1. A Homeowner’s Tax Credit (HTC) program is available to primary residence homeowners of any age, but if you are 70 or older, you may be eligible to reduce the taxes you owe for the past three years. If your gross household income is less than $60,000, you should review the Homeowners Tax Credit eligibility.  Once you complete the HTC-1 form, you will need to forward the required documentation, along with the signed application, to the state for processing. Their address is Maryland State Department of Assessments & Taxation Homeowners’ Tax Credit Program, P.O. Box 49005, Baltimore, MD 21297. Questions regarding your application status, contact 410-767-4433. If you are granted a Homeowner’s Tax Credit, you will receive a corrected bill from our office.
  2. ​Carroll County Senior Tax Credit Program is available for senior citizens aged 65 and older with a combined annual income of $50,000 or less, net assets under $500,000 or less, and an assessment of home of $300,000 or less. For more information https://www.carrollcountymd.gov/media/16918/2022-carroll-county-senior-tax-credit-program-info_.pdf.
  3. If you are a homeowner of limited income, you may qualify for the Homeowner Protection Program (HPP), which could keep your home out of tax sale for at least three years and help you to pay the taxes you owe and keep your home. Application can be found https://dat.maryland.gov/Documents/2025HPP_Application.pdf

       More information is available https://dat.maryland.gov/Pages/hpp.aspx.

  1. The Homeowners HOPE Hotline offers free counseling to homeowners to help them make plans to pay their bills and keep their homes by calling the HOPE Hotline at 877-462-7555. More information is available https://dhcd.maryland.gov/Residents/Pages/HOPE/Homeowners.aspx.