Allegany County · Maryland · South · 19k residents
Cumberland, MD: cost of living, taxes & quality of life
Residential facts for Cumberland: housing, taxes, monthly costs, climate, schools, and household income, with the Maryland median as the yardstick. Compare it live against any of 3,000 US cities.
Data coverage: ACS place data; supplementary fields may use state estimates.
The acs median home value in Cumberland is $123,200, 71% below the Maryland median. A two-bedroom rents for about $836/mo. Day-to-day costs index at 82 against a national baseline of 100. The median household here earns $48,162 a year.
What the numbers show
Source-confirmed findings- Housing value: The ACS median home value in Cumberland is $123,200, 70.8% below the median for ACS-covered places in Maryland.
- Household income: Median household income is $48,162, 51.8% below the median for ACS-covered places in Maryland.
- Adult education: 22.7% of adults have a bachelor's degree or higher, 47.6% below the median for ACS-covered places in Maryland.
- Home value to income: The ACS median home value is about 2.6 times median household income. This is a comparison measure, not a mortgage qualification or affordability promise.
Source: U.S. Census Bureau, 2024 American Community Survey 5-year estimates(2024 ACS 5-year; tables B01003, B15003, B19013, B25077). Geography: Census place where available. This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
WhereToHQ calculates the comparisons. Figures are estimates for context, not a guarantee or personal financial advice. Read the methodology or send a correction.
What makes this place distinctive
A factual snapshot of the place, based on the profile data. It is not a tourism or cultural claim.
A researched local story is not published for this city yet. The signals below are the verified profile context.
- Scale: A smaller city in the profile data, with fewer than 50,000 residents.
- Setting: The profile places Cumberland about 78 miles from the nearest tracked mountain.
- Climate signal: The profile records 213 sunny days and 29 inches of annual snow.
- Daily pace: The profile records a walk score of 30 and an average commute of 32 minutes.
WhereToHQ derives these signals from the committed city dataset. Read the methodology for coverage and source limits.
Compare Cumberland side by side
Cost of living index
82
ACS median home value
$123,200
2-bedroom rent
$836/mo
Median household income
$48,162
Housing momentum
How fast Cumberland's housing market is moving, ranked against the US cities we track.
75/100
Heating
Ranks Cumberland's home-price and rent growth against the US cities we cover. The label is relative pace, not a direction, so a market can rank low while some figures still rise. A higher score moves faster, it is not cheaper or better. Not investment or relocation advice.
Adjusted by Cumberland's cost-of-living index versus the US average.
| ACS median home value | $123,200 |
| Price per sq. ft. | $250 |
| Property tax rate | 1.05% |
| 1-bedroom rent | $574/mo |
| 2-bedroom rent | $836/mo |
| State & local income tax | 7.43% |
| Sales tax | 6% |
| Cost of living index | 82 |
| Groceries index | 105 |
| Utilities | $190/mo |
| Transit pass | $77/mo |
| Gas price | $3.35/gal |
| Healthcare index | 100 |
| Childcare (per child) | $1,400/mo |
| Median household income | $48,162 |
| Unemployment rate | 2.8% |
| Population | 19k |
| Crime index | 52/100 |
| School rating | 6.2/10 |
| Walkability | 30/100 |
| Disaster risk | 59/100 |
| Avg. commute | 32 min |
| Sunny days / year | 213 days |
| July high | 87°F |
| January low | 23°F |
| Annual snowfall | 29 in |
| Home price YoY | +4.4% |
| Home price MoM | +0.5% |
| Rent YoY | +4.4% |
| Rent MoM | -2.1% |
| Ocean coast | 207 mi |
| Big lake | 182 mi |
| Mountains | 78 mi |
| Major airport | 85 mi |
| Ski resort | 33 mi |
Popular comparisons
Nearby
- Hagerstown, MD · 44k
- Ballenger Creek, MD · 26k
- Frederick, MD · 83k
- Clarksburg, MD · 30k
- Germantown, MD · 91k
Similar size
- Redland, MD · 19k
- Beltsville, MD · 19k
- Maryland City, MD · 19k
- East Riverdale, MD · 18k
- Seabrook, MD · 18k
Real listings in Cumberland
Homes on Zillow ↗Realtor.com ↗Rentals on Zillow ↗Apartments.com ↗
Links open third-party listing searches. WhereToHQ has no paid relationship with these sites.
- What is the cost of living in Cumberland, MD?
- Cumberland indexes at 82 for day-to-day costs against a national baseline of 100, with a typical two-bedroom renting for $836/mo and a acs median home value of $123,200.
- How much does a house cost in Cumberland?
- The acs median home value in Cumberland is $123,200, 71% below the Maryland median (Census ACS estimate; individual listings vary).
- How much is rent in Cumberland?
- A two-bedroom in Cumberland rents for about $836/mo.