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City · 18,804 residents · Allegany County, Maryland

Cumberland , Maryland

In Cumberland, a typical home is worth $123,200 and typical rent is $741 a month. Compared with all of Allegany County, the typical home value is 20% lower, typical household income is 19% lower, and the share of households that own their home is 11 points lower.

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  • Typical home value

    $123,200

    20% below the county

    71% below Maryland

    • Cumberland
    • Allegany
    • Maryland

  • Typical rent

    $741a month

    8% below the county

    57% below Maryland

    • Cumberland
    • Allegany
    • Maryland

  • Typical household income

    $48,162a year

    19% below the county

    54% below Maryland

    • Cumberland
    • Allegany
    • Maryland

  • Households that own their home

    60%

    11 points below the county

    8 points below Maryland

    • Cumberland
    • Allegany
    • Maryland

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

Market now, with Zillow data

Zillow data
Typical home value
$157,263
3.1% more than 12 months ago
Typical rent
$1,018 a month
5.6% more than 12 months ago

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

Cumberland is in Allegany County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Allegany County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Cumberland apart

What this place has that others do not, from public data, most unusual first.

  1. Cumberland has the lowest typical rent of the 195 cities in Maryland with more than 5,000 people: $741.

  2. Cumberland has the lowest typical home value of the 202 cities in Maryland with more than 5,000 people: $123,200.

  3. Cumberland has the 2nd lowest typical household income of the 202 cities in Maryland with more than 5,000 people ($48,162).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Cumberland rose 3.1%; in Maryland, it barely changed.

  5. 60% of households in Cumberland own their home, against 71% in Allegany County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Cumberland

What homes there are in Cumberland, 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

Detached houses are the majority in Cumberland (59%), but less so than in Allegany County (72%).

Year built

Homes in Cumberland are smaller: 59% have 3 bedrooms or more; in Allegany County, 64%.

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

The FHA loan limit for Allegany County is $541,287, and about 97% of owner-occupied homes in Cumberland are worth less than that.

Monthly rent with utilities

About 74% of rented homes in Cumberland cost less than HUD's 2-bedroom fair market rent for Allegany County ($1,014).

With a mortgage

$1,178 a month

Allegany County: $1,255 a month

Without a mortgage

$484 a month

Allegany County: $486 a month

Owners with a mortgage

52%

Allegany County: 52%

The typical cost for an owner with a mortgage in Cumberland is $1,178 a month, less than in Allegany County ($1,255); without one, $484.

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

The typical home value in Cumberland rose 31% since 2015–2019, about the same as in Allegany County (28%).

The typical rent in Cumberland stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureCumberlandAllegany CountyMarylandUnited States
Rental vacancy 8.7%6.9%4.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate1.1%2.5%3.4%
People per household 2.132.232.572.53
Drive alone 74%79%65%69%
Carpool 11%8%8%9%
Public transit Unreliable estimateUnreliable estimate4%3%
Walk or bike 3%3%2%3%
Work from home 10%9%19%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

There is more rental housing open in Cumberland: 8.7% is empty and offered for rent, against 6.9% in Allegany County.

A household in Cumberland has 2.13 people on average, about the same as in Allegany County (2.23).

In Cumberland, 74% of workers drive alone to work; in Allegany County, 79%.

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 for a home in Cumberland?

A typical home is within reach of the typical income

We start with a typical home in Cumberland, worth $123,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Cumberland, which is $48,162 a year.

The calculator's FHA and conventional loan limits are those of all of Allegany County.

Your numbers

Local data
$

Starts at the typical home value in Cumberland. 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 $4,312 (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

$1,067

at 7.18% · 30 years

Loan amount
$120,969
Total interest
$174,045
Paid off in
November 2056

Includes $2,081 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,124 a month

    Your payment · 27%

  • Tight

    $1,124 to $1,445 a month

  • Hard

    more than $1,445 a month

Compared with the typical household income in Cumberland ($48,162 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,067
Principal & interest$819
Property tax$142
Home insurance$51
FHA mortgage insurance (MIP)$54

You need at least $4,312 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.

