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FIPS: 42091•Rank #83 National•Rank #1 in PA
Montgomery County, PA
Forward-Looking Municipal Debt, Assessment Lag & Carrying Cost Audit
Elevated Tax Drift Risk
96% Conf.
Tax Drift Index
54.7/ 100
Elevated Drift Risk
Montgomery County Executive Risk Briefing
MSRB EMMA Disclosures & US Census BureauAugust 2026
Montgomery County carries a Elevated Tax Drift Score (54.7/100) based on $7,900 in overlapping municipal debt per capita and a +21% CAD assessment lag spread. Projected 3-year millage escalation of +0.22% (+22 bps) indicates an estimated +$2,349/yr escrow adjustment on median-priced properties.
Median Home: $460,000Median Income: $107,000Effective Tax: 1.9%
Municipal Debt Per Capita
$7,900
7.4% of Median Income
CAD Valuation Lag
+21.0%
Assessed Value trailing Market HPI
3-Yr Millage Escalation
+22 bps
Effective Rate: 1.9% → 2.2%
Projected Annual Escrow Shock
+$2,349/yr
Estimated on median assessed home
Overlapping Taxing Jurisdictions & Debt Obligations
Breakdown of autonomous debt issuers assessing ad valorem property taxes on parcels within Montgomery County.
| Entity Name | Entity Type | Outstanding Bond Debt | Debt / Student or Cap | Adopted Millage |
|---|---|---|---|---|
| Lower Merion School District | ISD | $380.0M | $44,000 | 118.000% |
5-Year Historical Drift Score & Effective Rate Trajectory
2022
48
1.8% eff.
2023
50
1.9% eff.
2024
52
1.9% eff.
2025
54
1.9% eff.
2026
54.7
1.9% eff.
Statutory Constraint & Legislative Policy
Suburban Philadelphia school districts utilize Act 1 index exceptions to fund facility capital maintenance and pension obligations.
Data Provenance & Audit Citations