Cumberland County Property Taxes
The median property tax rate in Cumberland County is 1.52%, which is significantly higher than the national median of 0.99% but slightly below the Maine state median of 1.57%. With a median home value of $319,900 in Cumberland County, the typical annual property tax bill reaches $4,856, surpassing the national median of $2,690. Property taxes in Cumberland County are calculated based on the tax assessed value, which often falls below the actual market value due to various property tax exemptions like the primary residence and agricultural exemptions. Understanding Cumberland County's specific property tax system, exploring available exemptions, and identifying opportunities for property tax reductions can provide significant annual savings. Whether you live in Portland or another part of Cumberland County, gaining a comprehensive knowledge of local property taxes will benefit both homeowners and real estate investors.
Last Updated June 14, 2024
Cumberland County Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Average Tax Rate
1.52%
Estimate Property Tax Bill
$4,862
Ownwell’s Cumberland Property Tax Bill Calculator helps any homeowner, real estate investor, or potential owner to estimate their annual property taxes in Cumberland with just 2 data points. Enter your property's estimated assessed value, and our calculator applies the median tax rate in Cumberland to estimate your property tax bill. This insight helps you understand potential tax liabilities. If you’d like to see trends on a city level, scroll down to navigate to a more local informational page. Your property assessed value is the value assigned to your property by your county for property tax calculations. Assessed value takes into account any exemptions you may have on your property.
Property Tax Rates Across Cumberland County, Maine
Property taxes in Cumberland play a crucial role in funding essential local services like public schools, road maintenance, and emergency services. The median tax rate in Cumberland is 1.52%, which is higher than the U.S. national median of 0.99%. Local government entities within Cumberland set these rates annually, and they can vary significantly between different areas within the county. Each year, Cumberland estimates its required budget to maintain services for the upcoming fiscal year and divides this budget by the total value of all taxable property in the jurisdiction, resulting in the property tax rate. Although tax rates and budgets are influenced by laws and voter input, this calculation forms the basic process for setting property tax rates. For comparison, the city of Brunswick has one of the higher property tax rates in Maine at 2.33%, while the city of Bailey Island boasts one of the lowest at 0.59%. Analyzing how Cumberland's tax rates stack up against these benchmarks can give homeowners a better understanding of the local tax landscape.
Average Cumberland County Tax Rate
1.52%
Average Maine Tax Rate
1.57%
Average United States Tax Rate
0.99%
Property Tax Rates Across Cumberland County, Maine
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bailey Island | 0.59% | 0.59% | 0.59% | 0.59% | 0.59% |
| Bridgton | 1.72% | 1.72% | 1.72% | 1.72% | 1.72% |
| Brunswick | 2.33% | 2.33% | 2.33% | 2.33% | 2.33% |
| Buxton | 1.28% | 1.28% | 1.28% | 1.28% | 1.28% |
| Cape Elizabeth | 2.11% | 2.11% | 2.12% | 2.12% | 2.12% |
| Casco | 1.57% | 1.57% | 1.57% | 1.57% | 1.57% |
