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County in Maine

Cumberland County, Maine

Cumberland County is the most populous county in Maine, with 308,827 residents. Cumberland County has an FHA limit of $615,250 for one-unit homes. The typical home value here is $451,200. HUD's Fair Market Rent for a 2-bedroom apartment is $1,941–$2,353 a month; to pay it without spending more than 30% of your income, you need to earn about $37.33–$45.25 an hour.

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  • Typical home price

    $451,200

    +52% vs. Maine +36% vs. U.S.

    Half of owner-occupied homes are worth more and half are worth less.

    • Cumberland
    • Maine
    • United States

    Source: U.S. Census Bureau, Average 2020–2024

  • Fair market rent, 2 bedrooms

    $1,941–$2,353 a month

    HUD sets it by area: from the lowest to the highest of the 2 areas in Cumberland County.

    • Lowest area
    • Highest area
    • Maine
    • United States

    Source: HUD, Fiscal year 2027

  • FHA limit 2026, 1 unit

    $615,250

    FHA high-cost area

    The most you can borrow with an FHA loan for a one-unit home here.

    • Cumberland
    • Floor
    • Ceiling

    Source: HUD, 2026 data

  • Property tax

    1.04% of value per year

    +2% vs. Maine +11% vs. U.S.

    $4,707 a year for the typical owner

    • Cumberland
    • Maine
    • United States

    Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$558,564
2.3% more than 12 months ago
Typical rent
$2,397 a month
2.2% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Data from October 2026

In short

What is housing like in Cumberland County today?

The monthly payment on a typical home with FHA would be about $3,780, that is, 47% of the typical household income in Cumberland County. For that payment to be 28% of income, a household would need to earn about $161,993 a year; the typical income here is $95,677. Homes here are worth 52% more than the average across Maine. The typical property tax is $4,707 a year (about 1.04% of home value), higher than in Maine. This is a high-cost area for FHA: the limit is above the national floor.

There are 2 agencies with HUD-approved housing counselors who speak Spanish near here.

Sources: U.S. Census Bureau (Average 2020–2024); HUD (2026 data); HUD (Retrieved November 6, 2026).

Only here

What sets Cumberland County apart

  1. Cumberland County has the highest typical rent of the 16 counties in Maine: $1,589.

  2. Cumberland County has the highest typical household income of the 16 counties in Maine: $95,677.

  3. Of the 16 counties in Maine, Cumberland County has the highest typical home value: $451,200.

  4. Cumberland County has the highest typical rent in its area: $1,589, more than any of its 6 neighboring counties; next is York County ($1,339).

  5. Cumberland County has the highest typical home value in its area: $451,200, more than any of its 6 neighboring counties; next is York County ($395,700).

  6. At 70%, Cumberland County ranks 2nd among the 16 counties in Maine for the lowest homeownership rate.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Cumberland County

What homes there are in Cumberland County, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Cumberland County, 6 in 10 homes are single-family detached houses; in Maine, 7.

Year built

The typical year built in Cumberland County is 1976, about the same as in Maine (1977).

Much as in Maine, 56% of homes in Cumberland County have 3 bedrooms or more.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

About 70% of owner-occupied homes in Cumberland County are worth less than the FHA loan limit for this county ($615,250).

Monthly rent with utilities

By rent, most homes in Cumberland County cost less than HUD's 2-bedroom fair market rent ($2,353): about 84%.

With a mortgage

$2,186 a month

Maine: $1,729 a month

Without a mortgage

$840 a month

Maine: $638 a month

Owners with a mortgage

63%

Maine: 58%

The typical cost for an owner with a mortgage in Cumberland County is $2,186 a month, more than in Maine ($1,729); without one, $840.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Cumberland County rose 62%; in Maine, it rose 56%.

Rents in Cumberland County rose faster than in Maine: 41% since 2015–2019, against 34%.

