Cumberland housing market
Typical home value
$168K
▲ 2.7% 1 yr
Typical rent
$994/mo
▲ 4.2% 1 yr
12-month forecast
+2.5%
#206 of 546 metros
Gross rent yield
7.1%
#116 of 546 · U.S. 6.3%
Days to pending
59 days
▲ +12 days 1 yr
Listings with a price cut
29%
▲ +3.6 pts 1 yr
Key takeaways
- 1The typical home is worth $167,830, up 2.7% in a year and up 24% over five years.
- 2Zillow forecasts home values rising 2.5% over the next 12 months (U.S.: +1.1%).
- 3Typical rent is $994/mo (+4.2% YoY), a 7.1% gross yield, above the U.S. 6.3%.
- 4At 7.32% with 20% down, the typical home costs $922/mo in principal and interest, $72 less than renting.
- 5Homes go under contract in 59 days (+12 days vs last year); 29% of listings have had a price cut.
Market temperature
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
How fast homes are selling
For saleNew listings
Affordability
To buy (20% down)To rent
Source: Zillow Research (ZHVI, ZORI and market activity data).
How Cumberland compares
| Measure | Cumberland | United States | Rank of 546 |
|---|---|---|---|
| Home value, 1-yr change | +2.7% | +1.2% | #232 |
| Home value, 5-yr change | +23.9% | +19.7% | |
| 12-month forecast | +2.5% | +1.1% | #206 |
| Rent, 1-yr change | +4.2% | +2.7% | #177 |
| Gross rent yield | 7.1% | 6.3% | #116 |
| Price-to-rent ratio | 14.1 | 15.8 | |
| Mortgage P&I on typical home | $922 | $2,012 | |
| Income needed to buy | $49,209 | $100,902 | |
| Days to pending | 59 | 56 |
Cities in the Cumberland metro
1 cities with home value and rent data.
| Cumberland | $157K | ▲ 3.1% | $1,018 | ▲ 5.6% | 7.8% |
Run the numbers
Rental property calculator
Cash flow on a typical Cumberland rental ($168K, $994/mo), pre-filled.
Mortgage calculator
Monthly payment on a typical Cumberland home.
Rent vs buy
Is it cheaper to rent or buy in Cumberland?
Other Maryland metros
Baltimore, MD
$397K home$1,937 rent5.9% yield
▲ 0.4% 1 yr
Hagerstown, MD
$323K home$1,614 rent6.0% yield
▲ 2.3% 1 yr
California, MD
$431K home$2,029 rent5.6% yield
▲ 2.7% 1 yr
Gross yield = 12 × typical rent ÷ typical home value, before expenses. Mortgage estimate: 20% down, 30-year fixed at the current Freddie Mac average, principal and interest only. Forecast: Zillow Home Value Forecast. Data refreshed Oct 26, 2026.