Illinois · County property tax · ACS 2024
Cumberland County Property Taxes
The median homeowner in Cumberland County pays $2,004 a year, an effective rate of 1.59%, roughly in line with the U.S. average.
- $2,004
- Median tax / yr · Above-median bill
- 1.59%
- Effective rate · Highest-decile rate
- +1%
- vs U.S. average
- #71 of 102
- rank in IL
The verdict
Homeowners in Cumberland County pay a median $2,004 a year in property tax, an effective rate of 1.59%, more affordable than 8% of U.S. counties (Census ACS 2024).
- $2,004
- Median annual tax bill, 2024
- 1.59%
- Effective rate on median home
- #2872 of 3135
- U.S. counties by tax burden
- +1%
- vs the national average bill
Effective rate is the median property tax bill divided by the median home value ($126,000). U.S. Census Bureau, ACS 5-Year Estimates · 2024.
Census Bureau ACS property tax data for Illinois. Population: 10,334. Owner-occupied homes: 3,515.
The median annual property tax in Cumberland County is $2,004, which is 62% lower than the Illinois state average and 1% above the national average. The effective tax rate is 1.59% on a median home value of $126,000. Property taxes represent 2.7% of the median household income in this county.
Cumberland County's rate standing among U.S. counties
Primary signal
The effective rate is a national headwind
Cumberland County's 1.59% effective rate is among the highest of 3,135 tracked counties: only about 92% pay more.
Decision signal 2
The bill sits below the Illinois median
Homeowners in Cumberland County pay a median annual property tax of $2,004, roughly in line with the national median and far below the Illinois state median. On a $126,000 median home, that works out to an effective rate of 1.59% once the local assessment base and millage are combined.
Decision signal 3
Near the middle of Illinois counties by effective rate
Cumberland County ranks #71 of 102 counties in Illinois by effective rate (30% of in-state counties pay a lower rate).
Decision signal 4
Income and the tax bill sit in the middle band
Property taxes in Cumberland County run within the commonly cited 2%-4% national benchmark, at about 2.7% of the $73,327 median household income.
Informational notice
Figures describe the median homeowner household in Cumberland County as reported to the Census Bureau; your parcel can differ. Not tax, legal, or financial advice: check the county assessor or a qualified professional before decisions that depend on these numbers.
Most of the market's rise reached the bill
The effective rate here moved 11.2% down between 2020 and 2024, a smaller shift than in 55% of U.S. counties. With the median home value rose 18.5%, the median bill rose 5.3% to $2,004: the rate did comparatively little to offset the market.
Effective rate is the published median bill divided by the published median home value, so the two multiply back to the bill exactly; the rate's movement here is derived from those two figures rather than read from the rounded published rate. Both are ACS 5-year survey estimates for the median owner-occupied household, compared across non-overlapping releases. They describe what the Census published, not a local policy, assessment, or exemption change.
How to read this county's bill
Very little moved here between 2020 and 2024: the typical bill went from $1,903 to $2,004, a change of 5%. The comparison describes county-level medians only; individual assessments and bills can differ.
The plurality of owner-occupied homes here falls in the $2,000 to $2,999 band, at 906 of 3,515 (25.8%). This shows the reported distribution around the county median, while individual assessments can vary.
The rate is in the national top quarter while earnings are only moderately above the midpoint, so the median bill claims 2.7% of median household income. A high rate is affordable only relative to something, and this is what it is relative to here.
The share above is the median annual bill divided by median household income, a ratio of two county-level medians rather than a household-by-household figure.
What Cumberland County Homeowners Actually Pay
The single largest group of Cumberland County homeowners, 906 of 3,515 owner-occupied homes (25.8%), pays $2,000 to $2,999 a year. The median is one point in this spread, not a typical bill.
- Less than $800 20.5% (719)
- $800 to $1,499 18.4% (647)
- $1,500 to $1,999 9.2% (325)
- $2,000 to $2,999 25.8% (906)
- $3,000 or more 22.5% (792)
Census ACS 2024, table B25102. Bands and the no-tax share sum to 100%.
126 homes here (3.6%) report no real estate tax at all. Exemptions are set by state: how Illinois handles assessments and appeals.
With vs Without Mortgage
Mortgaged and non-mortgaged homeowners in Cumberland County pay about the same bill, a 3% gap.
Cumberland County's effective rate vs peers
Effective property tax rate (median tax ÷ median home value), ACS 2024.
Cumberland County's effective rate is higher than 30% of the 102 counties in Illinois - ranking #71 of 102.
Where Cumberland County sits among every U.S. county
Effective property tax rate (median tax ÷ median home value)
1.59% more affordable than 8% of 3,135 U.S. counties
Show national distribution
Each bar is a band; taller bars hold more U.S. counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2024
Among the highest-taxed counties in the country
At 1.59%, Cumberland County sits in the top 8% of all U.S. counties by effective property-tax rate. That is the rate, not the bill: a high rate on a modest home can still produce a smaller cheque than a low rate on an expensive one, which is why the $2,004 median bill is the number to compare against another county.
Cumberland County vs Benchmarks
| Metric | Cumberland County | Illinois Avg | U.S. Avg |
|---|---|---|---|
| Median Annual Tax Above-median bill | |||
| Effective Tax Rate Highest-decile rate | |||
| Median Home Value | |||
| Tax as % of income Above-median income burden | 2.7% | - | - |
Source: U.S. Census Bureau, ACS 5-Year Estimates. Tax-burden differences across rows reflect millage decisions, assessment-ratio practices, and the residential-vs-commercial mix of each tax base.
