20680 Property Tax Rate

Property owners in ZIP code 20680 (Ridge, Maryland) pay a median of $3,625/year in property taxes on homes valued at $392,400. This translates to an effective tax rate of 0.92%, which is 4% below the Maryland state average of 0.96%.

The monthly property tax burden for a median-valued home in 20680 is approximately $302, which factors into escrow payments on mortgages. This ZIP code is located within St. Mary's County. This is $349 less than the Maryland average of $3,974/year.

Compared to similar ZIP codes in Maryland, 20680 has lower property taxes. ZIP codes with similar effective rates include 21901 (0.93%) and 21798 (0.92%).

In Ridge, property taxes represent approximately 4.5% of the median household income of $81,125, providing context for the relative tax burden on homeowners in this area.

Maryland's Homestead Tax Credit caps annual assessment increases at 10% for your primary residence, though your initial purchase-year assessment is unrestricted — file for the credit with St. Mary's County's tax office. The credit applies automatically to qualifying primary residences but requires proper registration; contact the St. Mary's County Assessor to ensure your homestead classification is recorded within 45 days of purchase. Request a copy of your Notice of Assessment and confirm your assessment ratio is correct (owner-occupied property should be assessed on market value).