Cumberland County, Tennessee property tax
The median homeowner in Cumberland County, Tennessee pays $699 a year in property tax on a home worth $228,000, an effective rate of 0.31%. The national effective rate is 0.98%.
What the rate means here
At 0.31%, Cumberland County taxes property more lightly than the national 0.98%. With a median home at $228,000, that produces a bill of $699. Somebody still funds the schools, so it is worth knowing what a low-tax county collects instead.
Inside Tennessee it is among the lightest, ranking #95 of 95, against a statewide 0.55%. Shelby County, in the same state, charges 1.03%. Comparing states on property tax hides differences like that, which is why this site publishes counties.
The median home costs 3.9 times the median household income of $58,475, 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. With 62,529 residents, the sample behind these medians is small, and the survey's own margins of error are correspondingly wider.
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 | Tennessee | United States | |
|---|---|---|---|
| Effective property tax | 0.31% | 0.55% | 0.98% |
| Median tax bill | $699 | $1,400 | $2,969 |
| Median home value | $228,000 | $256,800 | $303,400 |
| Median gross rent | $829 | $1,122 | $1,348 |
| Median household income | $58,475 | $67,097 | $78,538 |
| Home price to income | 3.9× | 3.83× | 3.86× |
| Rent as share of income | 17.01% | 20.07% | 20.6% |
| Owner-occupied | 80.24% | 67.03% | 65.02% |
Source: U.S. Census Bureau, American Community Survey 2023 five-year estimates. Population 62,529.
Nearby counties of similar size
| County | Rate | Median bill | Home value |
|---|---|---|---|
| Tipton County | 0.53% | $1,158 | $220,100 |
| Hamblen County | 0.46% | $863 | $188,800 |
| Coffee County | 0.61% | $1,378 | $227,300 |
| Hawkins County | 0.56% | $940 | $166,900 |
| Loudon County | 0.40% | $1,163 | $292,600 |
Cumberland County property tax: common questions
What is the property tax rate in Cumberland County, Tennessee?
The effective rate is 0.31% of home value, from a median tax bill of $699 against a median home value of $228,000. That is 0.67 points below the national 0.98%.
How much is property tax on a $400,000 home in Cumberland County?
Roughly $1,240 a year at the county effective rate of 0.31%.
Is Cumberland County expensive compared with the rest of Tennessee?
It ranks #95 of 95 Tennessee counties by effective property tax rate, and #2773 of 2,826 nationally. That is 0.24 points below the Tennessee average of 0.55%.
What does housing cost in Cumberland County?
The median home is worth $228,000 and median gross rent is $829 a month. Median household income is $58,475, which puts the home at 3.9 times annual income and rent at 17.01% of it.