| Chebeague Island | 1.25% | 1.25% | 1.25% | 1.25% | 1.25% |
| Cliff Island | 1.44% | 1.44% | 1.44% | 1.44% | 1.44% |
| Cumberland | 2.12% | 2.12% | 2.12% | 2.12% | 2.12% |
| Cumberland Center | 2.12% | 2.12% | 2.12% | 2.12% | 2.12% |
| Cumberland Foreside | 2.12% | 2.12% | 2.12% | 2.12% | 2.12% |
| Cushing Island | 1.44% | 1.44% | 1.44% | 1.44% | 1.44% |
| Diamond Cove | 1.44% | 1.44% | 1.44% | 1.44% | 1.44% |
| East Baldwin | 1.24% | 1.24% | 1.24% | 1.24% | 1.24% |
| Falmouth | 1.19% | 1.19% | 1.19% | 1.19% | 1.19% |
| Freeport | 1.36% | 1.36% | 1.37% | 1.37% | 1.37% |
| Frye Island | 1.59% | 1.59% | 1.59% | 1.59% | 1.59% |
| Gorham | 1.28% | 1.28% | 1.28% | 1.29% | 1.29% |
| Gray | 1.52% | 1.52% | 1.52% | 1.52% | 1.52% |
| Great Diamond Island | 1.44% | 1.44% | 1.44% | 1.44% | 1.44% |
| Harpswell | 0.59% | 0.59% | 0.59% | 0.59% | 0.59% |
| Harrison | 1.19% | 1.19% | 1.19% | 1.19% | 1.19% |
| Long Island | 0.80% | 0.80% | 0.80% | 0.80% | 0.80% |
| Naples | 0.91% | 0.91% | 0.92% | 0.92% | 0.92% |
| New Gloucester | 1.43% | 1.43% | 1.43% | 1.43% | 1.43% |
| North Yarmouth | 1.81% | 1.81% | 1.81% | 1.81% | 1.81% |
| Orrs Island | 0.59% | 0.59% | 0.59% | 0.59% | 0.59% |
| Peaks Island | 1.44% | 1.44% | 1.44% | 1.44% | 1.44% |
| Pine Point | 1.60% | 1.60% | 1.60% | 1.60% | 1.60% |
| Portland | 1.44% | 1.44% | 1.44% | 1.44% | 1.44% |
| Pownal | 1.88% | 1.88% | 1.89% | 1.89% | 1.89% |
| Raymond | 1.59% | 1.59% | 1.59% | 1.59% | 1.59% |
| Scarborough | 1.60% | 1.60% | 1.60% | 1.60% | 1.60% |
| Sebago | 1.30% | 1.30% | 1.30% | 1.30% | 1.30% |
| South Portland | 1.56% | 1.56% | 1.56% | 1.56% | 1.56% |
| Standish | 1.44% | 1.44% | 1.45% | 1.45% | 1.45% |
| Steep Falls | 1.44% | 1.44% | 1.45% | 1.45% | 1.45% |
| West Baldwin | 1.24% | 1.24% | 1.24% | 1.24% | 1.24% |
| Westbrook | 1.81% | 1.81% | 1.81% | 1.81% | 1.81% |
| Windham | 1.16% | 1.16% | 1.16% | 1.16% | 1.16% |
| Yarmouth | 2.16% | 2.16% | 2.16% | 2.16% | 2.16% |
Source: Ownwell
Property Tax Assessment Values Across Cumberland County, Maine
Understanding the difference between "market value" and "assessed value" is key to comprehending property taxes in Cumberland. The market value represents the price a willing buyer would pay to a willing seller in an open, competitive market, considering location, property condition, and current economic trends. For tax purposes, this value is estimated by the Cumberland Appraisal District. The assessed value, however, is the market value minus any applicable exemptions or limits based on local laws and available programs. The assessed value is then used to calculate your property taxes by multiplying it by the combined tax rates of all relevant taxing entities. Assessment notices in Cumberland are typically mailed in the spring, usually by the middle of April. These notices provide homeowners with both the market and assessed values, along with an estimate of the annual property tax bill. By distinguishing between these valuation concepts, property owners can better navigate their tax responsibilities and understand how their property taxes are affected. Cumberland's property tax bills vary significantly, with Cumberland Foreside having the highest median tax bill at $10,931, while Naples has the lowest at $1,920. Being aware of these valuation processes will help you identify opportunities for appealing assessments or applying for exemptions to manage your tax burden more effectively.
