North Carolina · County property tax · ACS 2024
Cumberland County Property Taxes
The median homeowner in Cumberland County pays $1,850 a year, an effective rate of 0.93%, modestly below the U.S. average.
- $1,850
- Median tax / yr · Above-median bill
- 0.93%
- Effective rate · Above-median rate
- -7%
- vs U.S. average
- #8 of 100
- rank in NC
The verdict
Homeowners in Cumberland County pay a median $1,850 a year in property tax, an effective rate of 0.93%, more affordable than 41% of U.S. counties (Census ACS 2024).
- $1,850
- Median annual tax bill, 2024
- 0.93%
- Effective rate on median home
- #1861 of 3135
- U.S. counties by tax burden
- -7%
- vs the national average bill
Effective rate is the median property tax bill divided by the median home value ($199,200). U.S. Census Bureau, ACS 5-Year Estimates · 2024.
Census Bureau ACS property tax data for North Carolina. Population: 338,545. Owner-occupied homes: 71,328.
The median annual property tax in Cumberland County is $1,850, which is 2% lower than the North Carolina state average and 7% below the national average. The effective tax rate is 0.93% on a median home value of $199,200. Property taxes represent 3.0% of the median household income in this county.
Cumberland County's rate standing among U.S. counties
Primary signal
The effective rate sits near the national middle
Cumberland County's 0.93% effective rate sits near the middle of 3,135 tracked counties (more affordable than 41%).
Decision signal 2
Low among North Carolina counties by effective rate
Cumberland County ranks #8 of 100 counties in North Carolina by effective rate (92% of in-state counties pay a lower rate).
Decision signal 3
The bill is near the usual comparison points
Homeowners in Cumberland County pay a median annual property tax of $1,850, modestly below the national median and roughly in line with the North Carolina state median. On a $199,200 median home, that works out to an effective rate of 0.93% once the local assessment base and millage are combined.
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 3.0% of the $61,291 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.
The rate gave way faster than almost anywhere
Between the 2020 and 2024 releases the median home value in Cumberland County rose 42.6%, from $139,700 to $199,200. The effective rate fell 19.3% over the same span, a steeper move than in 80% of U.S. counties.
The median bill still rose 15.0%, to $1,850. Where the rate drops this far and the bill rises anyway, what changed is the value the rate is applied to.
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
Bills rose across 2020-2024, from $1,608 to $1,850, a gain of 15%. This is a comparison of published ACS medians, not an explanation of a particular property's assessment or tax bill.
The fullest band here is the $800 to $1,499 range, holding 17,011 of 71,328 owner-occupied homes (23.8%). The band shows where the largest share of reported owner-occupied households falls; it is not an individual-bill estimate.
Earnings are below the national midpoint while the rate is above it, and the median bill equals 3.0% of median household income. The gap between those two positions is the whole story on this page.
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, 17,011 of 71,328 owner-occupied homes (23.8%), pays $800 to $1,499 a year. The median is one point in this spread, not a typical bill.
- Less than $800 10.7% (7,604)
- $800 to $1,499 23.8% (17,011)
- $1,500 to $1,999 18.8% (13,384)
- $2,000 to $2,999 22.1% (15,746)
- $3,000 or more 20.0% (14,240)
Census ACS 2024, table B25102. Bands and the no-tax share sum to 100%.
3,343 homes here (4.7%) report no real estate tax at all. Exemptions are set by state: how North Carolina handles assessments and appeals.
With vs Without Mortgage
In Cumberland County, mortgaged homeowners pay 25% more than those without a mortgage, a gap that typically tracks higher home values rather than a different tax rate.
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 92% of the 100 counties in North Carolina - ranking #8 of 100.
Where Cumberland County sits among every U.S. county
Effective property tax rate (median tax ÷ median home value)
0.93% more affordable than 41% 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
Same bill as North Carolina, a higher rate
The median bill lands within 2% of the North Carolina median while the effective rate runs 41% above it. The two offset each other: a steeper rate applied to less valuable housing arrives at roughly the state's own $1,850. A rate ranking would place this county far from the middle; the bill does not.
