Cumberland County, New Jersey property tax
The median homeowner in Cumberland County, New Jersey pays $5,048 a year in property tax on a home worth $205,600, an effective rate of 2.46%. The national effective rate is 0.98%.
What the rate means here
At 2.46%, Cumberland County taxes property more heavily than the country as a whole, which sits at 0.98%. That combination is the usual one. Houses here are worth $205,600 against a national $303,400, and a smaller tax base has to be taxed at a higher percentage to fund the same schools and roads. Whether the state also leans on property tax by choice, as several do in place of an income tax, is a separate question the rate alone cannot answer.
It ranks #8 of 21 New Jersey counties by effective rate, against a statewide 2.23%, and #28 nationally. The state runs from 3.08% in Camden County down to 1.32% in Cape May County.
The median home costs 3.19 times the median household income of $64,499, close to the national 3.86. Incomes run below the national median, and house prices run below it too, which is what keeps the ratio ordinary. The county has 152,915 residents, which is small enough that the medians describe a reasonably coherent market.
The rate is derived rather than quoted. How and why.
What that costs at different home values
Arithmetic at the county effective rate, before any exemption or assessment cap.
Housing and income
| Cumberland County | New Jersey | United States | |
|---|---|---|---|
| Effective property tax | 2.46% | 2.23% | 0.98% |
| Median tax bill | $5,048 | $9,541 | $2,969 |
| Median home value | $205,600 | $427,600 | $303,400 |
| Median gross rent | $1,254 | $1,653 | $1,348 |
| Median household income | $64,499 | $101,050 | $78,538 |
| Home price to income | 3.19× | 4.23× | 3.86× |
| Rent as share of income | 23.33% | 19.63% | 20.6% |
| Owner-occupied | 65.55% | 63.69% | 65.02% |
Source: U.S. Census Bureau, American Community Survey 2023 five-year estimates. Population 152,915.
Nearby counties of similar size
| County | Rate | Median bill | Home value |
|---|---|---|---|
| Sussex County | 2.47% | $8,462 | $342,800 |
| Hunterdon County | 2.01% | $10,001 | $498,800 |
| Warren County | 2.52% | $8,156 | $323,100 |
| Cape May County | 1.32% | $5,233 | $395,000 |
| Salem County | 3.03% | $6,757 | $223,000 |
Cumberland County property tax: common questions
What is the property tax rate in Cumberland County, New Jersey?
The effective rate is 2.46% of home value, from a median tax bill of $5,048 against a median home value of $205,600. That is 1.48 points above the national 0.98%.
How much is property tax on a $400,000 home in Cumberland County?
Roughly $9,840 a year at the county effective rate of 2.46%.
Is Cumberland County expensive compared with the rest of New Jersey?
It ranks #8 of 21 New Jersey counties by effective property tax rate, and #28 of 2,826 nationally. That is 0.23 points above the New Jersey average of 2.23%.
What does housing cost in Cumberland County?
The median home is worth $205,600 and median gross rent is $1,254 a month. Median household income is $64,499, which puts the home at 3.19 times annual income and rent at 23.33% of it.