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Featured local agent — Cumberland, OH
Sarah Mitchell
Compass Real Estate · Cumberland, OH
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Cumberland, OH Housing Market
The typical home in Cumberland, OH is worth $198,695, rose 8.7% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $125,000 (through May 2026). With homes going under contract in about 195 days, Cumberland is a balanced market. At today's 7.03% 30-year fixed rate, 20% down on a $198,695 home is about $1,061/mo in principal and interest.
Key numbers for Cumberland, OH
Typical home value
$198,695
+8.7% in 12 months
Zillow, August 2026
Median sale price
$125,000
Last published period
Redfin, through January 2026
Days on market
195
Slow-moving
Redfin, through January 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$56,765
Home costs 3.5x income
U.S. Census ACS, 2023
Sale-to-list ratio
125.1%
Selling above asking
Redfin, through January 2026
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Cumberland a buyer's or seller's market?
Cumberland, OH is a balanced market and homes selling in about 195 days. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Cumberland housing market data show?
Every row below is Redfin's final published month for Cumberland, OH. Redfin, through January 2026
| Metric | Value |
|---|---|
| Median sale price | $125,000 |
| Median price per sq ft | $84/sq ft |
| Median days on market | 195 days |
| Sale-to-list price ratio | 125.1% |
| Homes sold (that month) | 1 |
| Market condition | Balanced market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Cumberland is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Cumberland is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Cumberland home prices moved?
Across the 19 months we hold for Cumberland, OH, the median sale price rose 98.4%, from $63,000 in April 2021 to $125,000. The live Zillow value series has rose 8.7% in the last 12 months, which is the more current read now that Redfin's series has stopped.
Redfin, through January 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Cumberland?
Priced off the typical home value of $198,695 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $39,739 | $158,956 | $1,061/mo |
| 5% | $9,935 | $188,760 | $1,260/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,061, that implies roughly $45,460 a year before you add taxes and insurance. The median household in Cumberland earns $56,765, about $11,305 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 3.5x — above the historical 3x norm but in line with much of the country in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Cumberland in the next 12 months?
Tell us your timeline. We send the Cumberland market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Cumberland?
Zillow does not publish a rent index (ZORI) for Cumberland, OH, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Cumberland?
Active listings in Cumberland, OH went from 1 in August 2021 to 1 in August 2025, a +0.0% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| November 2021 | 3 | 2 |
| December 2021 | 3 | 1 |
| March 2022 | 2 | not published |
| May 2022 | 1 | not published |
| June 2024 | 1 | 1 |
| August 2024 | 1 | not published |
| September 2024 | 2 | 2 |
| November 2024 | 2 | not published |
| February 2025 | 1 | not published |
| April 2025 | 1 | not published |
| July 2025 | 1 | 1 |
| August 2025 | 1 | not published |
Redfin, through August 2025
How does Cumberland compare to Ohio and the U.S.?
Cumberland homes sell for $125,000 — 56% below the Ohio median of $282,600. Against the national median of $410,700, Cumberland runs 70% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Cumberland, OH | $125,000 | not published | 195 days |
| Ohio statewide | $282,600 | +5.4% | 36 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through January 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Cumberland
What buyers should watch
- The gap between 5% and 20% down here is $199 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $198,695 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Cumberland listing goes under contract in 195 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 125.1% of asking. Price at the number you want and let competition do the rest.
- Your equity moved +8.7% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Cumberland varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Cumberland
Explore homes currently listed for sale in Cumberland, Ohio across major real estate platforms.
How much do homes cost in Cumberland by property type?
How the Cumberland, OH market breaks down across single-family homes, condos and townhouses. Redfin, through January 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $125,000 | $84/sq ft | 1 | 195 days |
Who lives in Cumberland?
American Community Survey estimates for Cumberland. U.S. Census ACS, 2023
Population
362
Households
132
Median income
$56,765/yr
Median age
34.9 years
Owner-occupied
81.1%
Median home value
$82,500
Median gross rent
$694/mo
Mean commute
34.2 min
81.1% of occupied homes in Cumberland are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $82,500 against Zillow's $198,695 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which cities are near Cumberland, OH?
Ordered by distance from Cumberland, not by size. Compare Cumberland side by side with any of them.
Cumberland housing market FAQ
Is Cumberland a buyer's or seller's market?
Cumberland, OH is currently a balanced market based on the supply, pace-of-sale and sale-to-list data we hold for this city. Redfin's public market tracker last published in May 2026, so this classification will not move until a new source fills that gap.
How much do homes cost in Cumberland?
The typical home in Cumberland, OH is worth $198,695 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $125,000, about $84 per square foot.
Is Cumberland cheaper than the rest of Ohio?
Cumberland's median sale price of $125,000 is 56% lower than the Ohio statewide median of $282,600, and 70% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Cumberland?
Homes in Cumberland, OH spent a median of 195 days on market before going under contract, versus 36 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Cumberland?
At the current 30-year fixed rate of 7.03%, 20% down on a $198,695 home is about $1,061 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $45,460 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $56,765.
Are home prices rising in Cumberland?
The typical home value in Cumberland, OH rose 8.7% over the last 12 months, from $182,730 to $198,695 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Cumberland?
Cumberland ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Cumberland?
That depends on your timeline, not on a headline. What the data says today: Cumberland, OH is a balanced market, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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