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Property Taxes and Home Owner Grants

This page was last reviewed on July 7, 2020.

Property taxes are due on the first business day of July each year to the Village of Cumberland.

You are responsible to ensure your taxes are paid in full by the deadline regardless if you receive a tax notice or if a third party, such as your mortgage institute, is paying on your behalf. Failure to pay or claim your residential home owner grant, if eligible, by this deadline will result in a 10% penalty.

Your Mailing Address

Property tax notices are mailed to property owners in late May or early June to the address on file with BC Assessment as required by BC legislation. To change your mailing address you must do so through BC Assessment. Contact BC Assessment by phone at 1-866-825-8322.

Non-receipt of a tax notice does not exempt the taxpayer from late penalty fees. Please contact the Village office at 250-336-2291 if you have not received a tax notice.

Home Owner Grant Application

Home Owner Grant applications must be submitted to the Village each year.

To apply for the home owner grant and the additional seniors home owner grant (for those 65 years and older) you must complete the application on the back of the tax form and submit it to the Village Office by the tax deadline date.

Please submit your application regardless of whether you are able to pay your taxes in order to reduce the 10% penalty that is assessed on the balance of taxes owing after the deadline. Your mortgage company cannot apply on your behalf, so please submit your application regardless if a third party is paying your taxes.

Find more information about property tax relief programs for your principal residence from the Province of BC Home Owner Grant Program.

Form 78 Home Owner Grant application

You can also drop into the Village Office during regular office hours to make these applications.

Tax Deferment Programs

You may be eligible for the Provincial Tax Deferment Program or the Families With Children Property Tax Deferment Program.

For more information on these programs read more on the Ministry of Finance’s web site or drop into the Village Officer where staff can assist you.

Property taxation is the most important single source of revenue for municipalities.

Find out what projects are taking place over the next few years.

Property Value Assessments

The value of property for tax purposes is determined by the BC Assessment Authority, which is established under Provincial legislation and is independent of the Village of Cumberland. Municipalities are not involved in determining assessed values. View the BC Assessment website or contact 1-866 valueBC (1-866-825-8322) to find out more or to appeal your property value assessment.

How Tax Rates are Determined

Each year, the Village develops an annual budget and a five year financial plan. The five year financial plan is presented for community feedback before it is considered for adoption by Council. This plan determines the amount of revenue required to be raised through property taxes and other sources in order to fund the budget. This, together with the assessed value of the taxable properties, determines the tax rate.

Tax rates are expressed in “dollars per thousand” in the annual tax rates bylaw. To determine the municipal property taxes payable for an individual property, find your total property assessment, divide it by 1,000, then multiply it by the applicable tax rate for your class of property.

Collection for Other Taxing Agencies

Much of the funds collected as property taxes by the Village of Cumberland are levied by other taxing authorities such as

  • School District #71
  • Comox Valley Regional District,
  • Regional Hospital
  • Vancouver Island Regional Library,
  • Policing

These levies support services delivered within Cumberland and the region, but the amounts of these levies are outside the control of Village Council.

Late Payment Penalties

2020 Property Tax Rates

In November 2019, proposed tax and utility increases for 2020 for existing 2019 ratepayers are:

  • Municipal taxes is 4.62%
  • Utility fees is 1.96%
  • Frontage taxes is 9.6%.

The projected (in 2019) municipal taxes and utility revenue increases (includes growth*) for the years 2021 to 2024 is shown in table below. View the staff report for the November 25, 2019 Council meeting.

2021 2022 2023 2024
Property Tax 6.73% 6.83% 6.60% 6.36%
Utility Fees 4.24%* 4.30%* 3.42%* 3.39%*
Frontage Tax 11.77% 11.76% 11.74% 11.74%

* includes growth, actual increases to existing rate payers each year is expected to be less

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