Maryland · County property tax · ACS 2024
St. Mary's County Property Taxes
The median homeowner in St. Mary's County pays $3,424 a year, an effective rate of 0.84%, far above the U.S. average.
- $3,424
- Median tax / yr · High bill
- 0.84%
- Effective rate · Above-median rate
- +72%
- vs U.S. average
- #20 of 24
- rank in MD
The verdict
Homeowners in St. Mary's County pay a median $3,424 a year in property tax, an effective rate of 0.84%, more affordable than 47% of U.S. counties (Census ACS 2024).
- $3,424
- Median annual tax bill, 2024
- 0.84%
- Effective rate on median home
- #1663 of 3135
- U.S. counties by tax burden
- +72%
- vs the national average bill
Effective rate is the median property tax bill divided by the median home value ($407,600). U.S. Census Bureau, ACS 5-Year Estimates · 2024.
Census Bureau ACS property tax data for Maryland. Population: 115,126. Owner-occupied homes: 31,049.
The median annual property tax in St. Mary's County is $3,424, which is 16% lower than the Maryland state average and 72% above the national average. The effective tax rate is 0.84% on a median home value of $407,600. Property taxes represent 2.9% of the median household income in this county.
Why St. Mary's County's ACS bill runs high vs the U.S.
Primary signal
The bill sits well above the national median
Homeowners in St. Mary's County pay a median annual property tax of $3,424, far above the national median and notably lower than the Maryland state median. On a $407,600 median home, that works out to an effective rate of 0.84% once the local assessment base and millage are combined.
Decision signal 2
High among Maryland counties by effective rate
St. Mary's County ranks #20 of 24 counties in Maryland by effective rate (17% of in-state counties pay a lower rate).
Decision signal 3
The effective rate sits near the national middle
St. Mary's County's 0.84% effective rate sits near the middle of 3,135 tracked counties (more affordable than 47%).
Decision signal 4
Income and the tax bill sit in the middle band
Property taxes in St. Mary's County run within the commonly cited 2%-4% national benchmark, at about 2.9% of the $119,446 median household income.
Informational notice
Figures describe the median homeowner household in St. Mary's 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 9.7% down between 2020 and 2024, a smaller shift than in 61% of U.S. counties. With the median home value rose 28.0%, the median bill rose 15.6% to $3,424: 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 $2,962 to $3,424, a gain of 16%. 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: 18,049 of 31,049 owner-occupied homes (58.1%) 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 2.9% 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 St. Mary's County Homeowners Actually Pay
The single largest group of St. Mary's County homeowners, 18,049 of 31,049 owner-occupied homes (58.1%), pays $3,000 or more a year. The median is one point in this spread, not a typical bill.
- Less than $800 2.7% (823)
- $800 to $1,499 4.4% (1,373)
- $1,500 to $1,999 6.7% (2,077)
- $2,000 to $2,999 23.2% (7,218)
- $3,000 or more 58.1% (18,049)
Census ACS 2024, table B25102. Bands and the no-tax share sum to 100%.
1,509 homes here (4.9%) 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 St. Mary's County pay about the same bill, a 1% gap.
St. Mary's County's bill vs state & U.S. medians
Median annual bill bars around St. Mary's County's HEAVY ACS 2024 figure.
St. Mary's County's median bill is 16% below the Maryland median and 72% above the U.S. median.
St. Mary's County vs Benchmarks
| Metric | St. Mary's County | Maryland Avg | U.S. Avg |
|---|---|---|---|
| Median Annual Tax High bill | |||
| Effective Tax Rate Above-median rate | |||
| Median Home Value | |||
| Tax as % of income Above-median income burden | 2.9% | - | - |
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 St. Mary's County's $3,424 median bill appeal-worthy?
At St. Mary's County's $3,424 ACS median (HEAVY), a 10% assessment cut is worth about $342/yr before exemptions. Appeal Savings Estimator · appeal guide for Maryland.
St. Mary's County bill trail · HEAVY
| Year | Median Tax (vs prior release) | Effective Rate |
|---|---|---|
| 2024 | $3,424 +0.9% | 0.84% |
| 2023 | $3,392 +1.1% | 0.87% |
| 2022 | $3,355 +9.0% | 0.89% |
| 2021 | $3,078 +3.9% | 0.94% |
| 2020 | $2,962 | 0.93% |
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.
St. Mary's County: tax-to-income at 2.9%
Counties near St. Mary's County's median bill
On effective rate, St. Mary's County sits nearest Lee County (KY), Daviess County (KY), Richmond County (GA).
On published median-tax change, the nearest matches are Franklin County (VT), Edwards County (IL), Shelby County (TX).
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
St. Mary's County: only 17% of returns show Schedule A real-estate tax
Tax year 2022: 9,160 of 55,440 returns from St. Mary's County reported real estate taxes, averaging $4,122 - 44% 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
St. Mary's County bill FAQs
- How does St. Mary's County property tax compare to the national average?
- Property taxes in St. Mary's County run far above the national median of $1,993, an effective rate of 0.84% versus 0.92% nationally.
- What is the average property tax in St. Mary's County, Maryland?
- The median annual property tax in St. Mary's County is $3,424, an effective rate of 0.84% on a $407,600 median home (Census ACS, 2024).
- Are property taxes increasing in St. Mary's County?
- The ACS median property-tax bill for St. Mary's County climbed 15.6% between the 2020 and 2024 5-year releases, from $2,962 to $3,424, 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 St. Mary's County?
- Property taxes in St. Mary's County run within the commonly cited 2%-4% national benchmark, at about 2.9% of the $119,446 median household income.
- What is the tax affordability score for St. Mary's County?
- St. Mary's County, Maryland scores D (42/100) 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 A (+$39). 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.
What to do with St. Mary's County's HEAVY bill
St. Mary's County's $3,424 median bill sits well above the U.S. median - size a personal estimate before treating the county headline as your budget. Estimate your bill →
St. Mary's County ranks #20 of 24 Maryland counties by effective rate - on the lower-burden half of the state ACS set. Maryland overview →
Nationwide peers by median bill (then rate)
Bill-first peers for St. Mary's 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: 0.84%.
Similar median bill
Nearest out-of-state counties by ACS median annual tax. This county: $3,424/yr. Rate peers are excluded so the two link sets stay distinct.
Read with St. Mary's County
Nearest ABS(median_tax) ACS peers for St. Mary's County (UNDER · HEAVY), replacing the old fixed Keep exploring strip.
UNDER HEAVY
Leavenworth County, KS
ABS(median_tax) peer · tied with St. Mary's County at $3,424/yr; rate 1.21% vs St. Mary's County 0.84%.
Rock Island County, IL
ABS(median_tax) peer · $3,425/yr (near-tied bill ABS $1); rate 2.28% vs St. Mary's County 0.84%.
Yamhill County, OR
ABS(median_tax) peer · $3,425/yr (near-tied bill ABS $1); rate 0.73% vs St. Mary's County 0.84%.
Dodge County, WI
ABS(median_tax) peer · $3,422/yr (near-tied bill ABS $2); rate 1.48% vs St. Mary's County 0.84%.
Maryland county set
State ACS overview for every published Maryland county rate and median bill.
Assessment cycle basics
St. Mary's County stamps UNDER · 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 St. Mary's County (UNDER · HEAVY) - ACS medians, not a parcel bill.