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City · 7,580 residents · Cumberland County, Pennsylvania

New Cumberland , Pennsylvania

In New Cumberland, a typical home is worth $244,500 and typical rent is $980 a month. Compared with all of Cumberland County, typical rent is 22% lower and the typical home value is 12% lower.

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  • Typical home value

    $244,500

    12% below the county

    4% below Pennsylvania

    • New Cumberland
    • Cumberland
    • Pennsylvania

  • Typical rent

    $980a month

    22% below the county

    19% below Pennsylvania

    • New Cumberland
    • Cumberland
    • Pennsylvania

  • Typical household income

    $82,154a year

    6% below the county

    5% above Pennsylvania

    • New Cumberland
    • Cumberland
    • Pennsylvania

  • Households that own their home

    70%

    2 points below the county

    About the same as Pennsylvania

    • New Cumberland
    • Cumberland
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$291,071
3.4% more than 12 months ago
Typical rent
$1,283 a month

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

New Cumberland is in Cumberland 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 Cumberland County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets New Cumberland apart

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

  1. Nearby, in Harrisburg, the typical home value is $124,200: 49% less than in New Cumberland ($244,500).

  2. The typical rent in New Cumberland is $980 a month, 22% less than in Cumberland County as a whole ($1,249).

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

The homes here

Housing in New Cumberland

What homes there are in New 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

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

Year built

Homes in New Cumberland are older: the typical year built is 1953; in Cumberland County, 1978.

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
Monthly rent with utilities

With a mortgage

$1,654 a month

Cumberland County: $1,802 a month

Without a mortgage

$545 a month

Cumberland County: $671 a month

Owners with a mortgage

64%

Cumberland County: 61%

The typical cost for an owner with a mortgage in New Cumberland is $1,654 a month, less than in Cumberland County ($1,802); without one, $545.

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 New Cumberland rose 44%; in Cumberland County, it rose 37%.

Rents in New Cumberland rose more slowly than in Cumberland County: 19% since 2015–2019, against 26%.

The typical household income in New Cumberland rose 24% over that time; home values changed +44% and rent +19%.

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

MeasureNew CumberlandCumberland CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.9%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate1.2%1.6%3.4%
People per household 2.222.402.392.53
Drive alone 73%71%68%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimate0%4%3%
Walk or bike Unreliable estimate4%4%3%
Work from home 21%18%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.22 on average, against 2.40 in Cumberland County.

To get to work, 73% of workers in New Cumberland drive alone; in Cumberland County, 71%.

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 New Cumberland?

A typical home is tight for the typical income

We start with a typical home in New Cumberland, worth $244,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in New Cumberland, which is $82,154 a year. For that payment to be 28% of income, a household would need to earn about $87,695 a year.

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

Your numbers

Local data
$

Starts at the typical home value in New 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 $8,558 (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

$2,046

at 7.18% · 30 years

Loan amount
$240,071
Total interest
$345,406
Paid off in
November 2056

Includes $4,129 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,917 a month

  • Tight

    $1,917 to $2,465 a month

    Your payment · 30%

  • Hard

    more than $2,465 a month

Compared with the typical household income in New Cumberland ($82,154 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,046
Principal & interest$1,626
Property tax$210
Home insurance$102
FHA mortgage insurance (MIP)$108

You need at least $8,558 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

New Cumberland and Cumberland County

New Cumberland is in Cumberland County, Pennsylvania. 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).

New Cumberland's own numbers

Typical home value
$244,500
Typical monthly rent
$980
Typical yearly household income
$82,154
Households that own their home
70%
Effective property tax rate
1.03%

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

Numbers for all of Cumberland County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,598
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
2.2%

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 Cumberland County.

Everything about Cumberland County

Buying

Buying a home in New Cumberland

A typical home in New Cumberland is worth $244,500: 12% below the county and 4% below Pennsylvania. With the typical household income in New Cumberland ($82,154 a year), a typical home costs 3.0 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.

  • New Cumberland 3.0 years
  • Cumberland 3.2 years
  • Pennsylvania 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Cumberland County

According to FHFA’s house price index, home prices in Cumberland County rose 73% in the 10 years through 2025.

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

Period County Pennsylvania U.S.
Last year (2025) +3.9% +4.7% +2.9%
5 years (2020–2025) +50% +48% +47%
10 years (2015–2025) +73% +77% +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

New Cumberland next to Cumberland County, Pennsylvania and the U.S.

