What is the property tax rate in Anne Arundel County?

The combined effective property tax rate in Anne Arundel County, Maryland is approximately 0.85%.

Anne Arundel County Property Tax Calculator (2026)

Property Tax in Anne Arundel County, 2026

A calculator and field guide for Annapolis-area homeowners — and for anyone considering a move to Anne Arundel County — including Maryland's combined state + county property tax structure, the Homestead Tax Credit's county-set caps on annual taxable assessment growth (Anne Arundel 2%, Talbot 0%, most counties 5%, max 10%), the income-tested Homeowners' Property Tax Credit, and the constitutional 100% disabled veterans full exemption (Tax-Property §7-208).

Anne Arundel County, home to Annapolis and 595k Marylanders, operates under Maryland's combined state + county property tax system. Tax = Assessed Value × combined rate per $100 of AV. Assessments are conducted by the Maryland State Department of Assessments and Taxation (SDAT) every three years (Group 1, 2, or 3 cycles), with assessment increases phased in over 3 years. Maryland's 24 jurisdictions (23 counties + Baltimore City) each set their own county/city tax rate.

How the bill is built

Maryland property tax involves layered steps. Step 1: Full Cash Value. SDAT determines full cash value (= fair market value) every 3 years on a triennial cycle. Step 2: Phased-in Assessment. Increases in assessment are phased in evenly over 3 years (decreases applied immediately). Step 3: Apply state + county/city tax rates. State rate is $0.112/$100 statewide; county/city rates vary widely from ~$0.62 (Talbot) to ~$1.97 (Baltimore City). Anne Arundel's combined rate is approximately $0.85/$100 of phased-in AV. Step 4: Apply Homestead Tax Credit cap. Annual taxable assessment growth is capped at the county-set rate (2% in Anne Arundel — the second-most-protective in MD). Owner-occupants must file a one-time application with SDAT to establish eligibility.

Maryland's Homestead Tax Credit requires a one-time application — it's not automatic. Homeowners who fail to file with SDAT lose the cap-on-assessment-growth protection. Anne Arundel's 2% cap means long-term primary residences typically have AV well below current full cash value. Check your status at the SDAT Real Property database.

Maryland 100% disabled veterans receive a FULL exemption (Tax-Property §7-208). Veterans declared by the VA to have a 100% service-connected permanent and total disability — or 100% individually unemployable — receive a complete exemption from real property taxes on their dwelling and curtilage. Surviving spouses retain the exemption (unmarried). Surviving spouses of US service members killed in line of duty also fully exempt. This is among the most-comprehensive disabled-veteran exemptions in the United States. Counties separately offer partial credits for 50%-99% disabled veterans (varies by county adoption — e.g., Anne Arundel offers 50% of county tax for 75%+ disability with income below $100K).

The Homeowners' Property Tax Credit caps tax as percent of income. Separate from the Homestead Tax Credit, Maryland's income-tested Homeowners' Property Tax Credit limits property tax to a sliding-scale percentage of household income. For 2026, applications are due by April 15 with income limits set at ~$60K for individuals or couples (some credit can extend higher). The program provided $63.9 million in credits statewide in fiscal year 2025. Many Maryland counties (including Baltimore City and Howard) provide a local supplement on top of the state credit.

2026 Anne Arundel County rate breakdown (combined state + county rate per $100 of phased-in AV, Annapolis district)

Taxing entity	Rate
Combined state + county tax rate (~$0.85 / $100 of phased-in AV)	0.8500
Combined total	0.8500

As of April 26, 2026 · From Maryland State Department of Assessments and Taxation - Anne Arundel.

Note: Anne Arundel County **is home to Annapolis, the capital of Maryland** (since 1694) and the United States Naval Academy (founded 1845, ~4,500 midshipmen). Anne Arundel is one of Maryland's most-distinctive counties — substantial Chesapeake Bay waterfront (over 530 miles of shoreline, more than any other US county outside Florida), the BWI Airport (Maryland's primary airport), and Fort Meade (the headquarters of the National Security Agency, US Cyber Command, and the Defense Information Systems Agency). The county is one of the most-affluent in Maryland with a strong defense/intelligence employment base.

Note: Anne Arundel County effective property tax rates run approximately 0.85% — among the lower in Maryland. Combined tax rate is approximately $0.85/$100 of phased-in AV (split into ~$0.11 state + ~$0.74 county). Most-distinctively, Anne Arundel sets a Homestead Tax Credit cap of **only 2%** — the lowest in Maryland (only Talbot at 0% is lower) — providing extraordinary protection for long-term primary-residence owners from rapid bill increases during 2024-2026 reassessment surges. Median home values around $445K combined with the low rate produce median annual bills around $3,783.

Note: For relocation buyers: Anne Arundel is the **lifestyle Maryland** option — Annapolis offers historic colonial-era architecture, Chesapeake Bay sailing/boating culture, and the Naval Academy presence. Severna Park and Crofton have top-rated public schools. Glen Burnie and Pasadena offer more-affordable suburban living. The county's 2% Homestead cap is genuinely valuable — primary residences purchased before 2020 typically have AV substantially below current RMV. The trade-off vs. Montgomery County: less direct DC access (Annapolis to DC is ~45 min via Route 50/I-595), smaller commercial economy.

