Cumberland, MD housing market
Typical home value
$157K
▲ 3.1% 1 yr
Typical rent
$1,018/mo
▲ 5.6% 1 yr
Gross rent yield
7.8%
U.S. 6.3%
5-year home value change
+25%
U.S. +20%
Key takeaways
- 1The typical home in Cumberland is worth $157,263, up 3.1% over the past year and up 25% over five years.
- 2Typical rent is $1,018 a month (+5.6% YoY), a gross rent yield of 7.8% (above the Cumberland, MD metro's 7.1%).
- 3With 20% down at 7.32%, principal and interest on the typical home is about $864/mo, $154 less than typical rent.
- 4Zillow forecasts the Cumberland, MD metro's home values to change +2.5% over the next 12 months.
Market temperature (Cumberland, MD metro)
Neutral market
Buyer'sNeutralSeller's
Zillow Market Heat Index: 51/100, #128 hottest of 546 metros. Below 44 favors buyers; above 55 favors sellers.
Home values and rent
Source: Zillow Research (ZHVI, ZORI and market activity data).
How Cumberland compares
| Measure | Cumberland | Cumberland, MD metro | United States |
|---|---|---|---|
| Typical home value | $157,263 | $167,830 | $366,157 |
| Home value, 1-yr change | +3.1% | +2.7% | +1.2% |
| Typical rent | $1,018 | $994 | $1,932 |
| Rent, 1-yr change | +5.6% | +4.2% | +2.7% |
| Gross rent yield | 7.8% | 7.1% | 6.3% |
| Price-to-rent ratio | 12.9 | 14.1 | 15.8 |
| Mortgage P&I, typical home | $864 | $922 | $2,012 |
Run the numbers
Rental property calculator
Cash flow on a typical Cumberland rental, pre-filled.
Rent vs buy in Cumberland
Which costs less over the years you'll stay.
Mortgage calculator
Monthly payment on a $157K home.
City figures are Zillow's typical home value (ZHVI) and observed rent (ZORI). Gross yield is before expenses. Data refreshed Oct 26, 2026.