Cumberland County's STEEP · MID lane - is an appeal worth running?
On Cumberland County's published figures (STEEP · MID), a $126,000 median home carries a $2,004 median bill, so every 10% off an assessed value is worth about $200 a year at the same rate. Appeal Savings Estimator · appeal guide for Illinois.
Cumberland County rate trail · STEEP
| Year | Median Tax (vs prior release) | Effective Rate |
|---|---|---|
| 2024 | $2,004 -3.1% | 1.59% |
| 2023 | $2,068 -4.4% | 1.76% |
| 2022 | $2,163 +11.1% | 1.86% |
| 2021 | $1,947 +2.3% | 1.80% |
| 2020 | $1,903 | 1.79% |
Each row is a separate ACS 5-year release, and consecutive releases share four of their five survey years. The percentage beside each bill is therefore movement in the published estimate against the previous release, not a single year's tax change. The two releases largely describe the same households. For change over time, compare releases that do not overlap.
Cumberland County: tax-to-income at 2.7%
Counties near Cumberland County's effective rate
On effective rate, Cumberland County sits nearest Sherman County (KS), Stafford County (KS), Cameron County (PA).
On published median-tax change, the nearest matches are Grant County (OR), Divide County (ND), Obion County (TN).
How peers are chosen
These are the nearest cross-state matches in the published Census data, not neighboring counties or recommendations. Peers are rebuilt with each data release; see the calculation method.
Similar effective rates
Similar published median-tax changes, 2020–2024
Cumberland County: only 2% of returns show Schedule A real-estate tax
Tax year 2022: 100 of 4,920 returns from Cumberland County reported real estate taxes, averaging $3,420 - 40% of those reporters sat in the $50-75k AGI band.
What this IRS county file does not say
Amounts are reported before the SALT cap, not deducted; the share is of filers, not homeowners. Source: IRS SOI county data, tax year 2022.
Other Counties in Illinois
Cumberland County rate FAQs
- How does Cumberland County property tax compare to the national average?
- Property taxes in Cumberland County run roughly in line with the national median of $1,993, an effective rate of 1.59% versus 0.92% nationally.
- What is the average property tax in Cumberland County, Illinois?
- The median annual property tax in Cumberland County is $2,004, an effective rate of 1.59% on a $126,000 median home (Census ACS, 2024).
- What is the tax affordability score for Cumberland County?
- Cumberland County, Illinois scores D (43/100) on PlainPropertyTax's tax affordability composite across 5 Census ACS dimensions (effective rate, bill size, income share, mortgage gap, and home-value/income). Its strongest scored dimension here is housing pressure at A+ (1.72×). The score compares published county medians to U.S. percentiles, it is not a personal bill and not advice to buy, sell, appeal, or relocate.
- What percentage of income goes to property taxes in Cumberland County?
- Property taxes in Cumberland County run within the commonly cited 2%-4% national benchmark, at about 2.7% of the $73,327 median household income.
- Are property taxes increasing in Cumberland County?
- The ACS median property-tax bill for Cumberland County ticked up 5.3% between the 2020 and 2024 5-year releases, from $1,903 to $2,004, a 4-year span. These are survey estimates covering five years each, so this compares the two releases furthest apart rather than consecutive ones, which overlap and would mostly measure the same households twice.
What to do with Cumberland County's STEEP rate
Inside Illinois, Cumberland County's $2,004 median bill runs low versus the state median - check peer counties before assuming the lowest bill is the best move. Illinois overview →
Cumberland County ranks #71 of 102 Illinois counties by effective rate - on the lower-burden half of the state ACS set. Illinois overview →
Nationwide peers by effective rate (then bill)
Rate-first peers for Cumberland County's STEEP effective rate, then a disjoint out-of-state bill set so the two neighborhoods stay distinct.
Similar effective rate
Nearest out-of-state counties by ACS effective rate. This county: 1.59%.
Similar median bill
Nearest out-of-state counties by ACS median annual tax. This county: $2,004/yr. Rate peers are excluded so the two link sets stay distinct.
Read with Cumberland County
Nearest ABS(median_tax) ACS peers for Cumberland County (STEEP · MID), replacing the old fixed Keep exploring strip.
STEEP MID
Shackelford County, TX
ABS(median_tax) peer · tied with Cumberland County at $2,004/yr; rate 1.15% vs Cumberland County 1.59%.
Meade County, KS
ABS(median_tax) peer · $2,005/yr (near-tied bill ABS $1); rate 1.35% vs Cumberland County 1.59%.
Philadelphia County, PA
ABS(median_tax) peer · $2,003/yr (near-tied bill ABS $1); rate 0.82% vs Cumberland County 1.59%.
Marion County, KS
ABS(median_tax) peer · $2,006/yr (near-tied bill ABS $2); rate 1.62% vs Cumberland County 1.59%.
Illinois county set
State ACS overview for every published Illinois county rate and median bill.
Appeal filing windows
Cumberland County stamps STEEP · MID - review notice deadlines before quoting the ACS median.
Data vintage and method
Data as of 2024. Source: U.S. Census Bureau, American Community Survey 5-Year Estimates.
Property tax data reflects median amounts paid by homeowners. Effective rates are calculated as median tax divided by median home value.
Source: U.S. Census Bureau American Community Survey 5-Year Estimates, county median real-estate taxes · 2024 Cumberland County (STEEP · MID) - ACS medians, not a parcel bill.