Cumberland, Cumberland County, Virginia Property Taxes

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Property Taxes in Cumberland, Virginia

Median Cumberland, Virginia effective property tax rate: 0.60%, significantly lower than the national median of 1.02%, and lower than the Virginia state median of 0.90%.
Median Cumberland, Virginia home value: $170,045
Median annual Cumberland, Virginia tax bill: $1,006, lower by $1,394 than the national median property tax bill of $2,400.

How are property taxes in Cumberland calculated?

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

Last Updated April 13, 2026

Cumberland, Cumberland County, Virginia Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

0.6%

Estimate Property Tax Bill

$1,020

$947

How Does the Cumberland Property Tax Calculator Work?

Use this Cumberland property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Cumberland's median effective tax rate of 0.60% — based on actual property records in Cumberland County — to generate your estimate.

Enter your property's estimated assessed value — the figure the local assessment process uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Cumberland's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.

Your bill may vary by ZIP code within Cumberland: rates range from 1006.00 in 23040 to 1006.00 in 23040, primarily due to differences in school district levies and local assessment districts.

For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Cumberland.

About Cumberland Property Taxes

About Property Taxes in Cumberland, Cumberland, Virginia

Cumberland’s median effective property tax rate of 0.60% is lower than the Virginia state median of 0.90% and lower than the national median of 1.02%. This rate reflects the Cumberland County levy and local assessments that shape what homeowners pay across the county.

Property tax rates are not uniform across Cumberland. Homeowners in ZIP code 23040 have the same median effective rate of 0.60%, with no difference between the highest and lowest areas reported. That means location-based variation is limited here, but your assessed value still plays a major role in your annual bill.

The median home price in Cumberland is $170,045, and the median property tax bill is $1,006, which is lower than the national median property tax bill of $2,400. The 75th percentile tax bill reaches $1,522, showing how higher assessments can increase costs.

Cumberland homeowners who believe their assessed value is too high can file an appeal with the Tax Assessor before March 31, 2028.

If your bill 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 Cumberland, Cumberland County, Virginia

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 Cumberland’s effective property tax rate to other cities in Virginia and the median property tax rates in Virginia and the U.S.

Property Tax Rates Across Cumberland, Cumberland County, Virginia

Source: Ownwell

0.60%

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 Tax Rate

0.60%

Median Effective Cumberland County Tax Rate

0.60%

Median Effective Virginia Tax Rate

0.90%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Cumberland, Cumberland County, Virginia

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
23040	0.60%	0.60%	0.60%	0.60%	0.60%

Source: Ownwell

Property Tax Assessment Values Across Cumberland, Cumberland County, Virginia

When examining property taxes in Cumberland, Virginia, 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 assessment 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 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 are sent in the spring each year and typically reach your mailbox by the middle of the month. Each property owner receives a notice that contains both the market value and assessed value, along with an estimate of your property tax bill.

For example, the median home price in Cumberland is $170,045, with tax bills centered at $1,006. Tax bills range from $583 at the 25th percentile to $2,088 at the 90th percentile, which is below the national median property tax bill of $2,400.

Property Tax Assessment Values Across Cumberland, Cumberland County, Virginia

Source: Ownwell

$140,190

$175,455

$210,720

Median Cumberland Market Value

$170,045

Median Cumberland County Market Value

$170,330

Median Virginia Market Value

$323,500

Median United States Market Value

$235,294

Property Tax Assessment Values Across Cumberland, Cumberland County, Virginia

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
23040	$48,732	$98,988	$170,045	$254,680	$346,294

Source: Ownwell

Property Tax Bills Across Cumberland, Cumberland County, Virginia

Property tax bills in Cumberland are based on the assessed value of a home and the local tax rate set by the county and other taxing authorities. When a property’s market value changes, the assessed value can change too, which affects the amount a homeowner owes. For a home with a median home price of $170,045, the tax bill is calculated by applying the local rate to that assessed value, then adjusting for any exemptions or special conditions that may apply.

Homeowners in Cumberland see a wide range of tax bills depending on property value and location. The 25th percentile tax bill is $583, while the 75th percentile is $1,522 and the 90th percentile is $2,088. The median tax bill is $1,006, and that figure is the same in ZIP code 23040. Compared with the national median property tax rate of 1.02% and the national median property tax bill of $2,400, Cumberland homeowners may face lower bills, but changes in assessed value can still have a meaningful impact on annual housing costs.

Property Tax Bills Across Cumberland, Cumberland County, Virginia

Source: Ownwell

$841

$1,038

$1,235

Median Cumberland Tax Bill

$1,006

Median Cumberland County Tax Bill

$1,019

Median Virginia Tax Bill

$2,852

Median United States Tax Bill

$2,400

Property Tax Bills Across Cumberland, Cumberland County, Virginia

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
23040	$284	$583	$1,006	$1,522	$2,088

Source: Ownwell

Don't miss the deadline to appeal!

Dates
Appeal Deadline	March 31

Links
Cumberland Tax Assessor
Website	eservices.cumberlandcounty.virginia.gov

Frequently Asked Property Tax Questions in Cumberland, Virginia

How are property taxes calculated in Cumberland, Virginia?

Property taxes in Cumberland, Virginia are calculated by multiplying your property's assessed value by the applicable tax rate set by local taxing authorities. The assessed value is determined by the county assessor and may differ from your property's market value depending on local assessment ratios and exemptions.

How do I appeal my property taxes in Cumberland, Virginia?

To appeal your property taxes in Cumberland, Virginia, you typically need to file a formal protest or appeal with your local appraisal district or assessor's office by the stated deadline. You'll need evidence such as comparable sales, a recent independent appraisal, or documentation of property condition issues. Ownwell can handle this entire process for you.

What property tax exemptions are available in Cumberland, Virginia?

Common property tax exemptions in Cumberland, Virginia include homestead exemptions for primary residences, senior citizen exemptions, veteran exemptions, and disability exemptions. Exemption amounts and eligibility requirements vary by county. Contact your local appraisal district or check Ownwell for details specific to your property.

When are property taxes due in Cumberland, Virginia?

Property tax deadlines in Cumberland, Virginia vary by county but typically include an assessment notice period in spring or early summer, followed by an appeal deadline, and a tax payment due date in the fall or winter. Check with your county assessor's office for specific dates in your area.

How can Ownwell help reduce my property taxes in Cumberland, Virginia?

Ownwell provides professional property tax appeal services in Cumberland, Virginia. Our team analyzes your assessment, gathers evidence, files all paperwork, and represents you at hearings — all with no upfront cost. You only pay a percentage of your savings if we successfully lower your tax bill.