Except as provided in subsection (b) of this section and for estimated personal property tax in § 14-604 of this subtitle, the rate of interest for full year county or municipal corporation property tax or taxing district property tax is two-thirds of 1% for each month or fraction of a month that the county or municipal corporation property tax or taxing district property tax is overdue. For the following counties and municipal corporations the rate of interest for each month or fraction of a month that county or municipal corporation property tax or taxing district property tax is overdue is: 5% for Garrett County; 1% for the City of Salisbury; 1% for Washington County; 1% for Somerset County; and the rate set by law by: the governing body of a county that has adopted a charter form of government under Article XI–A of the Maryland Constitution; the governing body of: Allegany County; the City of Annapolis; Berlin, not exceeding 1.5%; Caroline County, not exceeding 1%; Cecil County, or any municipal corporation in Cecil County, not exceeding 1%; Dorchester County; the City of Frederick, not exceeding 1%, that is set on or before the date of finality; Frederick County, not exceeding 1%, that is set on or before the date of finality; Ocean City, not exceeding 1.5%; Pocomoke City, not exceeding 1.5%; the Town of Princess Anne, not exceeding 1.5%; Kent County or any municipal corporation in Kent County; Queen Anne’s County or any municipal corporation in Queen Anne’s County; Snow Hill, not exceeding 1.5%; Worcester County, not exceeding 1.5%; Calvert County; St. Mary’s County; the City of Taneytown; the City of Cambridge; or Mardela Springs, not exceeding 1%; or the Mayor and City Council of Baltimore City for Baltimore City, if the rate is set on or before June 30 for the following taxable year. The governing body of Calvert County or of St. Mary’s County may set, by law: an interest rate for overdue tax on commercial property; and a separate interest rate for overdue tax on noncommercial property.