The median home in Cumberland, Maryland is valued at $147,910, up 4.5% year over year. Typical monthly rent is $995, producing a price-to-rent ratio of 12.4x — below the national average of 18x. Cumberland is part of the Cumberland, MD-WV metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$147,910

+4.5%

Rent$995/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Cumberland.

Income (annual)

Down Payment

$29,582 on $147,910

Example: $75,000 household income. Change it above to see your own.

Affordable16.2% of income

Under the 28% guideline.

PITI$1,011

P/I16.2%

Afford$256K

Room+$108K

P&I $748Tax $129Ins $133

Renting $16/mo cheaper ($995 rent)6.50% 30yr, 20% down, county tax + MD ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Maryland

Compare Cumberland with other housing markets across Maryland.

Gibson Island$2.94M Chevy Chase View$1.43M Potomac$1.35M Glen Echo$1.29M Cabin John$1.25M Chevy Chase$1.2M Bethesda$1.11M Dayton$1.06M

Full Cumberland, MD-WV analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Cumberland, MD-WV metro.

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