Cecil County, MD Property Tax Calculator

The effective property tax rate in Cecil County is 0.89% — calculated as the median annual property tax paid ($3,068) divided by the median home value ($343,400), using 2024 US Census ACS 5-year estimates. Your actual bill depends on your purchase price, homestead or senior exemptions, and any special assessments applied in your taxing district.

Maryland's combined real estate transfer tax is approximately 0.50% of the purchase price. On the median Cecil County home value of $343,400, this adds roughly $1,717 at closing. State Transfer Tax 0.5% of price, customarily split 50/50 buyer/seller. Additional County Recordation Tax varies by jurisdiction ($2.50–$6.00 per $500 = 0.5%–1.2%), also customarily split. First-time MD buyers have the 0.25% buyer-side state portion waived (seller pays full 0.5%). As of July 1, 2025, state transfer tax rises from 0.5% to 1.5% on sales to 'real estate enterprises' (entities with >120 properties or >$12M statewide).

Only in parts. About 9.2% of Cecil County's land area is within a FEMA Special Flood Hazard Area. Most homes are outside these zones, but worth verifying the specific address at msc.fema.gov.

Closing costs for a buyer in Cecil County typically run $6,868–$17,170 (2–5% of purchase price) on a median-priced home, including title insurance ($800–$2,000), appraisal ($400–$700), home inspection ($350–$600), recording fees ($100–$300), and loan origination (0.5–1.0% of the loan amount). Use the calculator above for a specific estimate at your purchase price.