The city and its county

Cumberland and Allegany County

Cumberland is in Allegany County, Maryland. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Cumberland's own numbers

Typical home value
$123,200
Typical monthly rent
$741
Typical yearly household income
$48,162
Households that own their home
60%
Effective property tax rate
1.38%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Allegany County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+45%
Homes in a high flood-risk zone
1.4%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Allegany County.

Everything about Allegany County

Buying

Buying a home in Cumberland

A typical home in Cumberland is worth $123,200: 20% below the county and 71% below Maryland. With the typical household income in Cumberland ($48,162 a year), a typical home costs 2.6 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Cumberland 2.6 years
  • Allegany 2.6 years
  • Maryland 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Allegany County

According to FHFA’s house price index, home prices in Allegany County rose 60% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Allegany County.

Period County Maryland U.S.
Last year (2025) +3.3% +2.7% +2.9%
5 years (2020–2025) +45% +40% +47%
10 years (2015–2025) +60% +60% +85%

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

Cumberland next to Allegany County, Maryland and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Cumberland $123,200
  • Allegany $154,900
  • Maryland $419,900
  • United States $332,700
Typical monthly rent
  • Cumberland $741
  • Allegany $805
  • Maryland $1,705
  • United States $1,413
Typical yearly household income
  • Cumberland $48,162
  • Allegany $59,603
  • Maryland $103,678
  • United States $80,734
See the full table
Cumberland next to Allegany County and Maryland
Measure Cumberland Allegany County Maryland U.S.
Typical home value $123,200 $154,900 $419,900 $332,700
Typical monthly rent $741 $805 $1,705 $1,413
Typical yearly household income $48,162 $59,603 $103,678 $80,734
Households that own their home 60% 71% 68% 65%
Typical yearly property tax $1,696 $1,636 $4,093 $3,119
Effective property tax rate 1.38% 1.06% 0.97% 0.94%
Renters with high rent for their income 52% 44% 51% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Allegany County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Cumberland

For a typical $123,200 home in Cumberland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cumberland's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,067a month

    Least cash to close
    Down payment
    $4,312
    Cash to close
    $8,008
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $54

  • Conventional, 5% down $1,044a month

    Down payment
    $6,160
    Cash to close
    $9,856
    Rate
    7.18%
    Mortgage insurance
    PMI · $59

  • Conventional, 20% down, no PMI $861a month

    Down payment
    $24,640
    Cash to close
    $28,336
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $975a month

    Down payment
    $18,480
    Cash to close
    $22,176
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • 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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Cumberland and for Allegany County.

Property tax

Effective rate in Cumberland

1.38%of the home’s value each year

$1,696 a year for the typical owner in Cumberland.

  • Cumberland 1.38%
  • Allegany 1.06%
  • Maryland 0.97%

What Maryland publishes Homestead tax credit (cap on yearly assessment increases) (Maryland General Assembly (Annotated Code of Maryland, Tax-Property Article))

Exemptions and deadlines in Maryland

Flood risk in Allegany County

FEMA does not publish these numbers by city: they are for all of Allegany County.

Homes in the high-risk zone
1.4%
379
Of those, with NFIP insurance
24%
County Maryland U.S.
Homes in the high-risk zone 1.4% 1.2% 3.5%
Of those, with NFIP insurance 24% 74% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cumberland

Typical rent in Cumberland is $741 a month: 8% below the county. In Cumberland, 52% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Allegany County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 an hour working full time.

HUD fair market rent for all of Allegany County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $862 $16.58 $34,480
1 bedroom $888 $17.08 $35,520
2 bedrooms $1,014 $19.50 $40,560
3 bedrooms $1,383 $26.60 $55,320
4 bedrooms $1,468 $28.23 $58,720

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

By ZIP code

Fair market rent by ZIP code in Cumberland

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cumberland is in ZIP code 21502.

For 2 bedrooms it is $1,010: $4 less than the fair market rent for Allegany County ($1,014).

  • 21502 $1,010$1,390

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cumberland when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Cumberland

HUD lists 15 buildings with rents for lower incomes in Cumberland. These are the largest.

