Cumberland County, NJ Property Tax: $5,048/yr (2026)
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The effective property tax rate in Cumberland County is 2.46% of assessed home value. On a home at the county median value of $205,600, that works out to about $5,058 per year, or $422 per month. Cumberland County is located in southwestern New Jersey, and is home to approximately 152,915 residents.
About Cumberland County
Cumberland County covers approximately 483.4 square miles in New Jersey. The county is home to about 152,915 residents living in roughly 57,203 housing units, of which 61.1% are owner-occupied. The median household income is $64,499, and the median home was built in 1968.
Cumberland County borders Kent County, Atlantic County, Cape May County, Gloucester County, Salem County — useful comparisons if you're considering nearby areas with potentially different tax rates.
How Property Taxes Work in New Jersey
Property taxes in New Jersey are administered at the county level. Each county sets a millage rate applied to the assessed value of real property — the effective rate above accounts for any partial assessments and exemptions already built into the local tax base. Assessed value can differ meaningfully from current market value depending on how often the county reassesses and what fraction of market value it uses.
Most counties in New Jersey offer exemptions that reduce the taxable assessed value: homestead exemptions for primary residences, senior exemptions, disability exemptions, and veteran exemptions are common. These reduce your effective rate below the county-wide average shown here. Contact the Cumberland County Assessor's office to learn which exemptions apply to your property and when to file.
Cumberland County vs. Neighboring Counties
| Location | Eff. Rate | Median Home | Annual Tax |
|---|---|---|---|
| Cumberland County, NJ | 2.46% | $205,600 | $5,058 |
| New Jersey state average | 2.21% | — | $4,544* |
| Kent County | 0.46% | $290,600 | $1,331 |
| Atlantic County | 2.47% | $272,700 | $6,749 |
| Cape May County | 1.32% | $395,000 | $5,233 |
| Gloucester County | 2.81% | $283,500 | $7,964 |
| Salem County | 3.03% | $223,000 | $6,757 |
| US national average | 1.10% | $281,900 | $3,101 |
*State average annual tax computed at Cumberland County's median home value of $205,600. Source: US Census ACS 2023 5-year estimates.
Frequently Asked Questions
How does Cumberland County's property tax rate compare to the rest of New Jersey?
At 2.46%, Cumberland County is higher than the New Jersey state average of 2.21%. On a home at the county median of $205,600, that means about $5,058 per year — versus $4,544 at the state average rate, a difference of $514 per year. Compared to the national average of 1.10%, Cumberland County is above average.
What's a typical annual property tax bill in Cumberland County?
For a home at the county median value of $205,600, the annual property tax in Cumberland County is approximately $5,058 — or about $422 per month. For a home worth $308,400, expect around $7,587 per year. For a $411,200 home, approximately $10,116 per year. Use the calculator above to estimate taxes for any assessed value.
Where do I appeal a Cumberland County property tax assessment?
Property assessment appeals in Cumberland County are handled by the Cumberland County Assessor's office. Most jurisdictions require filing within 30–90 days of receiving your assessment notice — confirm the specific deadline with the assessor's office before submitting, as deadlines and procedures vary by county. A successful appeal can reduce your assessed value and lower your tax bill for the current and future tax years.
What exemptions are available in Cumberland County?
New Jersey counties commonly offer homestead exemptions for owner-occupied primary residences, senior citizen exemptions for qualifying homeowners aged 65 and older, exemptions for disabled residents, and veterans' exemptions. Each exemption reduces your assessed taxable value, which in turn reduces your effective tax rate below the county-wide 2.46% shown here. Contact the Cumberland County Assessor's office to confirm which exemptions are available and the application deadlines.
Data sources: US Census Bureau ACS 2023 5-Year Estimates, US Census Gazetteer (2024), County Adjacency File