Maryland · County property tax · ACS 2024
Charles County Property Taxes
The median homeowner in Charles County pays $4,339 a year, an effective rate of 1.01%, far above the U.S. average.
- $4,339
- Median tax / yr · Highest-decile bill
- 1.01%
- Effective rate · Above-median rate
- +118%
- vs U.S. average
- #6 of 24
- rank in MD
The verdict
Homeowners in Charles County pay a median $4,339 a year in property tax, an effective rate of 1.01%, more affordable than 34% of U.S. counties (Census ACS 2024).
- $4,339
- Median annual tax bill, 2024
- 1.01%
- Effective rate on median home
- #2058 of 3135
- U.S. counties by tax burden
- +118%
- vs the national average bill
Effective rate is the median property tax bill divided by the median home value ($428,500). U.S. Census Bureau, ACS 5-Year Estimates · 2024.
Census Bureau ACS property tax data for Maryland. Population: 170,527. Owner-occupied homes: 49,958.
The median annual property tax in Charles County is $4,339, which is 6% higher than the Maryland state average and 118% above the national average. The effective tax rate is 1.01% on a median home value of $428,500. Property taxes represent 3.5% of the median household income in this county.
Why Charles County's ACS bill runs high vs the U.S.
Primary signal
The bill sits well above the national median
Homeowners in Charles County pay a median annual property tax of $4,339, far above the national median and modestly above the Maryland state median. On a $428,500 median home, that works out to an effective rate of 1.01% once the local assessment base and millage are combined.
Decision signal 2
Low among Maryland counties by effective rate
Charles County ranks #6 of 24 counties in Maryland by effective rate (75% of in-state counties pay a lower rate).
Decision signal 3
The effective rate sits near the national middle
Charles County's 1.01% effective rate sits near the middle of 3,135 tracked counties (more affordable than 34%).
Decision signal 4
Income and the tax bill sit in the middle band
Property taxes in Charles County run within the commonly cited 2%-4% national benchmark, at about 3.5% of the $122,816 median household income.
Informational notice
Figures describe the median homeowner household in Charles County as reported to the Census Bureau; your parcel can differ. Not tax, legal, or financial advice: check the county assessor or a qualified professional before decisions that depend on these numbers.
Most of the market's rise reached the bill
The effective rate here moved 10.2% down between 2020 and 2024, a smaller shift than in 59% of U.S. counties. With the median home value rose 31.1%, the median bill rose 17.7% to $4,339: the rate did comparatively little to offset the market.
Effective rate is the published median bill divided by the published median home value, so the two multiply back to the bill exactly; the rate's movement here is derived from those two figures rather than read from the rounded published rate. Both are ACS 5-year survey estimates for the median owner-occupied household, compared across non-overlapping releases. They describe what the Census published, not a local policy, assessment, or exemption change.
How to read this county's bill
Bills rose across 2020-2024, from $3,687 to $4,339, a gain of 18%. This is a comparison of published ACS medians, not an explanation of a particular property's assessment or tax bill.
The heaviest band is also the fullest one here: 36,223 of 49,958 owner-occupied homes (72.5%) report annual real-estate taxes above $3,000. That band has no upper edge in the source, so the county median understates the burden carried by the plurality rather than describing it.
Earnings are in the national top quarter and the rate is above the midpoint, so the median bill represents 3.5% of median household income. A headline bill conflates the dollar figure with the proportion; the two come apart here, and the ratio above is the second of them.
The share above is the median annual bill divided by median household income, a ratio of two county-level medians rather than a household-by-household figure.
What Charles County Homeowners Actually Pay
The single largest group of Charles County homeowners, 36,223 of 49,958 owner-occupied homes (72.5%), pays $3,000 or more a year. The median is one point in this spread, not a typical bill.
- Less than $800 3.1% (1,564)
- $800 to $1,499 3.9% (1,925)
- $1,500 to $1,999 3.3% (1,642)
- $2,000 to $2,999 12.7% (6,323)
- $3,000 or more 72.5% (36,223)
Census ACS 2024, table B25102. Bands and the no-tax share sum to 100%.
2,281 homes here (4.6%) report no real estate tax at all. Exemptions are set by state: how Maryland handles assessments and appeals.
With vs Without Mortgage
Mortgaged and non-mortgaged homeowners in Charles County pay about the same bill, a 8% gap.
Charles County's bill vs state & U.S. medians
Median annual bill bars around Charles County's HEAVY ACS 2024 figure.
Charles County's median bill is 6% above the Maryland median and 118% above the U.S. median.
Close to the Maryland median on both measures
Rate and bill both land within 10% of the Maryland medians here, which makes Charles County a reasonable stand-in for the state when comparing against counties elsewhere. It also means the county-level figure adds little beyond the state figure for this particular comparison; the $4,339 median bill and the state median tell substantially the same story.
Charles County vs Benchmarks
| Metric | Charles County | Maryland Avg | U.S. Avg |
|---|---|---|---|
| Median Annual Tax Highest-decile bill | |||
| Effective Tax Rate Above-median rate | |||
| Median Home Value | |||
| Tax as % of income Heavy income burden | 3.5% | - | - |
Source: U.S. Census Bureau, ACS 5-Year Estimates. Tax-burden differences across rows reflect millage decisions, assessment-ratio practices, and the residential-vs-commercial mix of each tax base.