  • Jane Frazier Village 202 Memorial Ave, Cumberland 21502 125 low-income homes · Run by Housing Authority of the City of Cumberland · Average payment: $353 a month · Average wait: 11 months (301) 724-6606
  • Old Towne Manor 1510A E Oldtown Rd, Cumberland 21502 138 homes, 123 low-income · 1 bd: 46 · 2 bd: 44 · 3 bd: 48 · In service since 2015 · For people with disabilities, families
  • William Booth Tower 220 Somerville Ave, Cumberland 21502 114 low-income homes · Studio: 51 · 1 bd: 63 · In service since 2010 · For older adults, people with disabilities, families (301) 777-7603
  • Old Towne Manor 1510 E Oldtown Rd, Cumberland 21502 138 homes, 104 low-income · For families (301) 777-1745
  • Cumberland Manor 229 Baltimore Ave, Cumberland 21502 102 homes, 101 low-income · For older adults (301) 777-5186

See all 19 buildings in Allegany County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Cumberland

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Allegany County; none says it serves in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Cumberland

No down payment, repair or rent-help program on our list is for Cumberland or Allegany County. The ones below are statewide in Maryland: they work in Cumberland the same as in the rest of the state.

Which programs do I qualify for? All programs in Maryland

  • MMP 1st Time Advantage

    Statewide in Maryland

    Maryland Mortgage Program mortgages for first-time buyers, with a deferred 0% second mortgage for the down payment: $6,000, or 3%, 4% or 5% of the loan. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Deferred

    See the program Official page

  • MMP Flex Loans

    Statewide in Maryland

    Maryland Mortgage Program mortgages for first-time buyers and for people who have owned a home before; Flex 6000 brings $6,000 and Flex 3% brings 3% of the loan for the down payment, as a deferred 0% second loan. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Deferred

    See the program Official page

  • Maryland SmartBuy

    Statewide in Maryland

    Maryland Mortgage Program loan of up to 15% of the price (maximum $25,000) to pay off your student debt when you buy a home; no interest or monthly payments, and forgiven after five years if you stay in the home. Offered by Maryland Mortgage Program (Maryland Department of Housing and Community Development).

    Forgivable

    See the program Official page

Housing counselors near Cumberland

The HUD-approved agencies closest to the center of Cumberland, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Allegany County Human Resources Development Commission, Inc

    125 Virginia Ave, Cumberland · 1 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 1 more
    (301) 777-5970

  • HAGERSTOWN NEIGHBORHOOD DEVELOPMENT PARTNERSHIP, INC.(HNDP)/ aka Hagerstown Home Store

    21 E Franklin St, Hagerstown · 55 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (301) 797-0900

  • The City of Frederick

    100 S Market St, Frederick · 74 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (301) 600-1506

Every agency in Allegany County All counseling agencies in Maryland

Help in Spanish near Cumberland

1 of the 3 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.

Housing authorities of Cumberland

HUD’s record names them for Cumberland or Allegany County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the City of Cumberland Public housing (301) 724-6606

One other authority has an office in Allegany County: see the list Source: HUD

Cities

Other cities in Allegany County

These cities are also in Allegany County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Allegany County Housing in Maryland

Nearby cities

The cities closest to Cumberland, with the typical home value.

Neighboring counties

If Allegany County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Cumberland.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Cumberland

Short answers with the numbers for Cumberland and all of Allegany County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Cumberland?

The typical home value in Cumberland is $123,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Allegany County it is $154,900.

How much does it cost to rent in Cumberland?

Typical rent in Cumberland is $741 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Allegany County is $1,014.

What is the FHA loan limit in Cumberland?

Cumberland uses the FHA limit for all of Allegany County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Cumberland?

The typical homeowner in Cumberland pays $1,696 a year, according to the U.S. Census Bureau. That is 1.38% of the home’s value; in Allegany County, the rate is 1.06%.

Where can I find free help to buy or rent in Cumberland?

There is 1 HUD-approved counseling agency with an office in Allegany County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).