Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$227,993+0.4% YoY · prices are flat
Market right nowBuyer's marketMore homes for sale than last year, 22% have cut their price
Income needed to buy, per year$49,424About 0.8× the local median income ($60,831): affordable for a typical household
Days on market64 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+0.9%Zillow expects prices to rise slightly
The typical home in Cumberland County, NC is worth $227,993, about the same as a year ago. That is well above what local incomes have historically supported: fair value is about $201,787, so the area is 13.0% overvalued. It is a buyer's market: homes take about 64 days to sell, listings are up 19% from a year ago, 22% of listings have had a price cut. Zillow expects prices to rise about 0.9% over the next year. A household needs about $49,424 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 $60,831. Typical rent is $1,382 a month, or $1,622 for a house. In the latest IRS figures, 2,393 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
$227,993
Change in 1 year
+0.4%
Overvalued %
+13.0%
Show 7 more
Fair home value
$201,787
Change in 5 years
+34.9%
Zillow forecast, next 12 months
+0.9%
Home value to income
3.7×
Monthly mortgage payment (20% down)
$1,236
Income needed to afford it
$49,424
Property tax rate
0.93%
Rent and investing
Typical rent
$1,382
Typical rent for houses
$1,622
Price-to-rent ratio
13.8×
Show 3 more
HUD Fair Market Rent, 2 bedrooms
$1,476
Gross rental yield
7.27%
Cap rate (estimate)
4.73%
Market activity
Listings vs a year ago
+19.0%
Days on market
64
Listings with a price cut
21.7%
Show 3 more
Homes for sale
1,460
Pending sales per 100 listings
34
Asking price per sq ft
$153
People and jobs
Median household income
$60,831
Population change (1 year)
+0.4%
Unemployment rate
7.6%
Show 4 more
Population
338,473
Income adjusted for cost of living
$66,121
Net moves in (IRS)
−2,393
Cost of living (US = 100)
92.0
Schools, risk and environment
School rating (1 to 10)
4.8
FEMA hazard risk score (0 to 100)
89.5
Unhealthy air days a year
0
Show 4 more
Flood risk score
89.2
Wildfire risk score
84.2
Walkability (1 to 20)
6.6
Road, rail and air noise
55 dB
Questions people ask
Is Cumberland County, NC overvalued?
Home prices in Cumberland County, NC are well above what local incomes have historically supported: fair value is about $201,787, so the area is 13.0% overvalued.
Is Cumberland County, NC a buyer's or seller's market?
Cumberland County, NC is a buyer's market: homes take about 64 days to sell, listings are up 19% from a year ago, 22% of listings have had a price cut.
Are home prices going down in Cumberland County, NC?
Home values in Cumberland County, NC are up 0.4% over the last year. Zillow's forecast for the next 12 months is +0.9%.
How much do you need to earn to buy a home in Cumberland County, NC?
A household needs about $49,424 a year to afford the typical home in Cumberland County, NC at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $60,831.