Cumberland County New Jersey property tax calculator helps homeowners estimate taxes using local municipal, county, and school rates. Cumberland County (New Jersey) maintains one of the lowest average property tax burdens, with an average tax bill around $5,114 in 2025, below the state average. Because each municipality like Vineland, Bridgeton, and Millville sets different tax rates based on property assessments, an accurate calculator clearly provides reliable, location-specific property tax estimates.
Cumberland County Tax Estimator (2025 Rates)
Estimator uses the 2025 Cumberland County total property tax rates per municipality (NJ Taxation public data).
Cumberland County (New Jersey) Property Tax Due Dates – 2026
Cumberland County property taxes are paid quarterly based on local municipal billing schedules. Homeowners must follow official 2026 due dates and use the standard 10-day grace period to avoid late penalties or interest charges.
| Quarter | Tax Due Date (2026) | Grace Period Ends* |
|---|---|---|
| 1st Quarter | February 1, 2026 | February 10, 2026 |
| 2nd Quarter | May 1, 2026 | May 11, 2026 |
| 3rd Quarter | August 1, 2026 | August 10, 2026 |
| 4th Quarter | November 1, 2026 | November 10, 2026 |
*If the 10th falls on a weekend/holiday, payment is accepted the next business day. Payments must be received by the tax collector — postmarks are not accepted.
Late Payment Penalties in Cumberland County
Late property tax payments in Cumberland County (New Jersey) accrue interest up to 8% annually on the first $1,500 owed and 18% on balances above $1,500. Delinquencies exceeding $10,000 may incur an extra 6% year-end penalty. Unpaid prior-year taxes can lead to a tax lien sale, placing the property at financial risk if obligations remain outstanding.
Cumberland County (New Jersey) Property Tax Calculator – How It Works
Our Cumberland County property tax calculator estimates annual taxes using your property’s market value, selected municipality, property type, and local effective tax rates, giving homeowners a quick, realistic tax projection.
Enter Appraised / Market Value
Start by entering your property’s current appraised or market value; the estimated price your home could sell for. For example, if your Vineland home is worth $100,000, the calculator uses this figure as the base before applying Cumberland County municipal, school, and county tax rates to estimate your yearly property taxes.
Choose Municipality & Property Type
Select your municipality such as Bridgeton, Millville, or Vineland because local tax rates vary across Cumberland County. Then choose residential, agricultural, commercial, or industrial property type. Each classification may carry different effective tax rates, directly impacting the total estimated tax amount calculated for your property within the county.
Assessed Value & Credits Explained
In Cumberland County, taxes are calculated on assessed value, which is derived from market value after local assessment ratios are applied by municipal assessors. For example, a $100,000 market value may have a different assessed value depending on local standards. Optional credits like owner-occupancy can slightly reduce the final estimated tax bill.
Cumberland County (New Jersey) – 5-Year Property Tax Rate Trends by District
Understanding 5 years tax rate trends helps homeowners analyze how municipal, school, and county taxes changed across Cumberland County districts. The tables below summarize total tax rates, county portions, school portions, municipal taxes, and assessment ratios to help compare local property tax burdens and long-term financial patterns between cities, boroughs, and townships.
Bridgeton City 01 – Fairfield Township 05 (5-Year Tax Rate Overview)
These Cumberland County municipalities show varied tax structures based on school funding and local municipal services. Reviewing 2018–2022 tax data helps homeowners compare effective tax rates, ratios, and long-term property tax trends across southern county communities.