Property Tax Assessment Values Across Cumberland County, Maine
Source: Ownwell
$153,100
$460,950
$768,800
Average Cumberland County Assessed Value
$319,900
Average Maine Assessed Value
$204,200
Average United States Assessed Value
$244,900
Property Tax Assessment Values Across Cumberland County, Maine
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bailey Island | $257,100 | $374,650 | $504,200 | $670,750 | $1,096,000 |
| Bridgton | $79,632 | $111,154 | $154,062 | $206,110 | $307,609 |
| Brunswick | $32,980 | $155,950 | $218,600 | $303,150 | $411,900 |
| Buxton | $768,800 | $768,800 | $768,800 | $768,800 | $768,800 |
| Cape Elizabeth | $191,940 | $243,375 | $332,550 | $491,125 | $730,160 |
| Casco | $19,200 | $101,625 | $153,100 | $234,900 | $335,530 |
| Chebeague Island | $207,660 | $255,100 | $333,200 | $592,000 | $776,520 |
| Cliff Island | $254,200 | $265,200 | $360,400 | $464,400 | $548,680 |
| Cumberland | $271,800 | $293,150 | $464,400 | $886,900 | $2,247,760 |
| Cumberland Center | $207,940 | $247,150 | $318,000 | $421,850 | $526,400 |
| Cumberland Foreside | $289,460 | $342,200 | $515,600 | $723,300 | $1,235,380 |
| Cushing Island | $421,030 | $456,175 | $514,750 | $573,325 | $608,470 |
| Diamond Cove | $286,100 | $361,600 | $430,700 | $799,100 | $1,163,600 |
| East Baldwin | $11,940 | $74,000 | $164,800 | $219,200 | $276,520 |
| Falmouth | $370,200 | $476,000 | $651,100 | $875,600 | $1,192,400 |
| Freeport | $161,600 | $262,300 | $370,600 | $543,850 | $792,300 |
| Frye Island | $174,000 | $174,000 | $174,000 | $174,000 | $174,000 |
| Gorham | $196,520 | $293,200 | $374,500 | $472,200 | $555,360 |
| Gray | $159,800 | $219,600 | $274,100 | $337,200 | $410,760 |
| Great Diamond Island | $269,500 | $284,025 | $392,950 | $581,625 | $675,200 |
| Harpswell | $186,000 | $279,700 | $421,500 | $650,400 | $950,800 |
| Harrison | $106,880 | $128,650 | $183,200 | $250,800 | $516,120 |
| Long Island | $167,386 | $244,388 | $365,318 | $476,576 | $597,204 |
| Naples | $86,030 | $135,627 | $209,815 | $268,141 | $342,662 |
| New Gloucester | $108,420 | $181,447 | $235,748 | $295,684 | $376,934 |
| North Yarmouth | $202,400 | $252,450 | $336,100 | $414,850 | $519,920 |
| Orrs Island | $232,980 | $316,800 | $465,800 | $709,350 | $1,022,780 |
| Peaks Island | $279,400 | $338,600 | $432,000 | $575,850 | $755,700 |
| Pine Point | $369,020 | $397,675 | $505,700 | $896,400 | $996,850 |
| Portland | $261,300 | $314,100 | $390,150 | $515,800 | $683,400 |
| Pownal | $167,580 | $215,000 | $265,200 | $338,200 | $420,800 |
| Raymond | $147,000 | $190,300 | $251,900 | $375,600 | $581,680 |
| Scarborough | $221,890 | $283,700 | $382,350 | $486,775 | $669,570 |
| Sebago | $88,227 | $152,954 | $202,857 | $277,094 | $538,421 |
| South Portland | $198,360 | $235,400 | $286,600 | $353,500 | $452,440 |
| Standish | $80,600 | $170,500 | $223,800 | $304,800 | $422,800 |
| Steep Falls | $145,940 | $182,300 | $210,400 | $252,600 | $304,120 |
| West Baldwin | $80,220 | $135,800 | $181,350 | $226,525 | $282,380 |
| Westbrook | $139,960 | $185,400 | $217,800 | $262,700 | $315,800 |
| Windham | $235,800 | $282,600 | $351,400 | $445,300 | $559,490 |
| Yarmouth | $222,400 | $265,700 | $352,500 | $509,350 | $713,600 |
Source: Ownwell
Property Tax Bills Across Cumberland County, Maine
In Cumberland County, ME, property tax bills are determined by multiplying the assessed value of a home by the local tax rate. The assessed value is an estimate of the property's market value, which is periodically updated to reflect changes in the real estate market. Several factors influence the assessed value, including the property's location, size, condition, and any improvements made. Homeowners in Cumberland County face varying property tax bills based on these assessments. For instance, the median home price in the county is $319,900. The tax bill can range significantly, with the 25th percentile at $3,581 and the 75th percentile reaching $6,771. At the higher end, the 90th percentile tax bill is $9,521. The highest median tax bill in the county is $10,931 in Cumberland Foreside, while the lowest is $1,920 in Naples. These property taxes impact homeowners by contributing to local services such as schools, public safety, and infrastructure, making it essential to understand how assessments and rates affect their annual tax obligations.
