HonestCasa logoHonestCasa
All Tax Guides
Updated 2025 Tax Year

Northumberland County
Property Tax Guide

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

10 Official Sources
8 min read
Calculate Your True CostMortgage Calculator
Quick Facts
Tax Rate
$0.74 per $100 of assessed value (well below VA average of ~1%)
Exemptions
4+ Available
Section 1

How Property Tax Works

Northumberland County, Virginia operates a property tax system that serves as the primary funding source for essential local services including public schools, emergency services, road maintenance, and county administration. The county's real estate tax rate is $0.74 per $100 of assessed value as of July 1, 2025, which is notably lower than Virginia's average rate of approximately 1%. This competitive rate makes Northumberland County an attractive location for homeowners while still providing adequate revenue for municipal services.

Property taxes in Northumberland County are assessed annually based on fair market value, with the county conducting periodic reassessments to ensure equitable taxation. The most recent reassessment was effective January 1, 2026, conducted by Pearson Appraisal, affecting taxes due November 5, 2026. The county handles its own property tax billing and collection processes, providing direct service to taxpayers. Actual tax burdens may vary slightly within the county due to special taxing districts, though the base real estate rate of $0.74 per $100 applies countywide.

Section 2

What Makes Up Your Tax Bill

ComponentRate per $100DescriptionLevy Year
Real Estate Base Rate$0.74General county operations, schools, servicesFY 2025-2026
Personal Property (Vehicles)$3.60Applied to 40% of NADA book valueFY 2025-2026

Note: These rates are effective July 1, 2025. Special taxing districts within Northumberland County may impose additional assessments for specific services such as fire districts or utility services. Contact the County Treasurer's office to determine if your property is located within any special district boundaries that would affect your total tax rate.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Northumberland 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 property taxes in Northumberland County are triggered when there are changes in property ownership, completion of new construction, or significant improvements that increase a property's assessed value during the tax year. When these events occur, the county assessor determines the new assessed value and calculates the additional tax owed from the effective date of the change through the end of the current tax year.

For example, if you purchase a home in Northumberland County in March that was previously assessed at $250,000 but now has a market value of $350,000, you would receive a supplemental tax bill for the $100,000 increase in assessed value. The calculation would be: ($100,000 ÷ 100) × $0.74 × (9 months remaining ÷ 12 months) = $555 in supplemental taxes. This bill would be separate from the regular annual tax bill and typically due within 30 days of issuance.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Homestead Tax Credit Applied: -$500 (requires application)
  • Net Taxable Value: $299,500
  • Annual Tax: ($299,500 ÷ 100) × $0.74 = $2,216
  • Monthly Escrow: $185

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Homestead Tax Credit Applied: -$500 (requires application)
  • Net Taxable Value: $599,500
  • Annual Tax: ($599,500 ÷ 100) × $0.74 = $4,436
  • Monthly Escrow: $370

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Homestead Tax Credit Applied: -$500 (requires application)
  • Net Taxable Value: $999,500
  • Annual Tax: ($999,500 ÷ 100) × $0.74 = $7,396
  • Monthly Escrow: $616

Note: Tax credits shown require annual application and are not automatically applied. Contact the County Assessor's office for current credit amounts and application procedures.

See How Taxes Affect Your Payment

Property taxes are just part of your total monthly cost. Get the full picture.

Calculate Now
Section 5

Escrow & Property Taxes

Most mortgage lenders in Northumberland County require borrowers to maintain an escrow account for property taxes, collecting monthly payments as part of your mortgage payment and remitting taxes directly to the county when due. Your lender will typically collect 1/12th of your annual property tax bill each month, plus an additional cushion as allowed by federal law. Since Northumberland County taxes are due November 5th annually, your lender will make the payment on your behalf by this deadline.

Lenders are required to provide annual escrow account statements showing deposits, payments, and any adjustments needed based on actual tax bills versus estimates. If your property taxes increase due to reassessment or rate changes, your monthly escrow payment will be adjusted accordingly. You can verify that your lender has made timely payments by checking with the Northumberland County Treasurer's office or through their online payment portal. If you pay taxes directly without escrow, you remain responsible for meeting the November 5th deadline to avoid penalties and interest charges.

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 Northumberland County for the current fiscal year? A: Property taxes are due November 5, 2026 for the current fiscal year, based on assessments effective January 1, 2026.

Q: What tax credits are available and do I need to apply? A: Various tax credits are available including homestead credits for primary residences and credits for elderly/disabled taxpayers. All credits require annual application - they are NOT automatic. Contact the County Assessor's office for specific credit amounts and application deadlines.

Q: How does the homestead tax credit work? A: The homestead credit provides a dollar reduction on your tax bill (not your assessed value) and may include caps on annual assessment increases. You must file an application to receive this credit, and it only applies to your primary residence.

Q: How often does Northumberland County reassess properties? A: The county conducts periodic reassessments with the most recent effective January 1, 2026, performed by Pearson Appraisal. Property owners receive notice of new assessments and have the right to appeal if they believe the valuation is incorrect.

Q: What are the penalties for late property tax payments? A: Late payments incur penalties and interest charges. Contact the Treasurer's office for current penalty rates and to discuss payment arrangements if needed.

Q: Can I pay my property taxes online? A: Contact the Northumberland County Treasurer's office to inquire about online payment options and accepted payment methods.

Q: Are there additional taxes for special districts in my area? A: Some properties may be subject to additional assessments for fire districts or other special services. Check with the Treasurer's office to determine if your property is located within any special taxing districts.

Q: How do I appeal my property assessment? A: If you believe your property assessment is incorrect, you have the right to appeal. Contact the County Assessor's office immediately upon receiving your assessment notice for appeal procedures and deadlines.

Verified Sources

Backed by 10 Official Government Sources

Every fact in this guide is sourced from official county, state, and federal documents.

01
Treasurer | Northumberland Virginiaco.northumberland.va.us
02
County
1. Opening of Meeting 5:00 P.M. 2. County Administrator Itemsco.northumberland.va.us
03
County
NORTHUMBERLAND COUNTY, VIRGINIA TAX RATESco.northumberland.va.us
04
Reassessment Notice | Northumberland Virginiaco.northumberland.va.us
05
Northumberland, Virginia Home Page | Northumberland Virginiaco.northumberland.va.us
06
Chapter 2. Homestead Exemption of Householderlaw.lis.virginia.gov
07
County
COUNTY OF NORTHUMBERLAND, VIRGINIAco.northumberland.va.us
08
Assessmentnorthumberlandcountypa.gov
09
County
COUNTY OF NORTHUMBERLAND, VIRGINIAco.northumberland.va.us
10
Tax Doc
Chapter 132. Taxation Article XI. Tax Relief for Elderly and ...co.northumberland.va.us
All sources verified as of 2025 Tax Year

See the Full Picture of Your Home Costs

Property taxes are just one piece of homeownership. HonestCasa helps you understand your total monthly cost and explore safe ways to access your home equity.

Total Monthly Cost

Mortgage + taxes + insurance + HOA

Equity Growth

Track how your equity grows over time

Safe Equity Access

Options for projects or debt payoff

Run Your ScenarioTry Calculator

Free • No credit check • 2-minute estimate