Maryland · Garrett County · Local exemptions · Updated Oct 2026
Garrett County, MD property tax exemptions (2026)
The property tax breaks that are set or run locally in Garrett County, on top of Maryland’s statewide rules: what each is worth here, who qualifies, where to apply and the deadline.
What is different in Garrett County
Garrett County publishes no county-only homeowner credits; residents use the state programs through the SDAT assessment office in Oakland. Its Homestead cap is one of the lowest in Maryland: county tax can rise at most 2% a year on a principal residence (Grantsville and Loch Lynn Heights use 10% for town tax).
Garrett County tax: the taxable assessment on your home can rise at most 2% a year; State tax: 10% a year. You pay no tax on the part of an increase above the cap. Towns with a different cap for town tax: Grantsville 10%, Loch Lynn Heights 10% (see the table).
Set by
state program, local amount
Tax year
2026-27
Who qualifies
Owner-occupants of their principal residence; no age or income limit.
How to apply
One-time application to SDAT (online at Maryland OneStop / sdathtc.dat.maryland.gov, or the paper form). Check SDAT Real Property Search first: if it shows 'No Application', apply.
Roughly what an exemption could save you a year: the value it takes off, times your tax rate.
Eligibility finder for Garrett County
Answer a few questions to see which property tax breaks may fit you. Nothing you type here is sent anywhere.
Document checklist for Garrett County
Pick the breaks you plan to apply for. You get a checklist of forms, documents, steps and deadlines to print or keep on your phone.
Questions about property tax exemptions in Garrett County
What property tax exemptions are there in Garrett County?
Garrett County publishes no county-only homeowner credits; residents use the state programs through the SDAT assessment office in Oakland. Its Homestead cap is one of the lowest in Maryland: county tax can rise at most 2% a year on a principal residence (Grantsville and Loch Lynn Heights use 10% for town tax). Local breaks here: Homestead Property Tax Credit (local cap).
Where do I apply for a property tax exemption in Garrett County?
Garrett County Tax Office (Billing & Collections) Phone: 301-334-1965 Address: 203 South Fourth Street, Room 107A, Oakland, MD 21550. Also: Maryland Department of Assessments and Taxation (SDAT) – Tax Credit Programs, which state program: Homestead and Homeowners' tax credits (and county supplements run through the HTC form). Also: SDAT Garrett County Assessment Office, which SDAT local assessment office: assessments, disabled-veteran and blind exemptions.
Do I have to reapply every year in Garrett County?
Do Maryland’s statewide exemptions apply in Garrett County too?
Yes. The statewide breaks on our Maryland page apply here as well, for example Homestead Property Tax Credit, Homeowners' Property Tax Credit (circuit breaker) and Disabled Veteran Exemption (100% service-connected). This page adds what Garrett County sets or runs itself.
Good to know in Garrett County
For Homestead and Homeowners' credit applications the county refers residents to the SDAT Garrett assessment office, 301-334-1950.
Median effective tax rate for Garrett County: U.S. Census Bureau, American Community Survey, 2020–2024 5-year estimates, county figures as published by Tax Foundation. The rate is property taxes paid divided by home value.