Housing prices ran ahead of income in Cumberland County: typical income rose 31%, against +62% for home values and +41% for rent.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCumberland CountyMaineUnited States
Rental vacancy 2.9%4.2%5.5%
Homeowner vacancy 0.5%0.7%0.9%
More than one person per room 1.1%1.4%3.4%
People per household 2.262.262.53
Drive alone 64%71%69%
Carpool 7%8%9%
Public transit 1%1%3%
Walk or bike 6%4%3%
Work from home 22%16%15%
Other means 1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes

The rental vacancy rate in Cumberland County is 2.9%, lower than in Maine (4.2%).

In Cumberland County, 1.1% of households live with more than one person per room, about the same as in Maine.

By size, households in Cumberland County look like those in Maine: 2.26 people on average.

In Cumberland County, 22% of workers work from home, more than in Maine (16%).

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month in Cumberland County?

A typical home costs more than the typical income allows

We start with a typical home of $451,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 47% of the typical household income here, which is $95,677 a year. For that payment to be 28% of income, a household would need to earn about $161,993 a year.

Your numbers

Local data
$

Starts at the typical home value in Cumberland County. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $15,792 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,780

at 7.18% · 30 years

Loan amount
$443,028
Total interest
$637,413
Paid off in
November 2056

Includes $7,620 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,232 a month

  • Tight

    $2,232 to $2,870 a month

  • Hard

    more than $2,870 a month

    Your payment · 47%

Compared with the typical household income in Cumberland County ($95,677 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,780
Principal & interest$3,001
Property tax$391
Home insurance$188
FHA mortgage insurance (MIP)$200

You need at least $15,792 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

Buying a home

Buying a home in Cumberland County

Here you'll see how prices have changed, how Cumberland County compares with Maine and the country, and what you'd pay each month with four kinds of loans.

How have home prices changed?

According to the FHFA House Price Index, home prices in Cumberland County rose 116% in the 10 years through 2025. FHFA's index follows the price of the same homes over the years.

Period Here Maine United States
In 2025 +4.1% +4.7% +2.9%
5 years (2020–2025) +67% +68% +47%
10 years (2015–2025) +116% +112% +85%
See each year's change

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Cumberland County compared with Maine and the United States

Home value, rent and household income, side by side. "Typical" is the median: half are above it and half below.

Typical home value
  • Cumberland $451,200
  • Maine $296,600
  • United States $332,700
Typical rent a month
  • Cumberland $1,589
  • Maine $1,139
  • United States $1,413
Typical household income a year
  • Cumberland $95,677
  • Maine $74,733
  • United States $80,734
See the full table
Cumberland compared with Maine and the United States
MeasureHereMaineU.S.
Residents308,8271,387,817334,922,499
Typical home value$451,200$296,600$332,700
Typical household income$95,677$74,733$80,734
Typical rent$1,589$1,139$1,413
Typical property tax$4,707$3,036$3,119
Effective tax rate1.04%1.02%0.94%
Households that own their home70%74%65%
Renters spending 30% or more on rent50%48%51%
FHA limit (1 unit)*$615,250$541,287$541,287

FHA limit: Maine shows the median of its counties; the United States, the national floor. Download CSV

Four ways to pay for a typical home in Cumberland County

For a typical $451,200 home at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, the county's property tax, an example homeowners insurance and mortgage insurance when it applies.

Loan Monthly payment Down payment Loan amount Rate Mortgage insurance Cash to close Minimum score
FHA, 3.5% down $3,780 $15,792 $443,028 7.18% FHA MIP · $200 $29,328 580
Conventional, 5% down $3,697 $22,560 $428,640 7.18% PMI · $214 $36,096 620*
Conventional, 20% down, no PMI $3,024 $90,240 $360,960 7.18% None $103,776 620*
ITIN, 15% down (example) $3,441 $67,680 $383,520 8.18% None $81,216 Set by the lender
  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

Everything about buying in Cumberland County: income, limits and help How much house can I afford? Closing costs

Loan limits

This is a high-cost area, so FHA limits in Cumberland County are above the national floor. The limit is set for the whole metro area (Portland-South Portland, ME). If the loan you need is above these amounts, it doesn't fit FHA or it becomes a "jumbo" loan.