Average Cumberland County Tax Bill
$4,856
Average Maine Tax Bill
$3,200
Average United States Tax Bill
$2,690
Property Tax Bills Across Cumberland County, Maine
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bailey Island | $1,517 | $2,210 | $2,975 | $3,957 | $6,466 |
| Bridgton | $1,372 | $1,912 | $2,652 | $3,545 | $5,291 |
| Brunswick | $801 | $3,658 | $5,107 | $7,068 | $9,601 |
| Buxton | $9,879 | $9,879 | $9,879 | $9,879 | $9,879 |
| Cape Elizabeth | $4,060 | $5,146 | $7,011 | $10,370 | $15,238 |
| Casco | $301 | $1,592 | $2,398 | $3,679 | $5,254 |
| Chebeague Island | $2,596 | $3,189 | $4,206 | $7,400 | $9,707 |
| Cliff Island | $3,663 | $3,822 | $5,193 | $6,692 | $7,907 |
| Cumberland | $5,762 | $6,215 | $9,845 | $18,802 | $47,652 |
| Cumberland Center | $4,411 | $5,242 | $6,747 | $8,941 | $11,153 |
| Cumberland Foreside | $6,137 | $7,248 | $10,931 | $15,334 | $26,190 |
| Cushing Island | $6,067 | $6,573 | $7,418 | $8,262 | $8,768 |
| Diamond Cove | $4,123 | $5,211 | $6,206 | $11,515 | $16,767 |
| East Baldwin | $150 | $926 | $2,054 | $2,726 | $3,436 |
| Falmouth | $4,427 | $5,691 | $7,769 | $10,437 | $14,215 |
| Freeport | $2,206 | $3,580 | $5,061 | $7,424 | $10,872 |
| Frye Island | $2,767 | $2,767 | $2,767 | $2,767 | $2,767 |
| Gorham | $2,706 | $3,786 | $4,829 | $6,074 | $7,147 |
| Gray | $2,426 | $3,334 | $4,161 | $5,119 | $6,235 |
| Great Diamond Island | $3,884 | $4,093 | $5,662 | $8,381 | $9,730 |
| Harpswell | $1,097 | $1,650 | $2,487 | $3,837 | $5,610 |
| Harrison | $1,272 | $1,531 | $2,180 | $2,984 | $6,142 |
| Long Island | $1,346 | $1,965 | $2,937 | $3,832 | $4,802 |
| Naples | $787 | $1,241 | $1,920 | $2,454 | $3,135 |
| New Gloucester | $1,573 | $2,600 | $3,371 | $4,228 | $5,387 |
| North Yarmouth | $3,663 | $4,570 | $6,083 | $7,508 | $9,410 |
| Orrs Island | $1,375 | $1,869 | $2,748 | $4,186 | $6,034 |
| Peaks Island | $4,026 | $4,879 | $6,225 | $8,298 | $10,890 |
| Pine Point | $5,893 | $6,351 | $8,076 | $14,316 | $15,920 |
| Portland | $3,765 | $4,526 | $5,622 | $7,433 | $9,847 |
| Pownal | $3,159 | $4,053 | $4,999 | $6,375 | $7,932 |
| Raymond | $2,433 | $3,070 | $4,021 | $5,980 | $9,266 |
| Scarborough | $3,544 | $4,531 | $6,105 | $7,774 | $10,693 |
| Sebago | $1,145 | $1,983 | $2,633 | $3,597 | $6,989 |
| South Portland | $3,081 | $3,663 | $4,459 | $5,499 | $7,039 |
| Standish | $1,165 | $2,464 | $3,234 | $4,404 | $6,109 |
| Steep Falls | $2,109 | $2,634 | $3,040 | $3,650 | $4,395 |
| West Baldwin | $996 | $1,687 | $2,254 | $2,848 | $3,507 |
| Westbrook | $2,533 | $3,356 | $3,941 | $4,755 | $5,716 |
| Windham | $2,740 | $3,287 | $4,082 | $5,172 | $6,518 |
| Yarmouth | $4,808 | $5,744 | $7,621 | $11,012 | $15,428 |
Source: Ownwell
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