Taxes in Ellicott City, Maryland
Complete tax guide for Ellicott City, MD. State income tax up to 5.75%, 1.09% property tax, 6.6% sales tax. Calculate your total tax burden.
State Income Tax
5.75%
Maryland
Property Tax
1.09%
Effective rate
Sales Tax
6.6%
Combined rate
Tax Burden
High
Ellicott City, MD Tax Overview
Population
73,272
Median Income
$79,300
Cost of Living
114.2 (100 = avg)
State Income Tax
5.75%
Local Income Tax
1.68%
Median Home Price
$429,000
Ellicott City Tax Calculator
Pre-filled with Ellicott City median: $79,300
Total Tax Burden in Ellicott City
$21,018
Take-Home: $58,282 · Effective Rate: 26.50%
Federal Tax
$9,060
11.42% eff.
MD State + Local
$5,892
7.43% eff.
FICA
$6,066
7.65% eff.
Take-Home
$58,282
73.50% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $79,300.00 | $6,608.33 |
| Federal Income Tax | -$9,060.00 | -$755.00 |
| Maryland State Tax | -$4,559.75 | -$379.98 |
| Ellicott City Local Tax (1.68%) | -$1,332.24 | -$111.02 |
| Social Security (6.2%) | -$4,916.60 | -$409.72 |
| Medicare (1.45%) | -$1,149.85 | -$95.82 |
| Take-Home Pay | $58,281.56 | $4,856.80 |
Property Tax in Ellicott City
Median Home
$429,000
Annual Tax
$4,676
Monthly Tax
$390
Effective Rate
1.09%
Sales Tax in Ellicott City
Combined Rate
6.6%
State Portion
~4.1%
Local Portion
~2.5%
The combined sales tax rate in Ellicott City is 6.6%, which is below the national average of 7.12%. On a $100 purchase, you would pay $6.60 in sales tax.
Tax Burden Comparison
| Tax Type | Ellicott City | Maryland Avg | National Avg |
|---|---|---|---|
| Income Tax | 5.75% + 1.68% | 5.75% | 4.6% |
| Property Tax | 1.09% | ~1.09% | 1.1% |
| Sales Tax | 6.6% | ~6.6% | 7.12% |
| Overall Burden | High | — | Moderate |
About Taxes in Ellicott City
Ellicott City has a population of approximately 73,272 residents with a median household income of $79,300. The cost of living index is 114.2 (14.2% higher than the national average of 100).
Tax burden classification: High. Effective combined tax rate of 30.5% includes federal, state, FICA, property, and sales taxes for a typical Ellicott City household.
Official Tax Resources for Maryland
For authoritative Maryland tax forms, filing deadlines, and the latest legislative updates, consult these official government resources:
- Maryland Comptroller — official state revenue agency
- Maryland Individual Income Tax Forms — current tax year forms and instructions
- IRS Federal Tax Forms and Instructions — federal income tax filing
Tax Saving Tips for Ellicott City Residents
- Maryland's income tax rate of 5.75% is above average. Maximize pre-tax retirement contributions (401k up to $23,500, IRA up to $7,000) to reduce both federal and state taxable income.
- Ellicott City has a local income tax of 1.68%. If you work remotely, verify whether you owe city tax based on where you work or where you live. Some cities only tax people who work within city limits.
- Property tax in Ellicott City (1.09%) is below the national average of 1.1%. This makes homeownership more affordable here relative to property tax burden.
- Use a Health Savings Account (HSA) if eligible. Contributions are tax-deductible ($4,400 individual, $8,750 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
Other Cities in Maryland
Baltimore
ModerateColumbia
Very HighGermantown
Very HighSilver Spring
Very HighFrederick
Very HighRockville
Very HighAnnapolis
HighSources & Methodology
Tax rate data on this page is compiled from official government sources and updated for the 2026 tax year. Calculations follow the IRS-published 2026 federal tax brackets, FICA rates (6.2% Social Security up to $176,100 wage base, 1.45% Medicare), and Maryland state tax provisions. Property tax estimates use Ellicott City's median home value of $429,000and the local effective property tax rate of 1.09%.
- • Federal tax brackets and standard deductions: IRS.gov
- • State income tax rates and brackets: Maryland Comptroller
- • Median household income, home value, and demographics: U.S. Census Bureau ACS
- • Cost of living comparisons: U.S. Bureau of Labor Statistics CES
- • National average benchmarks: Tax Foundation state-level tax burden studies
Disclaimer: Estimates are for informational purposes only. Actual tax liability depends on filing status, deductions, credits, and individual circumstances. Consult a licensed tax professional or your state revenue agency for binding tax guidance.
Reviewed by LevyIO Tax Research Team · Published 2026-01-15 · Last updated 2026-04-30
Calculate Your Full Maryland Tax Burden
See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in Ellicott City, MD?
Ellicott City, Maryland has a state income tax rate up to 5.75%, plus a local income tax of 1.68%. The property tax rate is 1.09% and the combined sales tax rate is 6.6%.
How much is property tax in Ellicott City?
The effective property tax rate in Ellicott City is 1.09%. On the median home price of $429,000, this equals approximately $4,676 per year or $390 per month. This is below the national average of 1.1%.
What is the sales tax rate in Ellicott City?
The combined sales tax rate in Ellicott City is 6.6%, which includes both state and local components. This is below the national average combined rate of approximately 7.12%.
How does Ellicott City's tax burden compare to other cities?
Ellicott City has a high overall tax burden. The effective total tax rate for a median-income household is approximately 30.5%. The combination of 5.75% state income tax, 1.09% property tax, and 6.6% sales tax determines the total burden. Cost of living index is 114.2 (100 = national average).
Are there any local taxes in Ellicott City?
Yes. Ellicott City imposes a local income tax of 1.68% in addition to the state income tax of 5.75%.