Cumberland County, Illinois Property Taxes
Property Taxes in Cumberland County, Illinois
Median Cumberland County effective property tax rate: 1.98%, significantly higher than the national median of 1.02%.
Median Cumberland County home value: $105,876
Median annual Cumberland County tax bill: $2,239, lower than the national median property tax bill of $2,400.
How are property taxes in Cumberland County calculated?
Property taxes in Cumberland County 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.
Why does the county’s tax rate matter? A higher effective property tax rate can increase what homeowners owe each year, even when the home’s market value is modest. How do exemptions help? They can reduce the assessed value and lower the tax bill. What should homeowners watch for? Local assessment changes and missed exemptions can affect savings.
Understanding Cumberland County’s property tax system, exemptions, and reduction opportunities can lead to significant savings. Whether you live in Cumberland County or another part of the county, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Cumberland County, Illinois Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.98%
Estimate Property Tax Bill
$2,096
$1,945
How Does the Cumberland County Property Tax Calculator Work?
Use this Cumberland County property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Cumberland County's median effective tax rate of 1.98% to generate your estimate.
Enter your property's estimated assessed value — the figure used for tax purposes, which is typically lower than market value after applicable exemptions. Our calculator uses the median effective rate for a more accurate estimate than the statutory millage rate alone.
Your actual bill may vary based on your specific exemptions, local school district levies, and any special assessment districts that apply to your property. Cumberland County's median property tax bill is $2,239, which is $161 lower than the state median tax bill of $2,400 even though the county tax rate is higher than the Illinois median tax rate of 2.33%.
For a more precise estimate, scroll down to explore city and ZIP code-level tax rate trends across Cumberland County.
Property Tax Rates Across Cumberland County, Illinois
What Are Effective Property Tax Rates Across Cumberland County?
Local government entities set tax rates, which vary widely across Cumberland County. Each year, the county estimates its budget for public services and divides that total by the assessed value of all taxable property within its jurisdiction.
Below, compare Cumberland County's effective property tax rate to other counties in Illinois or the U.S. median of 1.02%.
Cumberland County's median effective rate stands at 1.98%, which is higher than the national median of 1.02%. Within Cumberland County, the highest rate is found in Lerna at 2.33%, while Montrose has the lowest at 1.81%.
These variations reflect differences in local school district levies, Special service areas (SSAs) assessments, and special district bonds — which compound the base county rate.
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 County Tax Rate
1.98%
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 Illinois Tax Rate
2.33%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Cumberland County, Illinois
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Jewett | 1.44% | 1.67% | 1.96% | 2.15% | 2.57% |
| Lerna | 0.90% | 1.67% | 2.33% | 2.82% | 3.51% |
| Montrose | 1.12% | 1.62% | 1.81% | 2.00% | 2.33% |
| Neoga | 1.25% | 1.73% | 1.98% | 2.20% | 2.54% |
| Sigel | 1.24% | 1.62% | 1.83% | 2.01% | 2.29% |
| Teutopolis | 1.59% | 1.76% | 1.86% | 1.93% | 2.12% |
| Toledo | 1.25% | 1.59% | 1.97% | 2.34% | 2.72% |
| Trilla | 1.55% | 1.79% | 2.15% | 2.50% | 2.69% |
| Casey | N/A | N/A | N/A | N/A | N/A |
| Charleston | N/A | N/A | N/A | N/A | N/A |
| Greenup | N/A | N/A | N/A | N/A | N/A |
| Mattoon | N/A | N/A | N/A | N/A | N/A |
| Yale | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Assessment Values Across Cumberland County, Illinois
When examining property taxes in Cumberland County, 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 authority 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 tax 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:
In Cumberland County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of May.
Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. The median tax bill in Cumberland County is $2,239, compared with the national median property tax bill of $2,400 and the national median property tax rate of 1.02%. Tax bills range significantly across the county, from $1,183 at the 25th percentile to $3,667 at the 75th percentile and $5,001 at the 90th percentile. Teutopolis has the highest median home price at $189,705.
Property Tax Assessment Values Across Cumberland County, Illinois
Source: Ownwell
$88,252
$138,979
$189,705
Median Cumberland County Market Value
$105,876
Median Illinois Market Value
$227,888
Median United States Market Value
$235,294
Property Tax Assessment Values Across Cumberland County, Illinois
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Jewett | $19,729 | $45,381 | $97,548 | $148,689 | $193,590 |
| Lerna | $14,122 | $47,875 | $88,252 | $135,658 | $188,042 |
| Montrose | $15,626 | $60,481 | $120,472 | $176,908 | $228,574 |
| Neoga | $17,830 | $50,121 | $124,788 | $181,572 | $264,942 |
| Sigel | $2,859 | $82,011 | $133,239 | $223,383 | $291,003 |
| Teutopolis | $12,586 | $145,255 | $189,705 | $272,974 | $304,231 |
| Toledo | $24,856 | $66,412 | $120,840 | $176,936 | $238,729 |
| Trilla | $49,268 | $87,783 | $122,631 | $166,018 | $253,718 |
| Casey | N/A | N/A | N/A | N/A | N/A |
| Charleston | N/A | N/A | N/A | N/A | N/A |
| Greenup | N/A | N/A | N/A | N/A | N/A |
| Mattoon | N/A | N/A | N/A | N/A | N/A |
| Yale | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across Cumberland County, Illinois
How are property tax bills calculated in Cumberland County, Illinois?
Property tax bills in Cumberland County are based on a home’s assessed value, which is then multiplied by the local tax rate. That means the market value of a property is only part of the picture; the final bill also depends on how local taxing authorities set rates for schools, county services, and other public needs. For a county with a median home price of $105,876, the tax burden can still vary widely from one homeowner to another.
What affects the amount a homeowner pays?
Location matters, and so do differences in assessed value and local levies. In Cumberland County, the 25th percentile tax bill is $1,183, while the 75th percentile is $3,667 and the 90th percentile reaches $5,001. The highest median tax bill is $3,419 in Teutopolis, compared with $2,108 in Lerna. These differences show how property taxes can affect affordability and monthly housing costs, even among homes in the same county.
Median Cumberland County Tax Bill
$2,239
Median Illinois Tax Bill
$5,277
Median United States Tax Bill
$2,400
Property Tax Bills Across Cumberland County, Illinois
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Jewett | $604 | $1,148 | $2,229 | $3,224 | $3,688 |
| Lerna | $526 | $1,242 | $2,108 | $3,751 | $4,709 |
| Montrose | $750 | $1,200 | $2,174 | $3,525 | $4,627 |
| Neoga | $508 | $1,217 | $2,411 | $4,052 | $5,383 |
| Sigel | $762 | $1,451 | $2,807 | $4,547 | $5,979 |
| Teutopolis | $2,436 | $2,921 | $3,419 | $4,879 | $6,340 |
| Toledo | $516 | $1,103 | $2,364 | $4,070 | $5,033 |
| Trilla | $1,333 | $1,982 | $2,899 | $3,876 | $4,880 |
| Casey | N/A | N/A | N/A | N/A | N/A |
| Charleston | N/A | N/A | N/A | N/A | N/A |
| Greenup | N/A | N/A | N/A | N/A | N/A |
| Mattoon | N/A | N/A | N/A | N/A | N/A |
| Yale | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | July 1 |
Links | |
|---|---|
| Cumberland Tax Assessor | |
| Website | cumberlandil.devnetwedge.com |