What a Cumberland home costs each year
Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.
Suggestions as you type come from Google; the lookup uses free public map services to find who serves it. Not stored unless you save your house.
Starts at the typical market value, $123,200; your assessed value is often lower. Typical use.
- Property tax$2,453
1.991% of $123,200
- Electricity and gas$3,778
929 kWh a month $1,938 · 78.33 therms $1,840
- Water and sewer$2,176
9 units (CCF) a month on City of Cumberland water: water $73, sewer $108 a month
- Trash$343
Residential collection, $29 a month
- Home insurance$1,186
Typical premium $1,186
A Cumberland house at the typical market value ($123,200) costs about $9,900 a year: $2,450 property tax and charges, $2,180 water and sewer, $340 trash, $3,780 electricity and gas, $1,190 home insurance. Estimated from public rates, not anyone's actual bill.
Rates checked Oct 28, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.
Ways to pay less
Nothing here applies to every house automatically. These are worth checking:
Income under $60,000: apply for the Homeowners' Property Tax Credit
Your combined gross household income cannot exceed $60,000.
How: The deadline to apply is October 1 of each year.
Pay your tax bill in July or August for a 1% discount
Allegany County lists a 1% discount for payments in July and August.
How: Pay the county real estate tax bill.
Who serves this house
- Water
- City of Cumberland water
- Monthly rates for customers inside the city, from July 1, 2026.
- Property tax
- 1.99% of value
- 2026-27 tax year, Cumberland (Allegany County)
- Garbage
- City of Cumberland
- The residential municipal solid waste rate is $28.55 a month.
- Electricity
- Potomac Edison
- Serves customers in Allegany County.
- Gas
- Columbia Gas of Maryland
- Lists Cumberland, MD among its service territories.
Your water
- Source
- The water for the City of Cumberland is surface water from the Lake Koon and Gordon reservoirs in Bedford County, Pennsylvania.
Other MD cities
How these numbers are made
- Property tax = $1.0595 city + $0.8195 county + $0.1120 state per $100 of assessment (SDAT 2026-27 table).
- Water uses the July 1, 2026 inside-city monthly rates: the first 100 cubic feet are covered by the $8.77 charge, then $0.0802, $0.0643 and $0.0507 per cubic foot (the highest tier is applied above 2,000 ccf).
- Sewer = $12.65 ready-to-serve + $5.00 Bay Restoration fee, plus $0.1008 per cubic foot of water use.
- Electric = $0.02287 distribution + $0.01376 EmPOWER + $0.12681 supply + $0.00396 transmission per kWh; gas = $1.237 + $0.50972 per therm.
- Typical use is EIA's Maryland average (929 kWh) and OPC's 940 therms a year for Columbia Gas.
- Nothing here is legal, tax or insurance advice.
How Cumberland compares
A typical Cumberland house against the 1000 cities we cover nationwide, using the same default numbers as the total above.
| Per year | Cumberland | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 1.99% | 1.36% | higher than 712 of the other 982 cities we cover nationwide |
| Water | $875 | $681 | higher than 697 of the other 999 cities we cover nationwide |
| Sewer and utility-bill fees | $1,300 | $692 | higher than 834 of the other 882 cities we cover nationwide |
| Trash | $343 | $336 | higher than 427 of the other 819 cities we cover nationwide |
| Electricity and gas | $3,778 | $2,439 | higher than 948 of the other 999 cities we cover nationwide |
| Home insurance | $1,186 | $1,492 | lower than 686 of the other 766 cities we cover nationwide |
| Total | $9,935 | $10,827 | lower than 596 of the other 999 cities we cover nationwide |
Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.
Questions to ask your candidates
Each one starts from a number above. Any candidate can answer them.
1. Sewer and utility-bill fees
The fact: Sewer and flat utility-bill charges here come to about $1,300 a year, higher than 834 of the other 882 cities we cover nationwide. Some cities bill sewer on the property tax bill instead, which is not counted here.
Ask: "Sewer and flat utility-bill charges here cost about $1,300 a year, higher than 834 of the other 882 cities we cover nationwide. What drives that cost, and would you change anything?"
2. Electricity and gas
The fact: Electricity and gas for a typical house here cost about $3,778 a year, higher than 948 of the other 999 cities we cover nationwide. Rates are set mostly by the utility and the state.
Ask: "Electricity and gas here cost about $3,778 a year for a typical house, higher than 948 of the other 999 cities we cover nationwide. Which parts of that can the city influence, and what would you do about them?"
Common questions about Cumberland house costs
What is the property tax rate in Cumberland?
About 1.99% of the value before exemptions a year (2026-27 tax year, Cumberland (Allegany County)), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Cumberland?
About $9,955 a year on $500,000 of the value before exemptions.
How much is the water bill in Cumberland?
About $181 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on City of Cumberland water.
How much does trash pickup cost in Cumberland?
$29 a month for a house.
How much does a house in Cumberland cost to run each year?
A Cumberland house at the typical market value ($123,200) costs about $9,900 a year: $2,450 property tax and charges, $2,180 water and sewer, $340 trash, $3,780 electricity and gas, $1,190 home insurance. Estimated from public rates, not anyone's actual bill.