Baltimore-Columbia-Towson Metro Guide · Last verified Apr 12, 2026
6 local programs from county, city, utility, and regional sources for Baltimore-Columbia-Towson area homeowners. 6 currently open and accepting applications.
These are county, city, utility, and regional programs specific to the Baltimore-Columbia-Towson metropolitan area. They're in addition to Maryland's statewide programs and federal credits that all homeowners can access.
| Program | Administrator | Value | Status | Source |
|---|---|---|---|---|
| Baltimore City Targeted Homeowners Tax Credit | Baltimore City Department of Finance | Free / Advisory | Open | Official |
| Baltimore County Homestead Property Tax Credit | Baltimore County Budget & Finance | Free / Advisory | Open | Official |
| Maryland Homeowners Property Tax Credit | Maryland SDAT | Free / Advisory | Open | Official |
| Montgomery County Senior Property Tax Credit | Montgomery County Dept of Finance | Up to $2,500 | Open | Official |
| BGE Home Performance with ENERGY STAR Rebates | Baltimore Gas & Electric | Up to $15,000 | Open | Official |
| Pepco Home Performance with ENERGY STAR | Pepco (EmPOWER Maryland) | Up to $15,000 | Open | Official |
Baltimore County Budget & Finance
Automatically limits annual property tax assessment increases to 4% cap. Credit calculated on any assessment increase exceeding the cap.
Property must not have transferred to new ownership; no zoning change by owner that increased value
Automatic for qualifying properties
Maryland SDAT
Income-based state property tax credit that limits property taxes to a fixed percentage of gross income. Applied to first $300,000 of assessed value. Household income must be $60,000 or less.
Household income $60,000 or less; net worth under $200,000 (excl. home and retirement); must own and occupy
Annual application required; deadline Oct 1
Montgomery County Dept of Finance
Supplemental property tax credit for homeowners 65+ on top of state Homeowners Tax Credit.
Must be 65+, property is principal residence. Must qualify for state Homeowners Tax Credit.
Applications accepted through Oct 1, 2026
Baltimore City Department of Finance
Expanded property tax credit for residential homeowners in Baltimore City. Being significantly expanded in FY2027.
Must own and occupy property in Baltimore City as primary residence; income-based eligibility
Being expanded for FY2027
Baltimore Gas & Electric
Up to $15,000 for heat pump/heat pump water heater conversion from fossil fuels; up to $10,000 for non-electrification upgrades (insulation, air sealing). Income-qualified tiers available.
Must be BGE residential customer; must work with participating contractor; application within 30 days of installation
Pepco (EmPOWER Maryland)
Up to $15,000 in rebates for switching from fossil fuels to electric heat pump or heat pump water heater.
Must be Pepco residential customer in Maryland. Must use participating contractor.
Reserve by Jun 30, 2026
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These 6 local programs are on top of federal credits and Maryland state rebates. Take the free quiz to see your personalized total.
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