Saint Pauls, Cumberland County, North Carolina Property Taxes
Property Taxes in Saint Pauls, North Carolina
Median Saint Pauls, North Carolina effective property tax rate: 1.15%, significantly lower than the national median of 1.02%, and higher than the North Carolina state median of 0.81%.
Median Saint Pauls, North Carolina home value: $102,516
Median annual Saint Pauls, North Carolina tax bill: $1,060, lower than the national median property tax bill of $2,400.
How are property taxes in Cumberland calculated?
Property taxes in Saint Pauls, North Carolina are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Saint Pauls's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Saint Pauls, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Saint Pauls, Cumberland County, North Carolina Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.15%
Estimate Property Tax Bill
$1,179
$1,094
How Does the Saint Pauls Property Tax Calculator Work?
Use this Saint Pauls property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Saint Pauls' median effective tax rate of 1.15% — based on actual property records in Cumberland County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Saint Pauls' median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Saint Pauls has a median property tax bill of $1,060, which is lower than the North Carolina median tax bill by $1,340 and below the national median property tax bill of $2,400. The state median tax rate is 0.81%, while Cumberland County is higher than the state rate.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Saint Pauls.
About Saint Pauls Property Taxes
About Property Taxes in Saint Pauls, Cumberland, North Carolina
Saint Pauls’s median effective property tax rate of 1.15% is higher than the Cumberland County base levy and lower than the North Carolina state median of 0.81% and lower than the national median of 1.02%. This rate reflects the Cumberland County base levy combined with local school district levies and special assessment districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Saint Pauls. Homeowners in ZIP code 28384 carry a median effective rate of 1.15%, while the lowest ZIP code also pays 1.15%. This spread reflects how school district boundaries and local assessment districts are drawn across Cumberland County. Understanding which part of Saint Pauls you live in can make a meaningful difference to your annual tax bill.
Saint Pauls homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before May 4, 2026.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Saint Pauls, Cumberland County, North Carolina
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Saint Pauls's effective property tax rate to other cities in North Carolina and the median property tax rates in North Carolina and the U.S.
Property Tax Rates Across Saint Pauls, Cumberland County, North Carolina
Source: Ownwell
1.13%
1.50%
1.86%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Saint Pauls Tax Rate
1.15%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Cumberland County Tax Rate
1.55%
Median Effective North Carolina Tax Rate
0.81%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Saint Pauls, Cumberland County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28384 | 0.78% | 1.05% | 1.15% | 1.28% | 1.45% |
Source: Ownwell
Property Tax Assessment Values Across Saint Pauls, Cumberland County, North Carolina
When examining property taxes in Saint Pauls, North Carolina, understanding the distinction between "market value" and "assessed value" is crucial.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Cumberland County tax office estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices:
In Cumberland County, assessment notices are sent in February each year. They'll typically reach your mailbox by the middle of February.
Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Saint Pauls.
For example, the median home price in Saint Pauls is $102,516, with tax bills ranging significantly across the county. 28384 has the highest median home price at $102,516.
Property Tax Assessment Values Across Saint Pauls, Cumberland County, North Carolina
Source: Ownwell
$61,026
$105,799
$150,572
Median Saint Pauls Market Value
$102,516
Median Cumberland County Market Value
$116,108
Median North Carolina Market Value
$221,500
Median United States Market Value
$235,294
Property Tax Assessment Values Across Saint Pauls, Cumberland County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28384 | $27,630 | $57,227 | $102,516 | $160,458 | $211,733 |
Source: Ownwell
Property Tax Bills Across Saint Pauls, Cumberland County, North Carolina
Property tax bills in Saint Pauls are calculated by applying the local tax rate to a home’s assessed value, which is based on the market value of the property. The assessed value reflects what the home is worth for tax purposes, and that amount is then used to determine the annual bill. For homeowners in Saint Pauls, the size of the tax bill depends on the value of the home, local tax rates, and any exemptions or adjustments that may apply.
With a median home price of $102,516, property taxes in the city can vary widely from one homeowner to another. The median tax bill in the area is $1,060, which is below the national median property tax bill of $2,400 and also below the national median property tax rate of 1.02%. Bills range from $670 at the 25th percentile to $1,724 at the 75th percentile, with the 90th percentile reaching $2,239. For many homeowners, even small changes in assessed value can have a meaningful impact on the amount due each year.
Property Tax Bills Across Saint Pauls, Cumberland County, North Carolina
Source: Ownwell
$752
$1,730
$2,707
Median Saint Pauls Tax Bill
$1,060
Median Cumberland County Tax Bill
$1,757
Median North Carolina Tax Bill
$1,813
Median United States Tax Bill
$2,400
Property Tax Bills Across Saint Pauls, Cumberland County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28384 | $361 | $670 | $1,060 | $1,724 | $2,239 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | May 4 |
Links | |
|---|---|
| Cumberland Tax Assessor | |
| Website | taxpwa.co.cumberland.nc.us |