Deductions and exemptions for 2026

Maryland homeowner property tax relief is concentrated in four mechanisms: (1) the Homestead Tax Credit (county-set caps on annual taxable assessment growth), (2) the Homeowners' Property Tax Credit (income-tested, caps tax as percent of income), (3) county senior tax credits (typically ~20% of county tax for age 65+ with limited income), and (4) the constitutional 100% Disabled Veterans Real Property Tax Exemption (Tax-Property §7-208 — full exemption).

Homestead Tax Credit (county-set caps)

Maryland's Homestead Tax Credit caps annual taxable assessment growth on owner-occupied principal residences. State law caps the state portion at 10%; counties set their own (typically lower) caps for the county portion: Anne Arundel 2% (one of the most-protective in MD), Talbot 0% (the most-protective — AV essentially frozen), Prince George's / St. Mary's / Garrett 3%, Allegany / Baltimore City / Baltimore County / Cecil 4%, most others 5%, Charles 7%, Montgomery / Calvert / Somerset 10% (the state max). One-time application required (file with SDAT) — homeowners who fail to apply lose the protection. Check status at the SDAT Real Property database.

Homeowners' Property Tax Credit (income-tested)

The Homeowners' Property Tax Credit limits property tax to a sliding-scale percentage of household income. For 2026, applications are due by April 15 with income limits set at ~$60,000 for individuals or couples (some credit can extend higher). Up to ~$1,000+ in annual credits for income-qualified homeowners. The program provided $63.9 million in credits statewide in fiscal year 2025. Many Maryland counties (including Baltimore City and Howard) provide a local supplement on top of the state credit.

100% Disabled Veterans Exemption (Tax-Property §7-208)

Maryland provides a full real property tax exemption for veterans declared by the VA to have a 100% service-connected permanent and total disability OR 100% individually unemployable. The exemption applies to the dwelling and curtilage (lot and structures necessary to use the property as residence). Surviving spouses retain (unmarried). Surviving spouses of US service members killed in line of duty are also fully exempt. Apply with the local SDAT office with DD-214 + VA rating decision. Refunds available retroactive to VA rating effective date (up to 3 years). Counties separately offer partial credits for 50%-99% disabled veterans (varies by county adoption — e.g., Anne Arundel offers 50% of county tax for 75%+ disability with income below $100K).

Appealing your assessment

Maryland property tax appeals follow a 3-tier process. Level 1: Local SDAT Office. File a written appeal within 45 days of the assessment notice (Maryland reassesses on a triennial cycle — Group 1, 2, or 3 — covering one-third of properties each year). Local SDAT supervisors review and may adjust the assessment. Level 2: Property Tax Assessment Appeals Board (PTAAB). If denied, appeal to the county PTAAB within 30 days. PTAAB holds quasi-judicial hearings — homeowners can present comparable sales, recent appraisals, or independent appraiser testimony. Level 3: Maryland Tax Court. PTAAB decisions can be appealed to the Maryland Tax Court (a state-level administrative tribunal); from there to Circuit Court. Most Maryland appeals are resolved at Level 1 or Level 2.

Cities and towns in Anne Arundel County

Anne Arundel County contains 6 incorporated municipalities, ranging from Annapolis to the smallest village. Search volume for property tax is often city-specific, so here is the complete list — with population from the 2020 US Census, rounded to the nearest 100.

Data: US Census Bureau, 2020 Decennial Census. Populations rounded. Cities marked as "split" straddle a county border — the portion inside Anne Arundel County is subject to Anne Arundel County's tax rolls, while the portion outside is subject to the adjacent county's.

City or town	Type	Population (2020)
Glen Burnie	Census-designated place	72,100
Severn	Census-designated place	58,000
Annapolis County seat	city	40,800
Severna Park	Census-designated place	39,200
Pasadena	Census-designated place	28,000
Crofton	Census-designated place	28,000

About city-level property tax rates: The rate breakdown and calculator on this page reflect the Annapolis tax district. Other cities in Anne Arundel County may pay into different school districts, city rates, and special districts — so their combined rates can differ, sometimes substantially. Always verify the specific rates for your address with the Maryland State Department of Assessments and Taxation - Anne Arundel before relying on any estimate.

Frequently asked questions

When are Maryland property taxes due?

Maryland's property tax year runs July 1 through June 30. Bills are typically mailed in July. Owner-occupied primary residences can pay in two installments: September 30 (first half) and December 31 (second half), or pay the full bill by September 30 to avoid the second installment. Investment properties and commercial owners typically pay full bill by September 30. Late payments accrue interest plus penalty (1% per month typical). Most Maryland homeowners pay through escrow via mortgage servicer.

Do I have to apply for the Homestead Tax Credit?