| District | Year | Total Rate | Total County | Total School | Total Munic | Ratio |
|---|---|---|---|---|---|---|
| Bridgeton City | 2022 | 5.028 | 1.391 | 0.752 | 3.637 | 85.88 |
| Bridgeton City | 2021 | 5.017 | 1.373 | 0.762 | 3.644 | 92.27 |
| Bridgeton City | 2020 | 4.984 | 1.405 | 0.766 | 3.579 | 90.52 |
| Bridgeton City | 2019 | 4.871 | 1.353 | 0.767 | 3.518 | 89.96 |
| Bridgeton City | 2018 | 4.657 | 1.230 | 0.762 | 3.427 | 97.72 |
| Commercial Twp | 2022 | 2.558 | 1.092 | 0.849 | 1.466 | 107.52 |
| Commercial Twp | 2021 | 2.519 | 1.101 | 0.831 | 1.418 | 111.77 |
| Commercial Twp | 2020 | 2.460 | 1.085 | 0.808 | 1.375 | 114.09 |
| Commercial Twp | 2019 | 2.280 | 0.953 | 0.759 | 1.327 | 125.60 |
| Commercial Twp | 2018 | 2.302 | 1.003 | 0.732 | 1.299 | 117.40 |
| Deerfield Twp | 2022 | 3.854 | 1.395 | 2.370 | 2.459 | 84.33 |
| Deerfield Twp | 2021 | 3.760 | 1.317 | 2.353 | 2.443 | 94.35 |
| Deerfield Twp | 2020 | 3.731 | 1.318 | 2.323 | 2.413 | 94.67 |
| Deerfield Twp | 2019 | 3.573 | 1.260 | 2.223 | 2.313 | 95.53 |
| Deerfield Twp | 2018 | 3.397 | 1.202 | 2.105 | 2.195 | 97.84 |
| Downe Twp | 2022 | 2.374 | 1.032 | 1.010 | 1.342 | 114.11 |
| Downe Twp | 2021 | 2.253 | 0.989 | 0.941 | 1.264 | 125.29 |
| Downe Twp | 2020 | 2.222 | 0.997 | 0.921 | 1.225 | 124.83 |
| Downe Twp | 2019 | 2.186 | 1.007 | 0.892 | 1.179 | 119.48 |
| Downe Twp | 2018 | 2.229 | 1.081 | 0.862 | 1.148 | 109.33 |
| Fairfield Twp | 2022 | 2.750 | 1.135 | 1.176 | 1.615 | 103.44 |
| Fairfield Twp | 2021 | 2.674 | 1.111 | 1.124 | 1.563 | 111.46 |
| Fairfield Twp | 2020 | 2.605 | 1.135 | 1.031 | 1.470 | 109.75 |
| Fairfield Twp | 2019 | 2.493 | 1.051 | 1.002 | 1.442 | 114.35 |
| Fairfield Twp | 2018 | 2.490 | 1.037 | 1.023 | 1.453 | 113.18 |
Greenwich Township 06 – Millville City 10 (5-Year Tax Rate Overview)
These districts highlight moderate tax ranges influenced by regional school funding and municipal budgets. Comparing five-year effective tax trends helps property owners understand how assessment ratios and local rates changed between townships and larger Cumberland County cities.
| District | Year | Total Rate | Total County | Total School | Total Munic | Ratio |
|---|---|---|---|---|---|---|
| Greenwich Twp | 2022 | 3.659 | 1.181 | 2.029 | 2.478 | 99.93 |
| Greenwich Twp | 2021 | 3.535 | 1.160 | 1.933 | 2.375 | 107.37 |
| Greenwich Twp | 2020 | 3.588 | 1.209 | 1.943 | 2.379 | 103.45 |
| Greenwich Twp | 2019 | 3.545 | 1.231 | 1.896 | 2.314 | 97.76 |
| Greenwich Twp | 2018 | 3.460 | 1.200 | 1.844 | 2.260 | 98.95 |
| Hopewell Twp | 2022 | 3.304 | 1.245 | 1.741 | 2.059 | 94.25 |
| Hopewell Twp | 2021 | 3.366 | 1.336 | 1.723 | 2.030 | 92.94 |
| Hopewell Twp | 2020 | 3.402 | 1.354 | 1.751 | 2.048 | 91.92 |
| Hopewell Twp | 2019 | 3.352 | 1.339 | 1.732 | 2.013 | 90.07 |
| Lawrence Twp | 2022 | 2.939 | 1.198 | 1.177 | 1.741 | 98.27 |
| Lawrence Twp | 2021 | 2.926 | 1.209 | 1.166 | 1.717 | 102.77 |
| Lawrence Twp | 2020 | 2.885 | 1.215 | 1.139 | 1.670 | 102.53 |
| Lawrence Twp | 2019 | 2.815 | 1.180 | 1.114 | 1.635 | 102.04 |
| Lawrence Twp | 2018 | 2.696 | 1.145 | 1.062 | 1.551 | 103.43 |
| Maurice River Twp | 2022 | 2.748 | 1.206 | 1.099 | 1.542 | 97.69 |
| Maurice River Twp | 2021 | 2.695 | 1.147 | 1.106 | 1.548 | 106.81 |
| Maurice River Twp | 2020 | 2.700 | 1.183 | 1.075 | 1.517 | 105.41 |
| Maurice River Twp | 2019 | 2.638 | 1.140 | 1.056 | 1.498 | 105.82 |
| Maurice River Twp | 2018 | 2.576 | 1.099 | 1.031 | 1.477 | 107.60 |
| Millville City | 2022 | 3.791 | 1.413 | 0.993 | 2.378 | 83.36 |
| Millville City | 2021 | 3.668 | 1.337 | 0.945 | 2.331 | 92.98 |
| Millville City | 2020 | 3.607 | 1.338 | 0.903 | 2.269 | 93.07 |
| Millville City | 2019 | 3.440 | 1.260 | 0.867 | 2.180 | 94.27 |
| Millville City | 2018 | 3.369 | 1.272 | 0.830 | 2.097 | 92.79 |
Shiloh Boro 11 – Vineland City 14 (5-Year Tax Rate Overview)
The following Cumberland County municipalities include boroughs, rural townships, and major cities. Reviewing 2018–2022 property tax rates helps users evaluate assessment ratios, school funding impacts, and overall tax burdens across northern and central county communities.
