Scarborough, Cumberland County, Maine Property Taxes
Property Taxes in Scarborough, Maine
Median Scarborough, Maine effective property tax rate: 1.09%, significantly lower than the national median of 1.02%, and lower than the Maine state median of 1.47%.
Median Scarborough, Maine home value: $583,900
Median annual Scarborough, Maine tax bill: $6,380, higher than the national median property tax bill of $2,400.
How are property taxes in Cumberland calculated?
Property taxes in Scarborough, 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 Scarborough's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Scarborough, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Scarborough, Cumberland County, Maine Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.09%
Estimate Property Tax Bill
$6,365
$5,906
How Does the Scarborough Property Tax Calculator Work?
Use this Scarborough property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Scarborough's median effective tax rate of 1.09% — based on actual property records in Cumberland County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessor uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Scarborough's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Scarborough's median effective tax rate is lower than Maine's 1.47% state median, but the median tax bill is $6,380, which is $3,980 higher than the state median bill.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Scarborough.
About Scarborough Property Taxes
About Property Taxes in Scarborough, Cumberland, Maine
Scarborough's median effective property tax rate of 1.09% is lower 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 Scarborough. Homeowners in the 04074 ZIP code carry a median effective rate of 1.09%, while those in the same ZIP also pay 1.09%. This reflects how school district boundaries and local assessment districts are drawn across Cumberland County. Understanding which part of Scarborough you live in can make a meaningful difference to your annual tax bill.
Scarborough homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before the January 23, 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 Scarborough, 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 Scarborough'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 Scarborough Tax Rate
1.09%
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 Scarborough, Cumberland County, Maine
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 04074 | 1.09% | 1.09% | 1.09% | 1.09% | 1.09% |
Source: Ownwell
Property Tax Assessment Values Across Scarborough, Cumberland County, Maine
When examining property taxes in Scarborough, 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 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.
Assessment notices in Cumberland County are sent in the spring each year and typically reach your mailbox by the middle of June. 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.
For example, the median home price in Scarborough is $583,900, with a median tax bill of $6,380. The 25th percentile tax bill is $4,597, the 75th percentile is $8,196, and the 90th percentile is $11,146. Zip code 04074 has the highest median home price at $583,900.
Property Tax Assessment Values Across Scarborough, Cumberland County, Maine
Source: Ownwell
$155,256
$515,378
$875,500
Median Scarborough Market Value
$583,900
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 Scarborough, Cumberland County, Maine
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 04074 | $325,000 | $420,300 | $583,900 | $749,900 | $1,019,800 |
Source: Ownwell
Property Tax Bills Across Scarborough, Cumberland County, Maine
Scarborough property tax bills are calculated by multiplying a home’s assessed value by the local tax rate set for Cumberland County and the city. The assessed value is based on the market value of the property, and local officials use that value to determine how much tax a homeowner owes each year.
Several factors can affect the final bill, including the home’s location, condition, and any changes in market value. For homeowners in Scarborough, the median home price is $583,900, and the median property tax bill is $6,380. That is well above the national median property tax bill of $2,400 and reflects a higher-than-average local tax burden.
Property tax bills in Scarborough can vary widely. The 25th percentile tax bill is $4,597, while the 75th percentile is $8,196 and the 90th percentile reaches $11,146. For homeowners, this means property taxes can have a significant impact on annual housing costs.
Median Scarborough Tax Bill
$6,380
Median Cumberland County Tax Bill
$5,457
Median Maine Tax Bill
$3,569
Median United States Tax Bill
$2,400
Property Tax Bills Across Scarborough, Cumberland County, Maine
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 04074 | $3,553 | $4,597 | $6,380 | $8,196 | $11,146 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | January 23 |
Links | |
|---|---|
| Cumberland Tax Assessor | |
| Website | gis.vgsi.com |