Yes — the Homestead Tax Credit requires a one-time application with the State Department of Assessments and Taxation (SDAT). After the 2007 reform, owners who fail to apply lose the cap-on-assessment-growth protection (which can mean significant additional tax in counties with low caps like Anne Arundel's 2% or Talbot's 0%). Check your status at the SDAT Real Property database (look up your property → scroll to "Homestead Application Status"). If it says "No application," file the application immediately. Once approved, the credit applies as long as the property remains your principal residence — no annual renewal required.

What's the difference between Baltimore City and Baltimore County?

Maryland has an unusual jurisdictional structure: Baltimore City is an independent jurisdiction, NOT part of any county. The City of Baltimore was incorporated in 1729, separated from Baltimore County in 1851, and operates as its own first-level political subdivision (similar to the 38 independent cities in Virginia). Baltimore County (with its seat in Towson) is a wraparound suburban county surrounding the City. The two have separate governments, separate school systems, separate police departments, and separate tax bases. Baltimore City's effective tax rate (~1.97%) is much higher than Baltimore County's (~1.13%) — reflecting the City's smaller residential base relative to its service obligations. Maryland's other 23 jurisdictions are all counties.

How do I qualify for the 100% Disabled Veterans full property tax exemption?

Maryland's full disabled-veterans exemption (Tax-Property §7-208) requires: (a) honorable discharge from US military service, AND (b) VA-determined 100% service-connected permanent and total disability OR 100% individually unemployable rating. Apply with the local SDAT office using the Application for Exemption for Disabled Veterans, attaching DD-214 and the VA rating decision (which must reference the 100% P&T or unemployable rating, the rating decision date, and the disability effective date). The exemption applies to the dwelling, lot, and curtilage (structures necessary to use the property as residence). Surviving spouses (unmarried) retain. Refunds available retroactive to the VA rating effective date (up to 3 years pursuant to §7-208(g)). Counties separately offer partial credits for 50%-99% disabled veterans — see your county's tax credit program.

How does Maryland's triennial assessment cycle work?

Maryland reassesses property on a triennial cycle — Group 1, Group 2, or Group 3, with each group covering approximately one-third of properties. SDAT mails reassessment notices by January 1 of the assessment year. Increases in assessment are phased in evenly over the next 3 years, while decreases are applied immediately for the new tax year. For example: if 2026 reassessment shows a $360,000 home (up from $300,000 in 2023), the $60,000 increase is split into $20,000/year over 3 years (FY27, FY28, FY29). The Homestead Tax Credit's annual cap applies to each phased-in increment. Anne Arundel County reassesses on a published group cycle — check the SDAT calendar for the next reassessment year.

How do I appeal my Maryland assessment?

Maryland property tax appeals follow a 3-tier process. Level 1: Local SDAT Office. File a written appeal within 45 days of the assessment notice. SDAT supervisors review and may adjust. Level 2: Property Tax Assessment Appeals Board (PTAAB). If denied, appeal to the county PTAAB within 30 days. PTAAB holds quasi-judicial hearings — present comparable sales, recent appraisals, or independent appraiser testimony. Level 3: Maryland Tax Court. PTAAB decisions can be appealed to the Maryland Tax Court (a state-level administrative tribunal); from there to Circuit Court. Most appeals are resolved at Level 1 or Level 2. Comparable sales evidence is the most-effective basis for appeal.

About Anne Arundel County

Beyond the property tax — a few things you might not know about the place.

Weird fact

The United States Naval Academy is **one of only five Federal Service Academies** (alongside West Point, Air Force Academy, Coast Guard Academy, and Merchant Marine Academy) and the only one located in Maryland. The Academy occupies a 338-acre campus in central Annapolis along the Severn River and Chesapeake Bay, with annual operating costs of approximately $400 million. Notable Naval Academy graduates include Senator John McCain, President Jimmy Carter (1946 graduate), Admiral Chester Nimitz, and astronaut Alan Shepard (the first American in space). The Academy's annual Army-Navy Game (held alternately in Philadelphia and other neutral sites) is one of the most-watched college football games in the United States.

Hometown hero

James Cagney

The American actor (1899-1986) — winner of the 1942 Academy Award for Best Actor for Yankee Doodle Dandy, and one of the most-celebrated Hollywood actors of the 1930s-40s — owned a substantial farm in Stanwood (Anne Arundel County) and spent significant time there during his later years. Cagney was famous for his gangster roles (The Public Enemy, Angels with Dirty Faces, White Heat) and is consistently ranked among the greatest American film actors of the studio era. Cagney's connection to the Chesapeake Bay area through his Anne Arundel farm influenced his later landscape painting.

Biggest annual event

Annapolis Sailboat Show + Army-Navy Game (alternating)

The Annapolis Sailboat Show (annual, mid-October at Annapolis City Dock, since 1970) is **the largest in-water sailboat show in the world** — drawing 50,000+ attendees over a 5-day run with 150+ in-water sailboats and 350+ exhibitors. The complementary Annapolis Powerboat Show (the following weekend) brings the Annapolis fall boat show season to its peak. The Army-Navy Game (held in Annapolis approximately every other year, alternating with West Point hosting in NY) is one of the most-watched college football games in the US — drawing 100,000+ in-person attendees.

Property Tax in Anne Arundel County, 2026