Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$288,159+9.4% YoY · prices are rising fast
Market right nowBalanced marketMore homes for sale than last year, 16% have cut their price
Income needed to buy, per year$62,467About 1.0× the local median income ($62,104): a stretch for a typical household
Days on market43 daysSlower than a year ago: buyers have time to negotiate
The typical home in Cumberland County, VA is worth $288,159, up 9.4% from a year ago. That is well above what local incomes have historically supported: fair value is about $247,212, so the area is 16.6% overvalued. It is a balanced market: homes take about 43 days to sell, listings are up 73% from a year ago, 16% of listings have had a price cut. A household needs about $62,467 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 $62,104. In the latest IRS figures, 128 more people moved in than out.
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
$288,159
Change in 1 year
+9.4%
Overvalued %
+16.6%
Show 6 more
Fair home value
$247,212
Change in 5 years
+34.5%
Home value to income
4.6×
Monthly mortgage payment (20% down)
$1,562
Income needed to afford it
$62,467
Property tax rate
0.57%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,046
Market activity
Listings vs a year ago
+73.1%
Days on market
43
Listings with a price cut
16.2%
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Homes for sale
45
Pending sales per 100 listings
40
Asking price per sq ft
$216
People and jobs
Median household income
$62,104
Population change (1 year)
+1.5%
Unemployment rate
3.3%
Show 4 more
Population
10,352
Income adjusted for cost of living
$70,253
Net moves in (IRS)
+128
Cost of living (US = 100)
88.4
Schools, risk and environment
School rating (1 to 10)
3.4
FEMA hazard risk score (0 to 100)
19.7
Flood risk score
16.5
Show 3 more
Wildfire risk score
8.1
Walkability (1 to 20)
4.3
Road, rail and air noise
55 dB
Questions people ask
Is Cumberland County, VA overvalued?
Home prices in Cumberland County, VA are well above what local incomes have historically supported: fair value is about $247,212, so the area is 16.6% overvalued.
Is Cumberland County, VA a buyer's or seller's market?
Cumberland County, VA is a balanced market: homes take about 43 days to sell, listings are up 73% from a year ago, 16% of listings have had a price cut.
Are home prices going down in Cumberland County, VA?
Home values in Cumberland County, VA are up 9.4% over the last year.
How much do you need to earn to buy a home in Cumberland County, VA?
A household needs about $62,467 a year to afford the typical home in Cumberland County, VA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $62,104.