Gardners, Cumberland County, Pennsylvania Property Taxes

Name: Property Tax Bills Across Gardners, Cumberland County, Pennsylvania
Creator: Ownwell
License: https://creativecommons.org/licenses/by-nc/4.0/

Median Gardners, PA effective property tax rate: 1.93%, significantly higher than the national median of 1.02%, but lower than the Pennsylvania state median of 2.81%.
Median Gardners, PA home value: $159,100
Median annual Gardners, PA tax bill: $2,724, $324 higher than the national median property tax bill of $2,400.

How are property taxes in Cumberland calculated?

Property taxes in Gardners, PA 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 Gardners’ property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Gardners, knowing local tax details benefits homeowners and investors.

Last Updated March 1, 2025

Gardners, Cumberland County, Pennsylvania Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

2.07%

Estimate Property Tax Bill

$3,314

$3,075

Ownwell’s Gardners Property Tax Bill Calculator empowers homeowners, real estate investors, and potential buyers to estimate their annual property taxes in Gardners with just two data points. By entering your property's estimated assessed value, our calculator applies Gardners’s median effective tax rate to accurately estimate your property tax bill. Note that your property's assessed value — determined by your county — reflects any exemptions you may have, ensuring a precise calculation for your property tax obligations. This insightful tool helps you understand potential tax liabilities and highlights how Ownwell can assist in reducing property taxes in Cumberland. For those interested in more localized information, please scroll down to explore city-level trends!

Property Tax Rates Across Gardners, Cumberland County, Pennsylvania

Local government entities determine tax rates, which can vary significantly within a state. This variation is due to each county's process of estimating its required budget to provide services and dividing that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate. Although votes and laws are involved in setting tax rates and budgets, this is essentially the annual process.

In Gardners, located in Cumberland County, the effective property tax rate is 1.93%. This is notably higher than the national median property tax rate of 1.02%. When compared to other cities within Pennsylvania, Gardners stands out with its rate. This can impact homeowners, as a higher tax rate usually means a higher tax bill, which can affect affordability and long-term financial planning. Understanding these rates is crucial for property owners who wish to manage their expenses effectively. By appealing property taxes or seeking exemptions, homeowners in Gardners can potentially reduce their tax burden. This proactive approach can lead to significant savings and a better understanding of the local property tax landscape.

Property Tax Rates Across Gardners, Cumberland County, Pennsylvania

Source: Ownwell

1.50%

1.85%

2.19%

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 Gardners Tax Rate

2.07%

Median Effective Cumberland County Tax Rate

2.06%

Median Effective Pennsylvania Tax Rate

2.75%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Gardners, Cumberland County, Pennsylvania

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
17324	1.70%	1.70%	2.07%	2.07%	2.07%

Source: Ownwell

Property Tax Assessment Values Across Gardners, Cumberland County, Pennsylvania

When examining property taxes in Gardners, PA, 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 appraisal district 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 the spring each year. They’ll typically reach your mailbox by the middle of April. 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 Gardners. For example, the median home price in Gardners is $159,100, with tax bills ranging significantly across the county. 17324 has the highest median home price at $159,100.

Property Tax Assessment Values Across Gardners, Cumberland County, Pennsylvania

Source: Ownwell

$115,100

$183,775

$252,450

Median Gardners Market Value

$160,100

Median Cumberland County Market Value

$184,500

Median Pennsylvania Market Value

$118,310

Median United States Market Value

$235,294

Property Tax Assessment Values Across Gardners, Cumberland County, Pennsylvania

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
17324	$79,320	$123,150	$160,100	$196,500	$241,700

Source: Ownwell

Property Tax Bills Across Gardners, Cumberland County, Pennsylvania

In Gardners, PA, property tax bills are calculated based on the assessed value of a home, which is determined by the Cumberland County assessor's office. The assessed value is then multiplied by the local tax rate to determine the annual tax bill. With a median home price of $159,100, homeowners in Gardners face a median property tax bill of $2,724. This figure is above the national median property tax bill of $2,400, indicating a relatively higher tax burden for local residents. Factors such as property improvements or changes in market conditions can influence assessments and subsequently affect tax bills. For homeowners, this can mean a significant financial obligation each year. However, Ownwell can assist by offering property tax appeal services to potentially lower the assessed value and, in turn, reduce the tax bill. By analyzing local market trends and assessment data, Ownwell identifies opportunities for savings, ensuring homeowners are not overpaying on their property taxes.

Property Tax Bills Across Gardners, Cumberland County, Pennsylvania

Source: Ownwell

$2,422

$3,357

$4,291

Median Gardners Tax Bill

$3,026

Median Cumberland County Tax Bill

$3,586

Median Pennsylvania Tax Bill

$3,050

Median United States Tax Bill

$2,400

Property Tax Bills Across Gardners, Cumberland County, Pennsylvania

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
17324	$1,557	$2,327	$3,026	$3,820	$4,769

Source: Ownwell

Don't miss the deadline to appeal!

Dates

Links
Cumberland Tax Assessor
Website	gis.ccpa.net