VA loans. If you have full VA entitlement, VA doesn't cap the loan amount. If you've used part of your entitlement, the calculation uses the county limit ($832,750 for one unit). VA loan limits (va.gov)

USDA loans. They're for homes in eligible rural areas and households with incomes within USDA's limit. Check whether the address and your income qualify on the official site. USDA eligibility (usda.gov)

Home type FHA limit Conforming limit
1 unit $615,250 $832,750
2 units $787,650 $1,066,250
3 units $952,050 $1,288,800
4 units $1,183,200 $1,601,750

Source: HUD, 2026 data · Source: FHFA, 2026 data

Taxes and risks

Property tax and flooding in Cumberland County

Two costs that change a lot from place to place and that a house payment does include: property tax and, in risk zones, flood insurance.

Property tax

In Cumberland County, the typical owner pays $4,707 a year: about 1.04% of the home's value. That is close to the rest of Maine and more than the national average.

  • Cumberland 1.04%
  • Maine 1.02%
  • United States 0.94%

What Maine publishes Homestead exemption of up to $25,000 of value (Maine Revenue Services)

Exemptions and deadlines in Maine

Is there a flood risk?

FEMA’s maps count no homes in high-risk flood zones in Cumberland County. That does not mean there is no risk: some areas have no map. Check your address.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. (44 CFR 59.1)
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. (42 U.S.C. 4012a)
  • Most homeowners insurance does not cover flood damage. (FEMA, FloodSmart)

Source: FEMA, As of August 3, 2026

Look up your address on FEMA’s map

Owning a home here

Owning a home in Cumberland County

The natural hazards FEMA measures in Cumberland County, a maintenance plan for your climate and what the trades earn in your area.

Risks to your home

FEMA, National Risk Index 1.20.0 (December 2025)

According to FEMA, the natural hazard risk in Cumberland County is relatively low.

FEMA builds that rating from three parts: expected loss, social vulnerability and community resilience.

In Cumberland County, FEMA expects natural hazards to cause $69.2 million in losses a year, counting buildings, people and crops.

For homes and buildings, the costliest hazard here is inland flooding, at about $26.2 million in losses a year.

Loss FEMA expects each year to homes and buildings, by hazard
  1. Inland floodingRelatively low $26.2 million a year
  2. HurricaneRelatively moderate $15.4 million a year
  3. Coastal floodingRelatively moderate $3.7 million a year
  4. EarthquakeRelatively low $2.8 million a year
  5. Winter weatherVery high $521,656 a year

What it means for your home

The ratings are FEMA's own. FEMA says its data is meant for planning and does not replace a local study. Drought is not shown: FEMA counts its loss in crops only.

National Risk Index, version 1.20.0 (December 2025), retrieved November 6, 2026

FEMA notice: This product uses the Federal Emergency Management Agency's National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).

Climate and upkeep

Department of Energy (PNNL), 2021 IECC zones

The home energy code (IECC) puts Cumberland County in zone 6A: cold.

The zone's number says how hot or cold it gets; the letter says how humid: A is moist, B is dry and C is marine.