Is Charles County's $4,339 median bill appeal-worthy?
At Charles County's $4,339 ACS median (HEAVY), a 10% assessment cut is worth about $434/yr before exemptions. Appeal Savings Estimator · appeal guide for Maryland.
Charles County bill trail · HEAVY
| Year | Median Tax (vs prior release) | Effective Rate |
|---|---|---|
| 2024 | $4,339 +3.8% | 1.01% |
| 2023 | $4,179 +2.7% | 1.04% |
| 2022 | $4,071 +6.8% | 1.06% |
| 2021 | $3,811 +3.4% | 1.12% |
| 2020 | $3,687 | 1.13% |
Each row is a separate ACS 5-year release, and consecutive releases share four of their five survey years. The percentage beside each bill is therefore movement in the published estimate against the previous release, not a single year's tax change. The two releases largely describe the same households. For change over time, compare releases that do not overlap.
Charles County: tax-to-income at 3.5%
Counties near Charles County's median bill
On effective rate, Charles County sits nearest Campbell County (KY), Menominee County (MI), Montcalm County (MI).
On published median-tax change, the nearest matches are Wabaunsee County (KS), Hale County (AL), Osage County (KS).
How peers are chosen
These are the nearest cross-state matches in the published Census data, not neighboring counties or recommendations. Peers are rebuilt with each data release; see the calculation method.
Similar effective rates
Similar published median-tax changes, 2020–2024
Charles County: only 25% of returns show Schedule A real-estate tax
Tax year 2022: 21,590 of 87,760 returns from Charles County reported real estate taxes, averaging $5,337 - 45% of those reporters sat in the $100-200k AGI band.
What this IRS county file does not say
Amounts are reported before the SALT cap, not deducted; the share is of filers, not homeowners. Source: IRS SOI county data, tax year 2022.
Other Counties in Maryland
Charles County bill FAQs
- How does Charles County property tax compare to the national average?
- Property taxes in Charles County run far above the national median of $1,993, an effective rate of 1.01% versus 0.92% nationally.
- What is the average property tax in Charles County, Maryland?
- The median annual property tax in Charles County is $4,339, an effective rate of 1.01% on a $428,500 median home (Census ACS, 2024).
- What is the tax affordability score for Charles County?
- Charles County, Maryland scores F (27/100) on PlainPropertyTax's tax affordability composite across 5 Census ACS dimensions (effective rate, bill size, income share, mortgage gap, and home-value/income). Its strongest scored dimension here is mortgage premium at D (+$332). The score compares published county medians to U.S. percentiles, it is not a personal bill and not advice to buy, sell, appeal, or relocate.
- Are property taxes increasing in Charles County?
- The ACS median property-tax bill for Charles County climbed 17.7% between the 2020 and 2024 5-year releases, from $3,687 to $4,339, a 4-year span. These are survey estimates covering five years each, so this compares the two releases furthest apart rather than consecutive ones, which overlap and would mostly measure the same households twice.
- What percentage of income goes to property taxes in Charles County?
- Property taxes in Charles County run within the commonly cited 2%-4% national benchmark, at about 3.5% of the $122,816 median household income.
What to do with Charles County's HEAVY bill
Charles County's $4,339 median bill sits well above the U.S. median - size a personal estimate before treating the county headline as your budget. Estimate your bill →
Charles County ranks #6 of 24 Maryland counties by effective rate - on the higher-burden half of the state ACS set. Maryland overview →
Nationwide peers by median bill (then rate)
Bill-first peers for Charles County's HEAVY median, then a disjoint out-of-state rate set, not the same-state geography lattice.
Similar effective rate
Nearest out-of-state counties by ACS effective rate. This county: 1.01%.
Similar median bill
Nearest out-of-state counties by ACS median annual tax. This county: $4,339/yr. Rate peers are excluded so the two link sets stay distinct.
Read with Charles County
Nearest ABS(median_tax) ACS peers for Charles County (PAR · HEAVY), replacing the old fixed Keep exploring strip.
PAR HEAVY
Guadalupe County, TX
ABS(median_tax) peer · $4,343/yr (near-tied bill ABS $4); rate 1.43% vs Charles County 1.01%.
Franklin County, VT
ABS(median_tax) peer · $4,332/yr (near-tied bill ABS $7); rate 1.41% vs Charles County 1.01%.
Riverside County, CA
ABS(median_tax) peer · $4,348/yr (near-tied bill ABS $9); rate 0.78% vs Charles County 1.01%.
Champaign County, IL
ABS(median_tax) peer · $4,353/yr (near-tied bill ABS $14); rate 2.06% vs Charles County 1.01%.
Maryland county set
State ACS overview for every published Maryland county rate and median bill.
Assessment cycle basics
Charles County stamps PAR · HEAVY - how assessed value and millage become the ACS median bill.
Data vintage and method
Data as of 2024. Source: U.S. Census Bureau, American Community Survey 5-Year Estimates.
Property tax data reflects median amounts paid by homeowners. Effective rates are calculated as median tax divided by median home value.
Source: U.S. Census Bureau American Community Survey 5-Year Estimates, county median real-estate taxes · 2024 Charles County (PAR · HEAVY) - ACS medians, not a parcel bill.