Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$171,136+9.2% YoY · prices are rising fast
Market right nowBuyer's marketMore homes for sale than last year, 26% have cut their price
Income needed to buy, per year$37,099About 0.5× the local median income ($81,491): affordable for a typical household
Days on market39 daysFaster than a year ago: sellers have the edge
The typical home in Cumberland County, IL is worth $171,136, up 9.2% from a year ago. That is slightly below what local incomes have historically supported: fair value is about $188,771, so the area is 9.3% undervalued. It is a buyer's market: homes take about 39 days to sell, listings are up 122% from a year ago, 26% of listings have had a price cut. A household needs about $37,099 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $81,491. In the latest IRS figures, 82 more people moved out than in.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$171,136
Change in 1 year
+9.2%
Overvalued %
−9.3%
Show 6 more
Fair home value
$188,771
Change in 5 years
+13.5%
Home value to income
2.1×
Monthly mortgage payment (20% down)
$927
Income needed to afford it
$37,099
Property tax rate
1.59%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$930
Market activity
Listings vs a year ago
+122.2%
Days on market
39
Listings with a price cut
25.8%
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Homes for sale
20
Pending sales per 100 listings
15
Asking price per sq ft
$114
People and jobs
Median household income
$81,491
Population change (1 year)
−0.7%
Unemployment rate
1.4%
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Population
10,208
Income adjusted for cost of living
$93,239
Net moves in (IRS)
−82
Cost of living (US = 100)
87.4
Schools, risk and environment
School rating (1 to 10)
3.8
FEMA hazard risk score (0 to 100)
25.9
Flood risk score
33.5
Show 3 more
Wildfire risk score
4.7
Walkability (1 to 20)
4.9
Road, rail and air noise
54 dB
Questions people ask
Is Cumberland County, IL overvalued?
Home prices in Cumberland County, IL are slightly below what local incomes have historically supported: fair value is about $188,771, so the area is 9.3% undervalued.
Is Cumberland County, IL a buyer's or seller's market?
Cumberland County, IL is a buyer's market: homes take about 39 days to sell, listings are up 122% from a year ago, 26% of listings have had a price cut.
Are home prices going down in Cumberland County, IL?
Home values in Cumberland County, IL are up 9.2% over the last year.
How much do you need to earn to buy a home in Cumberland County, IL?
A household needs about $37,099 a year to afford the typical home in Cumberland County, IL at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $81,491.