax credits require separate application and are based on income eligibility and other qualifying factors. Credits shown as $0 indicate that specific eligibility and application are required to determine actual benefit amounts.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Washington County require borrowers to maintain an escrow account for property tax payments, collecting monthly payments alongside principal and interest to ensure timely tax payment. Lenders typically collect 1/12th of the estimated annual property tax bill each month, plus an additional cushion of up to two months' payments as allowed by federal regulations.

Washington County property tax bills are due November 15th annually, with statements mailed by October 25th. For primary residences, property owners may elect semiannual payment schedules with due dates of September 30th and December 31st. Lenders monitor these due dates and typically pay from escrow accounts before the deadline to avoid penalties.

Property owners with escrow accounts should review their annual escrow analysis statements carefully, as assessment changes or tax rate adjustments may require escrow payment modifications. If property taxes increase significantly, lenders may require immediate escrow account adjustments or spread the shortage over 12 months while adjusting future monthly payments.

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 Washington County for fiscal year 2025? A: Annual property tax payments are due November 15, 2024. Primary residence owners may elect semiannual payments due September 30, 2024 and December 31, 2024.

Q: What tax credits are available and do they require application? A: Maryland offers several tax credits including the Homeowners' Property Tax Credit Program based on income eligibility, and the Homestead Credit which limits assessment increases. All credits require separate applications and are not automatically applied.

Q: How does the Homestead Credit work? A: The Homestead Credit limits the annual increase in assessed value used for tax calculation purposes on your principal residence. This credit caps assessment growth but does not reduce market value. You must apply annually and it only applies to your primary residence.

Q: How often are properties reassessed in Washington County? A: Maryland conducts annual reassessments. Property values are updated each year to reflect current market conditions, with assessment notices typically mailed in late spring for the following fiscal year.

Q: What happens if I pay my property taxes late? A: Late payments incur interest charges and penalties. Interest accrues monthly on unpaid balances, and significant delinquencies may result in tax sale proceedings.

Q: Can I pay property taxes online? A: Yes, Washington County provides online payment options through their official website. Credit card, debit card, and electronic check payments are typically accepted with processing fees.

Q: Why might my tax bill be different from my neighbor's on a similar property? A: Tax bills can vary due to different assessed values, eligibility for different tax credits, location within special taxing districts, or municipal boundaries that impose additional taxes.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with the Maryland Property Tax Assessment Appeals Board within specific deadlines after receiving your assessment notice. The appeal process includes multiple levels of review.

Q: Do special districts affect my tax rate? A: Yes, properties located within special fire districts, water/sewer districts, or municipal boundaries may be subject to additional tax rates beyond the base county rate of $0.9830 per $100.

Q: What documentation do I need for tax credit applications? A: Tax credit applications typically require proof of income (federal tax returns), proof of primary residence, and completed application forms. Specific requirements vary by credit type and must be submitted by designated deadlines.

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