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

Typical home value
  • New Cumberland $244,500
  • Cumberland $277,600
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • New Cumberland $980
  • Cumberland $1,249
  • Pennsylvania $1,209
  • United States $1,413
Typical yearly household income
  • New Cumberland $82,154
  • Cumberland $87,494
  • Pennsylvania $77,971
  • United States $80,734
See the full table
New Cumberland next to Cumberland County and Pennsylvania
Measure New Cumberland Cumberland County Pennsylvania U.S.
Typical home value $244,500 $277,600 $254,500 $332,700
Typical monthly rent $980 $1,249 $1,209 $1,413
Typical yearly household income $82,154 $87,494 $77,971 $80,734
Households that own their home 70% 71% 69% 65%
Typical yearly property tax $2,522 $3,254 $3,311 $3,119
Effective property tax rate 1.03% 1.17% 1.3% 0.94%
Renters with high rent for their income 58% 42% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Cumberland 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 New Cumberland

For a typical $244,500 home in New Cumberland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, New Cumberland's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,046a month

    Least cash to close
    Down payment
    $8,558
    Cash to close
    $15,893
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $108

  • Conventional, 5% down $2,001a month

    Down payment
    $12,225
    Cash to close
    $19,560
    Rate
    7.18%
    Mortgage insurance
    PMI · $116

  • Conventional, 20% down, no PMI $1,637a month

    Down payment
    $48,900
    Cash to close
    $56,235
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,863a month

    Down payment
    $36,675
    Cash to close
    $44,010
    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 New Cumberland and for Cumberland County.

Property tax

Effective rate in New Cumberland

1.03%of the home’s value each year

$2,522 a year for the typical owner in New Cumberland.

  • New Cumberland 1.03%
  • Cumberland 1.17%
  • Pennsylvania 1.3%

What Pennsylvania publishes Property Tax/Rent Rebate Program (PTRR) (Pennsylvania Department of Revenue)

Exemptions and deadlines in Pennsylvania

Flood risk in Cumberland County

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

Homes in the high-risk zone
2.2%
1,735
Of those, with NFIP insurance
21%
County Pennsylvania U.S.
Homes in the high-risk zone 2.2% 2% 3.5%
Of those, with NFIP insurance 21% 23% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in New Cumberland

Typical rent in New Cumberland is $980 a month: 22% below the county. In New Cumberland, 58% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Cumberland County, by unit size. To pay the 2-bedroom one ($1,598 a month) without spending more than 30% of your income, you would need to earn $30.73 an hour working full time.

HUD fair market rent for all of Cumberland 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 $1,166 $22.42 $46,640
1 bedroom $1,285 $24.71 $51,400
2 bedrooms $1,598 $30.73 $63,920
3 bedrooms $2,055 $39.52 $82,200
4 bedrooms $2,100 $40.38 $84,000

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 New Cumberland

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). New Cumberland is in ZIP code 17070.

For 2 bedrooms it is $1,260: $338 less than the fair market rent for Cumberland County ($1,598).

  • 17070 $1,260$1,650

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for New 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 New Cumberland

HUD lists one building with rents for lower incomes in New Cumberland.

  • New Cumberland Senior Housing 202 3rd St, New Cumberland 17070 10 low-income homes · 1 bd: 10 · In service since 2011 · For older adults, people with disabilities

See all 34 buildings in Cumberland County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in New 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 Cumberland County; none says it serves in Spanish.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in New Cumberland

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

Which programs do I qualify for? All programs in Pennsylvania

Housing counselors near New Cumberland

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

  • Tri-County HDC LTD

    201 N Front St, Harrisburg · 2 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (717) 231-3604

  • Pennsylvania Housing Finance Agency

    211 North Front Street, Harrisburg · 2 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (800) 342-2397

  • The Fair Housing Council of the Capital Region, Inc

    2100 N 6th St, Harrisburg · 4 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (717) 238-9540

Every agency in Cumberland County All counseling agencies in Pennsylvania

Help in Spanish near New 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 New Cumberland

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

  • Housing Authority of the County of Cumberland Public housing and Section 8 vouchers (717) 249-0789

All housing agencies in Pennsylvania Source: HUD

Cities

Other cities in Cumberland County

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

Everything about Cumberland County Housing in Pennsylvania

Nearby cities

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

Neighboring counties

If Cumberland 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 New Cumberland.

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

Questions

Housing questions about New Cumberland

Short answers with the numbers for New Cumberland and all of Cumberland 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 New Cumberland?

The typical home value in New Cumberland is $244,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cumberland County it is $277,600.

How much does it cost to rent in New Cumberland?

Typical rent in New Cumberland is $980 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cumberland County is $1,598.

What is the FHA loan limit in New Cumberland?

New Cumberland uses the FHA limit for all of Cumberland 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 New Cumberland?

The typical homeowner in New Cumberland pays $2,522 a year, according to the U.S. Census Bureau. That is 1.03% of the home’s value; in Cumberland County, the rate is 1.17%.

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

There is 1 HUD-approved counseling agency with an office in Cumberland 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).