| District | Year | Total Rate | Total County | Total School | Total Munic | Ratio |
|---|---|---|---|---|---|---|
| Shiloh Boro | 2022 | 3.383 | 1.378 | 1.680 | 2.005 | 85.31 |
| Shiloh Boro | 2021 | 3.187 | 1.301 | 1.561 | 1.886 | 95.41 |
| Shiloh Boro | 2020 | 3.092 | 1.253 | 1.519 | 1.839 | 99.20 |
| Shiloh Boro | 2019 | 2.842 | 1.177 | 1.345 | 1.665 | 102.48 |
| Shiloh Boro | 2018 | 2.710 | 1.132 | 1.259 | 1.578 | 104.60 |
| Stow Creek Twp | 2022 | 3.388 | 1.338 | 1.840 | 2.050 | 88.08 |
| Stow Creek Twp | 2021 | 3.328 | 1.384 | 1.734 | 1.944 | 89.82 |
| Stow Creek Twp | 2020 | 3.226 | 1.322 | 1.694 | 1.904 | 94.45 |
| Stow Creek Twp | 2019 | 3.176 | 1.320 | 1.647 | 1.856 | 91.38 |
| Stow Creek Twp | 2018 | 3.210 | 1.308 | 1.694 | 1.902 | 90.52 |
| Upper Deerfield Twp | 2022 | 3.327 | 1.271 | 1.880 | 2.056 | 91.75 |
| Upper Deerfield Twp | 2021 | 3.334 | 1.253 | 1.905 | 2.081 | 98.92 |
| Upper Deerfield Twp | 2020 | 3.221 | 1.216 | 1.839 | 2.005 | 102.72 |
| Upper Deerfield Twp | 2019 | 3.125 | 1.202 | 1.768 | 1.923 | 100.29 |
| Upper Deerfield Twp | 2018 | 3.028 | 1.146 | 1.731 | 1.882 | 103.88 |
| Vineland City | 2022 | 3.069 | 1.252 | 0.721 | 1.817 | 90.47 |
| Vineland City | 2021 | 3.013 | 1.247 | 0.698 | 1.766 | 95.96 |
| Vineland City | 2020 | 2.927 | 1.235 | 0.671 | 1.692 | 97.24 |
| Vineland City | 2019 | 2.887 | 1.236 | 0.644 | 1.651 | 93.71 |
| Vineland City | 2018 | 2.811 | 1.206 | 0.622 | 1.605 | 93.43 |
Cumberland County Board of Taxation 2025 to 2026
Conclusion
We covered Cumberland County property taxes, calculator usage, due dates, penalties, and five-year tax rate trends across municipalities. With lower average tax bills than most New Jersey counties, understanding local rates, assessed values, and quarterly deadlines helps homeowners plan smarter. Use our Cumberland County New Jersey property tax calculator and data tables to compare districts, estimate yearly taxes, avoid penalties, and make informed property decisions with confidence and financial clarity.
FAQs
What is the average property tax in Cumberland County (New Jersey)?
Cumberland County typically has one of the lowest property tax burdens in New Jersey. The average property tax bill is around $5,114, but actual taxes vary by municipality, assessed value, and local school or county budget requirements.
How does the Cumberland County property tax calculator work?
The calculator estimates taxes using your property’s market value, municipality, property type, and local effective tax rate. It combines municipal, county, and school tax portions to provide a realistic annual property tax estimate.
When are Cumberland County property taxes due?
Property taxes are paid quarterly on February 1, May 1, August 1, and November 1. A 10-day grace period usually applies, but payments must be received by the tax collector within the allowed timeframe.
What happens if I pay my property taxes late?
Late payments may incur interest charges up to 8% on smaller balances and 18% on higher delinquencies. Large unpaid balances can receive additional penalties, and long-term unpaid taxes may result in a tax lien sale.
Why do property tax rates differ between municipalities?
Each Cumberland County municipality sets its own local tax rate based on budgets, school funding, and public services. Because of these differences, cities like Vineland, Bridgeton, and Millville can have varying total effective property tax rates.