Taxes in Frederick, Maryland
Complete tax guide for Frederick, MD. State income tax up to 5.75%, 1.08% property tax, 6% sales tax. Calculate your total tax burden.
State Income Tax
5.75%
Maryland
Property Tax
1.08%
Effective rate
Sales Tax
6%
Combined rate
Tax Burden
Very High
Frederick, MD Tax Overview
Frederick County piggyback rate 2.96%
Population
78,171
Median Income
$85,213
Cost of Living
109.7 (100 = avg)
State Income Tax
5.75%
Local Income Tax
2.96%
Median Home Price
$365,000
Frederick Tax Calculator
Pre-filled with Frederick median: $85,213
Total Tax Burden in Frederick
$24,302
Take-Home: $60,911 · Effective Rate: 28.52%
Federal Tax
$10,361
12.16% eff.
MD State + Local
$7,422
8.71% eff.
FICA
$6,519
7.65% eff.
Take-Home
$60,911
71.48% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $85,213.00 | $7,101.08 |
| Federal Income Tax | -$10,360.86 | -$863.41 |
| Maryland State Tax | -$4,899.75 | -$408.31 |
| Frederick Local Tax (2.96%) | -$2,522.30 | -$210.19 |
| Social Security (6.2%) | -$5,283.21 | -$440.27 |
| Medicare (1.45%) | -$1,235.59 | -$102.97 |
| Take-Home Pay | $60,911.29 | $5,075.94 |
Property Tax in Frederick
Median Home
$365,000
Annual Tax
$3,942
Monthly Tax
$329
Effective Rate
1.08%
Sales Tax in Frederick
Combined Rate
6%
State Portion
~3.5%
Local Portion
~2.5%
The combined sales tax rate in Frederick is 6%, which is below the national average of 7.12%. On a $100 purchase, you would pay $6.00 in sales tax.
Tax Burden Comparison
| Tax Type | Frederick | Maryland Avg | National Avg |
|---|---|---|---|
| Income Tax | 5.75% + 2.96% | 5.75% | 4.6% |
| Property Tax | 1.08% | ~1.08% | 1.1% |
| Sales Tax | 6% | ~6% | 7.12% |
| Overall Burden | Very High | — | Moderate |
Tax Saving Tips for Frederick 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.
- Frederick has a local income tax of 2.96%. 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 Frederick (1.08%) 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 ($4,300 individual, $8,550 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
Other Cities in Maryland
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HighCalculate 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 Frederick, MD?
Frederick, Maryland has a state income tax rate up to 5.75%, plus a local income tax of 2.96%. The property tax rate is 1.08% and the combined sales tax rate is 6%. Frederick County piggyback rate 2.96%
How much is property tax in Frederick?
The effective property tax rate in Frederick is 1.08%. On the median home price of $365,000, this equals approximately $3,942 per year or $329 per month. This is below the national average of 1.1%.
What is the sales tax rate in Frederick?
The combined sales tax rate in Frederick is 6%, which includes both state and local components. This is below the national average combined rate of approximately 7.12%.
How does Frederick's tax burden compare to other cities?
Frederick has a very high overall tax burden. The effective total tax rate for a median-income household is approximately 34.2%. The combination of 5.75% state income tax, 1.08% property tax, and 6% sales tax determines the total burden. Cost of living index is 109.7 (100 = national average).
Are there any local taxes in Frederick?
Yes. Frederick imposes a local income tax of 2.96% in addition to the state income tax of 5.75%. Frederick County piggyback rate 2.96%