Cumberland County vs Benchmarks
| Metric | Cumberland County | North Carolina Avg | U.S. Avg |
|---|---|---|---|
| Median Annual Tax Above-median bill | |||
| Effective Tax Rate Above-median rate | |||
| Median Home Value | |||
| Tax as % of income Above-median income burden | 3.0% | - | - |
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 is UNDER · MID on ACS medians, still verify your parcel card before quoting the county figure. Estimate appeal savings · North Carolina counties.
Cumberland County rate trail · UNDER
| Year | Median Tax (vs prior release) | Effective Rate |
|---|---|---|
| 2024 | $1,850 +1.5% | 0.93% |
| 2023 | $1,823 +3.2% | 0.99% |
| 2022 | $1,767 +6.1% | 1.06% |
| 2021 | $1,665 +3.5% | 1.15% |
| 2020 | $1,608 | 1.15% |
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 3.0%
Counties near Cumberland County's effective rate
On effective rate, Cumberland County sits nearest Arthur County (NE), Liberty County (MT), Gentry County (MO).
On published median-tax change, the nearest matches are Delaware County (PA), Grant County (WA), Marin County (CA).
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 4% of returns show Schedule A real-estate tax
Tax year 2022: 6,180 of 145,560 returns from Cumberland County reported real estate taxes, averaging $4,018 - 34% of those reporters sat in the $100-200k 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 North Carolina
Cumberland County rate FAQs
- What is the tax affordability score for Cumberland County?
- Cumberland County, North Carolina scores D (40/100) 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 bill size at D ($1,850/yr). 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 is the average property tax in Cumberland County, North Carolina?
- The median annual property tax in Cumberland County is $1,850, an effective rate of 0.93% on a $199,200 median home (Census ACS, 2024).
- How does Cumberland County property tax compare to the national average?
- Property taxes in Cumberland County run modestly below the national median of $1,993, an effective rate of 0.93% versus 0.92% nationally.
- Are property taxes increasing in Cumberland County?
- The ACS median property-tax bill for Cumberland County climbed 15.0% between the 2020 and 2024 5-year releases, from $1,608 to $1,850, 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 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 3.0% of the $61,291 median household income.
What to do with Cumberland County's UNDER rate
At Cumberland County's 0.93% effective rate, a $199,200 home implies about $1,850/yr - plug in your own assessed value rather than quoting the county median. Estimate your bill →
Cumberland County ranks #8 of 100 North Carolina counties by effective rate - on the higher-burden half of the state ACS set. North Carolina overview →
Nationwide peers by effective rate (then bill)
Rate-first peers for Cumberland County's UNDER 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: 0.93%.
Similar median bill
Nearest out-of-state counties by ACS median annual tax. This county: $1,850/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 (UNDER · MID), replacing the old fixed Keep exploring strip.
UNDER MID
Dorchester County, SC
ABS(median_tax) peer · $1,851/yr (near-tied bill ABS $1); rate 0.56% vs Cumberland County 0.93%.
Moore County, NC
ABS(median_tax) peer · $1,849/yr (near-tied bill ABS $1); rate 0.53% vs Cumberland County 0.93%.
Cedar County, NE
ABS(median_tax) peer · $1,848/yr (near-tied bill ABS $2); rate 1.00% vs Cumberland County 0.93%.
Hocking County, OH
ABS(median_tax) peer · $1,852/yr (near-tied bill ABS $2); rate 0.99% vs Cumberland County 0.93%.
North Carolina county set
State ACS overview for every published North Carolina county rate and median bill.
Assessment cycle basics
Cumberland County stamps UNDER · MID - how assessed value and millage become the ACS median bill.
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 (UNDER · MID) - ACS medians, not a parcel bill.