  • Spring

    • Book the air conditioner's check-up before the heat: ENERGY STAR advises checking the cooling system in the spring, because contractors get busy once summer comes. ENERGY STAR (EPA)
    • Clean and repair the roof gutters. EPA

  • Summer

    • Seal the air ducts that run through the attic, crawlspace, basement or garage with duct mastic or foil tape, then wrap them in insulation. ENERGY STAR (EPA)
    • Check that the ground slopes away from the house, so water does not collect around the foundation. EPA

  • Fall

    • Book the heating check-up in the fall. If it runs on gas or oil, the technician should check the connections: faulty ones are a fire hazard. ENERGY STAR (EPA)
    • Seal air leaks and add insulation in the attic: ENERGY STAR says it lowers the chance of ice dams on the roof in snowy climates. ENERGY STAR (EPA)

  • Winter

    • Get the house ready for the cold with insulation, caulking and weather stripping, and learn how to keep pipes from freezing. Ready.gov (FEMA)
    • Put clear plastic film over the windows: it is inexpensive, cuts drafts, helps the house feel warmer in winter and reduces moisture on the glass. ENERGY STAR (EPA)

All year

  • Check the air filter every month, especially in heavy-use months. If it looks dirty, change it; change it at least every 3 months. ENERGY STAR (EPA)
  • Test the smoke alarms every month and replace their batteries at least once a year. USFA (FEMA)

Each task comes from the official page beside it. The spring air-conditioning and fall heating check-ups are the timing ENERGY STAR advises; the rest is a suggested order.

Climate zones by county, 2021 IECC

What the trades charge here

BLS, wages for May 2025

TradeTypical hourly wage8 in 10 earn between
Electricians$34.45$27.09 and $47.13
Plumbers, pipefitters and steamfitters$31.01$24.00 and $39.00
Heating, air conditioning and refrigeration mechanics$30.81$24.99 and $38.92
Roofers$24.61$22.57 and $33.56
Carpenters$30.91$24.27 and $37.99
Painters, construction and maintenance$30.35$23.77 and $36.31
Maintenance and repair workers, general$25.28$18.86 and $37.35

According to BLS, an electrician earns about $34.45 an hour in the Portland-South Portland, ME area; a plumber, about $31.01.

These are workers' hourly wages, not the price of a job.

Need help paying for a repair?

Renting

Renting in Cumberland County

The typical rent in Cumberland County is $1,589 a month. HUD also publishes a “fair market rent” by unit size: it's the one programs like Section 8 use.

50% of renter households in Cumberland County spend 30% or more of their income on housing. 21% spend half or more.

Fair market rent by size in Portland, ME HUD Metro FMR Area

To pay the fair market rent without spending more than 30% of income, working full time (40 hours a week).

Size Fair rent a month Hourly wage Income needed per year
Studio $1,639 $31.52 $65,560
1 bedroom $1,864 $35.85 $74,560
2 bedrooms $2,353 $45.25 $94,120
3 bedrooms $2,902 $55.81 $116,080
4 bedrooms $3,092 $59.46 $123,680

HUD splits this county into 2 areas with different fair market rents: for 2 bedrooms they run from $1,941 to $2,353. The table is for Portland, ME HUD Metro FMR Area, the area where most people live; below you see every area with its towns. Includes basic utilities.

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

Fair market rent by HUD area in Cumberland County

HUD splits this county into 2 areas, each with its own fair market rent. Find your town in its area's list; the housing agency tells you which one it uses for your voucher.

HUD area Studio1 bd2 bd3 bd4 bdHourly wage, 2 bd
Portland, ME HUD Metro FMR Area The area where most people live
19 towns in this area

Cape Elizabeth town, Casco town, Chebeague Island town, Cumberland town, Falmouth town, Freeport town, Frye Island town, Gorham town, Gray town, Long Island town, North Yarmouth town, Portland city, Raymond town, Scarborough town, South Portland city, Standish town, Westbrook city, Windham town, Yarmouth town

 $1,639$1,864$2,353$2,902$3,092$45.25
Cumberland County, ME (part) HUD Metro FMR Area
9 towns in this area

Baldwin town, Bridgton town, Brunswick town, Harpswell town, Harrison town, Naples town, New Gloucester town, Pownal town, Sebago town

 $1,545$1,561$1,941$2,425$3,244$37.33

HUD fair market rent by area and size, per month, Fiscal year 2027. The wage is what full-time work must pay to rent 2 bedrooms without spending more than 30% of income. Source: HUD, Fiscal year 2027 Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

Free help in Cumberland County

Programs and counseling in Cumberland County

There are 2 HUD-approved housing counseling agencies in Cumberland County. They can help you get ready to buy, with your credit, with rent, or if you've fallen behind on payments.

