Portland, Cumberland County, Maine Property Taxes
Property Taxes in Portland, Maine
Median Portland, Maine effective property tax rate: 1.50%, significantly higher than the national median of 1.02%, and higher than the Maine state median of 1.47%.
Median Portland, Maine home value: $392,100
Median annual Portland, Maine tax bill: $5,885, $3,485 higher than the national median property tax bill of $2,400.
How are property taxes in Cumberland calculated?
Property taxes in Portland, Maine 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 Portland's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Portland, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Portland, Cumberland County, Maine Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.5%
Estimate Property Tax Bill
$5,882
$5,458
How Does the Portland Property Tax Calculator Work?
Use this Portland property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Portland's median effective tax rate of 1.50% — based on actual property records in Cumberland County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Portland's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Portland: rates range from $5,576 in 04103 to $9,256 in 04109, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Portland.
About Portland Property Taxes
About Property Taxes in Portland, Cumberland, Maine
Portland’s median effective property tax rate of 1.50% is higher than the Maine state median of 1.47% and higher than the national median of 1.02%. This rate reflects the Cumberland County base levy combined with local school district levies and special assessment districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Portland. Homeowners in the 04101 ZIP code carry a median effective rate of 1.50%, while those in 04109 pay 1.50%. Even when the rate is the same, tax bills can differ sharply: the median bill in 04109 is $9,256, compared with $5,576 in 04103. That spread reflects how assessed values and local districts are drawn across Cumberland County.
Portland homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before the March 30, 2026 deadline each year.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Portland, Cumberland County, Maine
As noted earlier, 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 Portland's effective property tax rate to other cities in Maine and the median property tax rates in Maine and the U.S.
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 Portland Tax Rate
1.50%
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
1.47%
Median Effective Maine Tax Rate
1.47%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Portland, Cumberland County, Maine
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 04101 | 1.50% | 1.50% | 1.50% | 1.50% | 1.50% |
| 04102 | 1.50% | 1.50% | 1.50% | 1.50% | 1.50% |
| 04103 | 1.50% | 1.50% | 1.50% | 1.50% | 1.50% |
| 04109 | 1.50% | 1.50% | 1.50% | 1.50% | 1.50% |
Source: Ownwell
Property Tax Assessment Values Across Portland, Cumberland County, Maine
When examining property taxes in Portland, Maine, 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 assessor 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. 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 Portland.
For example, the median home price in Portland is $392,100, with tax bills ranging significantly across the county. 04109 has the highest median home price at $616,600.
Property Tax Assessment Values Across Portland, Cumberland County, Maine
Source: Ownwell
$155,256
$515,378
$875,500
Median Portland Market Value
$392,100
Median Cumberland County Market Value
$387,100
Median Maine Market Value
$242,800
Median United States Market Value
$235,294
Property Tax Assessment Values Across Portland, Cumberland County, Maine
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 04101 | $271,900 | $362,700 | $488,000 | $690,100 | $868,100 |
| 04102 | $257,600 | $319,300 | $390,900 | $523,700 | $713,930 |
| 04103 | $262,200 | $305,700 | $371,500 | $467,000 | $580,150 |
| 04109 | $293,650 | $401,150 | $616,600 | $810,750 | $1,103,750 |
Source: Ownwell
Property Tax Bills Across Portland, Cumberland County, Maine
Property tax bills in Portland are calculated by applying the local tax rate to a home’s assessed value, which is based on the market value of the property. For homeowners, that means the amount owed depends on both the value of the home and the tax rate set by local taxing authorities.
With a median home price of $392,100, Portland homeowners often face bills that are well above the national median property tax bill of $2,400. The 25th percentile tax bill is $4,733, while the 75th percentile reaches $7,799. For higher-value properties, the 90th percentile climbs to $10,321.
These differences show how property taxes can vary widely across the city and even within the same county. A higher assessed value usually leads to a larger tax bill, which can have a significant impact on monthly housing costs and long-term affordability for homeowners.
Median Portland Tax Bill
$5,885
Median Cumberland County Tax Bill
$5,457
Median Maine Tax Bill
$3,569
Median United States Tax Bill
$2,400
Property Tax Bills Across Portland, Cumberland County, Maine
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 04101 | $4,081 | $5,444 | $7,325 | $10,358 | $13,030 |
| 04102 | $3,867 | $4,793 | $5,867 | $7,860 | $10,718 |
| 04103 | $3,936 | $4,589 | $5,576 | $7,010 | $8,708 |
| 04109 | $4,408 | $6,021 | $9,256 | $12,170 | $16,568 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | January 23 |
Links | |
|---|---|
| Cumberland Tax Assessor | |
| Website | gis.vgsi.com |