Harpswell, Cumberland County, Maine Property Taxes

Name: Property Tax Bills Across Harpswell, Cumberland County, Maine
Creator: Ownwell
License: https://creativecommons.org/licenses/by-nc/4.0/

Median Harpswell, ME effective property tax rate: 0.59%, significantly lower than the national median of 1.02%, but lower than the Maine state median of 1.57%.
Median Harpswell, ME home value: $421,500
Median annual Harpswell, ME tax bill: $2,487, $87 higher than the national median property tax bill of $2,400.

How are property taxes in Cumberland calculated?

Property taxes in Harpswell, ME 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.

Understanding Harpswell’s property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Harpswell, knowing local tax details benefits homeowners and investors.

Last Updated March 1, 2025

Harpswell, Cumberland County, Maine Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

0.59%

Estimate Property Tax Bill

$2,487

$2,308

Ownwell’s Harpswell Property Tax Bill Calculator empowers homeowners, real estate investors, and potential buyers to estimate their annual property taxes in Harpswell with just two data points. By entering your property's estimated assessed value, our calculator applies Harpswell’s median effective tax rate to accurately estimate your property tax bill. Note that your property's assessed value — determined by your county — reflects any exemptions you may have, ensuring a precise calculation for your property tax obligations. This insightful tool helps you understand potential tax liabilities and highlights how Ownwell can assist in reducing property taxes in Cumberland County. For those interested in more localized information, please scroll down to explore city-level trends!

Property Tax Rates Across Harpswell, Cumberland County, Maine

Local government entities set tax rates, which can vary widely within a state. Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate. While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process. Below, you can compare Harpswell’s effective property tax rate to other cities in Maine and the median property tax rates in Maine and the U.S. Harpswell, located in Cumberland County, has a median property tax rate of 0.59%, which is significantly lower than the national median property tax rate of 1.02%. This makes Harpswell an attractive location for property owners seeking tax savings. The uniformity in Harpswell’s tax rate, as indicated by the same rate for both the highest and lowest median tax rates in the region, suggests a stable tax environment. This stability, coupled with the favorable tax rate, positions Harpswell as a competitive choice for potential homeowners looking for a cost-effective living option.

Property Tax Rates Across Harpswell, Cumberland County, Maine

Source: Ownwell

0.59%

1.46%

2.33%

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 Harpswell Tax Rate

0.59%

Median Effective Cumberland County Tax Rate

1.52%

Median Effective Maine Tax Rate

1.57%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Harpswell, Cumberland County, Maine

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
04079	0.59%	0.59%	0.59%	0.59%	0.59%

Source: Ownwell

Property Tax Assessment Values Across Harpswell, Cumberland County, Maine

When examining property taxes in Harpswell, ME, 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 appraisal district 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.

In Cumberland County, assessment notices are sent in the spring each year. They’ll typically reach your mailbox by the middle of April. 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. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Harpswell. For example, the median home price in Harpswell is $421,500, with tax bills ranging significantly across the county. ZIP code 04079 has the highest median home price at $421,500.

Property Tax Assessment Values Across Harpswell, Cumberland County, Maine

Source: Ownwell

$153,100

$402,100

$651,100

Median Harpswell Market Value

$421,500

Median Cumberland County Market Value

$319,900

Median Maine Market Value

$204,200

Median United States Market Value

$235,294

Property Tax Assessment Values Across Harpswell, Cumberland County, Maine

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
04079	$186,000	$279,700	$421,500	$650,400	$950,800

Source: Ownwell

Property Tax Bills Across Harpswell, Cumberland County, Maine

In Harpswell, located in Cumberland County, ME, property tax bills are calculated based on the assessed value of a home and the local tax rate. The median home price in this area is $421,500. Homeowners in Harpswell experience a range of property tax bills, with the 25th percentile at $1,650 and the 75th percentile at $3,837, while the 90th percentile reaches $5,610. The median tax bill in the 04079 zip code is $2,487, slightly above the national median of $2,400, reflecting the local economic conditions and municipal needs. Factors influencing these bills include property size, location, and market trends. High property taxes can significantly impact homeowners, making it crucial to explore ways to reduce them. Ownwell assists homeowners by providing property tax appeal and exemption services, identifying opportunities for savings. Through expert analysis and tailored strategies, Ownwell helps ensure homeowners pay only their fair share, potentially lowering their tax burden and increasing financial peace of mind.

Property Tax Bills Across Harpswell, Cumberland County, Maine

Source: Ownwell

$1,920

$6,426

$10,931

Median Harpswell Tax Bill

$2,487

Median Cumberland County Tax Bill

$4,856

Median Maine Tax Bill

$3,200

Median United States Tax Bill

$2,400

Property Tax Bills Across Harpswell, Cumberland County, Maine

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
04079	$1,097	$1,650	$2,487	$3,837	$5,610

Source: Ownwell

Don't miss the deadline to appeal!

Dates

Links
Cumberland Tax Assessor
Website	gis.vgsi.com