Official programs for the down payment and loans for buyers. Check which ones you might qualify for with your income and your county.

A man and two girls read a book together on the sofa.

HUD counseling is free or low-cost

Maine down payment programs

  1. First Home Loan Program — Advantage

    With the Maine state agency's First Home mortgage, the buyer gets $5,000 for the down payment and closing costs (up to $14,000 for 2- to 4-unit homes), with no second mortgage

    First-time buyers only. Run by MaineHousing.

    Grant Verified November 5, 2026

  2. First Generation Program

    Maine state agency mortgage with a rate 1% lower than its First Home mortgage and a $10,000 grant for the down payment and closing costs, with no second mortgage; for people who have never owned a home and never lived in a home their parents or guardians owned, or who were in foster care

    First-time buyers only. Run by MaineHousing.

    Grant Verified November 5, 2026

Which programs do I qualify for? See all Maine programs

Help in Spanish in Cumberland County

1 of the 2 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Public housing agencies

They run public housing and Section 8 vouchers (Housing Choice Vouchers) in this county.

  • Portland Housing Authority Public housing and Section 8 vouchers (207) 773-4753
  • The Housing Authority of the City of Westbroo Section 8 vouchers (207) 854-9779

Free legal help

If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.

Find legal aid (lsc.gov)

Housing counseling nearby

These agencies have an office in Cumberland County. The full list is on the Maine counselors page. Official HUD list. Confirm hours and fees with the agency before you go.

  • Coastal Enterprises, Incorporated

    30 Federal Street, Brunswick · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (207) 517-9877

  • Avesta Housing Development Corporation

    307 Cumberland Ave, Portland

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (207) 553-7777
See every agency in Maine

Places

Cities in Cumberland County

Each city has its own page with prices, rents and help. These are the largest.

See all 8 cities of Cumberland County

Nearby counties

Each row compares its typical value, typical rent and FHA limit with Cumberland County.

Read next

Guides that help here

We picked them by this county's numbers: what weighs most here is what's worth understanding first.

Frequently asked questions

What is the FHA loan limit in Cumberland County in 2026?

Cumberland County has an FHA limit of $615,250 for a one-unit home. For 2 units it's $787,650, for 3 it's $952,050 and for 4 it's $1,183,200. It's a high-cost area, so the limit is above the national floor.

What is the conforming loan limit in Cumberland County?

Cumberland County has a conforming limit of $832,750 for one-unit conventional loans in 2026. A bigger loan is a “jumbo” loan.

How much does a typical home cost in Cumberland County?

The typical home value in Cumberland County is $451,200 (Average 2020–2024, U.S. Census). Across Maine it's $296,600.

How much does it cost to rent in Cumberland County?

Cumberland County has a typical rent of $1,589 a month (Average 2020–2024, U.S. Census). HUD's fair market rent for a 2-bedroom apartment is $1,941–$2,353 (Fiscal year 2027). HUD sets it by area within this county: the figure runs from the lowest area to the highest.

How much do you need to earn to rent a 2-bedroom apartment in Cumberland County?

About $37.33–$45.25 an hour working full time (2,080 hours a year), or $77,640–$94,120 a year, so the fair market rent of $1,941–$2,353 stays under 30% of income. HUD sets it by area within this county: the figure runs from the lowest area to the highest.

Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); Income Limits (Fiscal year 2026); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (As of November 5, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); National Risk Index (2025 data); IECC climate zones by county (2021 data); Occupational Employment and Wage Statistics (2025 data); Census Bureau cartographic boundary files (2024 data).