21703 Property Tax Rate
Frederick, Maryland · Part of Frederick County
Effective Tax Rate
1.02%
6.1% below state avgMedian Annual Tax
$3,733
$311/mo escrow
Estimate Your Tax
Annual Tax
$3,733
Monthly
$311
Eff. Rate
1.02%
Buyer decision brief
What ZIP 21703 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$311/mo
Based on median annual tax paid
State context
0.06 percentage points above the Maryland average
Maryland average: 0.96%
Data confidence
High confidenceThe Census margin of error is $145, about 4% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Frederick County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 21703 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$145 tax MOE, 4% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
Frederick County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 21703
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $364,300, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 1.02%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Maryland and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $311 per month before insurance, HOA dues, or special assessments.
Assessor verification
Frederick County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 21703 Compares
Median Annual Property Tax
ZIP 21703
1.02%
Effective rate
Maryland Avg
0.96%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Maryland
Higher than 67% of ZIP codes in Maryland(67th percentile, 423 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 21703
Property owners in ZIP code 21703 (Frederick, Maryland) pay a median of $3,733/year in property taxes on homes valued at $364,300. This translates to an effective tax rate of 1.02%, which is 6% above the Maryland state average of 0.96%.
The monthly property tax burden for a median-valued home in 21703 is approximately $311, which factors into escrow payments on mortgages. This ZIP code is located within Frederick County. This is $241 less than the Maryland average of $3,974/year.
Compared to similar ZIP codes in Maryland, 21703 has higher property taxes. ZIP codes with similar effective rates include 21158 (1.02%) and 20601 (1.02%).
In Frederick, property taxes represent approximately 3.5% of the median household income of $105,293, providing context for the relative tax burden on homeowners in this area.
Maryland's Homestead Tax Credit caps annual assessment increases at 10% for primary residences, critical protection in Frederick County where median tax bills reach $4,775. File your homestead application with the Frederick County Assessor immediately after closing to lock in your base assessment value. Contact the Frederick County Assessor's office by phone or online to obtain the application form and confirm your eligibility within 30 days of settlement.
Frequently Asked Questions
What is the property tax rate in ZIP code 21703?
How much are property taxes in Frederick, MD (21703)?
How does ZIP 21703 compare to the Maryland average?
What is the median home value in ZIP 21703?
What county is ZIP code 21703 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$145. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 21703 is part of Frederick County, Maryland. View the full county profile for broader context and more data.
View Frederick County on TaxByCounty →Explore Frederick, MD
View all 4 ZIP codes in Frederick with property tax comparisons.
View Frederick Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 21703
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
21780
Sabillasville, MD
0.27 percentage points lower than ZIP 21703.
Rate
0.75%
Tax
$3,156
Quality
84
21717
Buckeystown, MD
0.21 percentage points lower than ZIP 21703.
Rate
0.81%
Tax
$3,493
Quality
89
21770
Monrovia, MD
0.19 percentage points lower than ZIP 21703.
Rate
0.84%
Tax
$5,025
Quality
89
21710
Adamstown, MD
0.19 percentage points lower than ZIP 21703.
Rate
0.84%
Tax
$4,884
Quality
89
21754
Ijamsville, MD
0.16 percentage points lower than ZIP 21703.
Rate
0.86%
Tax
$5,356
Quality
89
21718
Burkittsville, MD
0.16 percentage points lower than ZIP 21703.
Rate
0.87%
Tax
$3,885
Quality
84
21755
Jefferson, MD
0.15 percentage points lower than ZIP 21703.
Rate
0.88%
Tax
$4,326
Quality
89
21778
Rocky Ridge, MD
0.12 percentage points lower than ZIP 21703.
Rate
0.90%
Tax
$3,743
Quality
74
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.