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Updated 2025 Tax Year

Cambria County
Property Tax Guide

Everything you need to know about property taxes in Cambria County, PA. Rates, due dates, exemptions, and how it affects your monthly payment.

10 Official Sources
8 min read
Quick Facts
Tax Rate
$0.35 per $100 assessed value (county only), varies by district with school and municipal additions
Exemptions
4+ Available
Section 1

How Property Tax Works

Cambria County, Pennsylvania operates under a property tax system that funds essential local services including schools, municipal operations, and county government functions. Property taxes in Cambria County are assessed based on the fair market value of real estate, with the current tax rate set at $0.35 per $100 of assessed value for county purposes. This rate represents only the county portion, as property owners also pay taxes to their local school districts and municipalities, creating varying total effective rates across different locations within the county.

The actual property tax burden varies significantly depending on your specific location within Cambria County due to different school district rates, municipal taxes, and special taxing districts. Total effective rates typically range from approximately 2% to 3% of assessed value when combining all taxing authorities. Property tax bills are mailed annually around April 1st, covering the tax year that begins January 1st. Property owners should be aware that additional fees may apply to certain transactions, including a $250 fee for properties sold at tax sales beginning April 1, 2025.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
Cambria County$0.35 per $100County government operations and services
School DistrictVaries by districtLocal school district funding (rates vary significantly)
MunicipalVaries by municipalityCity, borough, or township services
Special DistrictsVariesFire districts, library districts, other special assessments
Supplemental Fees$5 per cardCounty supplemental or interim tax billing fee

Note: These rates apply to the 2025 tax year. School district rates vary widely across Cambria County's multiple districts. Municipal rates differ between cities, boroughs, and townships. Special district assessments may apply depending on your property's location within specific service areas.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Cambria County, property taxes are due in two installments:

Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental taxes in Cambria County are triggered by changes in property ownership, new construction, or improvements that increase a property's assessed value during the tax year. When these events occur, the county issues a supplemental tax bill to capture the additional tax revenue for the remaining portion of the tax year. The supplemental tax is calculated by determining the difference between the old and new assessed values, applying the current tax rate, and prorating the amount based on the number of months remaining in the tax year.

For example, if you purchase a newly constructed home in July that was assessed at $400,000 (compared to the vacant land's previous assessment of $50,000), you would owe supplemental taxes on the $350,000 increase in assessed value for the remaining 6 months of the tax year. Additionally, Cambria County charges a $5 fee for each supplemental or interim tax card billed to cover administrative costs.

Example Calculation

Example 1: $300,000 Property

  • Assessed Value: $300,000
  • Homestead Credit Applied: -$18,000 (Act 1 exclusion, if qualified)
  • Net Taxable Value: $282,000
  • Combined Tax Rate: 2.5% (estimated with all districts)
  • Annual Tax: $7,050
  • Monthly Escrow: $587.50

Example 2: $600,000 Property

  • Assessed Value: $600,000
  • Homestead Credit Applied: -$18,000 (Act 1 exclusion, if qualified)
  • Net Taxable Value: $582,000
  • Combined Tax Rate: 2.5% (estimated with all districts)
  • Annual Tax: $14,550
  • Monthly Escrow: $1,212.50

Example 3: $1,000,000 Property

  • Assessed Value: $1,000,000
  • Homestead Credit Applied: -$18,000 (Act 1 exclusion, if qualified)
  • Net Taxable Value: $982,000
  • Combined Tax Rate: 2.5% (estimated with all districts)
  • Annual Tax: $24,550
  • Monthly Escrow: $2,045.83

Note: Homestead and Farmstead exclusions require annual application and are not automatic. Actual combined tax rates vary by location within the county.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Cambria County require borrowers to maintain an escrow account for property tax payments, especially when the loan-to-value ratio exceeds 80%. Your lender will estimate your annual property tax obligation based on current assessments and tax rates, then collect 1/12th of that amount with each monthly mortgage payment. The lender pays your property taxes directly to the county when bills become due.

Since Cambria County mails property tax bills around April 1st annually, lenders typically make payments shortly after receiving the bills. Property owners should verify that their lender has received updated tax information, particularly after reassessments or when moving to a new property. You have the right to request an annual escrow analysis from your lender and can challenge escrow calculations if you believe they're incorrect. If you pay taxes independently, ensure timely payment to avoid penalties and potential tax sale proceedings.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are property taxes due in Cambria County for the current fiscal year? A: Property tax bills are mailed around April 1st each year for the tax year beginning January 1st. While specific due dates aren't clearly established in available documentation, property owners should contact the Cambria County Tax Claim Bureau for exact payment deadlines to avoid penalties.

Q: What homestead tax credits are available and how do I apply? A: Cambria County administers the Homestead and Farmstead Exclusion Program under Act 50 and Act 1, which can reduce your taxable assessed value. These programs require annual application and are not automatic. The exclusion amount varies but can be substantial. Contact the county assessor's office for application forms and deadlines.

Q: How does the homestead credit work? A: The homestead exclusion reduces your property's taxable assessed value by a fixed dollar amount (not your market value). For example, if you qualify for an $18,000 exclusion, this amount is subtracted from your assessed value before calculating taxes. You must apply annually and meet residency requirements.

Q: How often are properties reassessed in Cambria County? A: Pennsylvania counties conduct periodic countywide reassessments, but the schedule varies. Property owners receive notice before reassessment and have appeal rights if they disagree with new valuations. Contact the county assessment office for information about upcoming reassessments.

Q: What are the penalties for late property tax payments? A: Late payment penalties and interest charges apply to delinquent taxes, and properties can eventually be sold at tax sales for unpaid taxes. Beginning April 1, 2025, a $250 fee will be added to all properties sold at tax sales.

Q: Can I pay property taxes online? A: Contact the Cambria County Tax Claim Bureau directly for current online payment options and accepted payment methods, as digital payment systems vary by county.

Q: What is Clean and Green and how do I qualify? A: The Clean and Green Program (Act 319) provides preferential tax assessment for agricultural, forest, and open space land. This program requires application and ongoing compliance with land use requirements. Contact the county assessor for eligibility criteria and application procedures.

Q: Why did I receive a supplemental tax bill? A: Supplemental taxes occur when property changes ownership, new construction is completed, or improvements increase assessed value during the tax year. You'll pay the additional tax amount for the remaining months of the current tax year, plus a $5 administrative fee per supplemental bill.

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