Cumberland County, Illinois Housing Market Prices
Cumberland County Home Prices and Rent at a Glance
The median home price (often called the average home price), rent costs, affordability metrics, and housing stock characteristics for this housing market.
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Median home price 60% below the Illinois median$59,334
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Median rent 39% below the Illinois median Cheaper than 75% of counties in Illinois$772
Median Home Price Map: Nearby Counties
Housing Market Overview
| Metric | Cumberland County | Illinois Avg | US Average |
|---|---|---|---|
| Median Home Price | $59,334 | $149,936 | $248,835 |
| Price Trend (Annual %) | 0.7% | 2.5% | 7.5% |
| Median Gross Rent | $772 | $1,274 | $1,407 |
| Rent Trend (Annual %) | 5.1% | 4.1% | 5.1% |
| Household Income Trend (Annual %) | — | — | — |
The median home price in Cumberland County is about 60% lower than in Illinois. Rent is about 39% lower than the Illinois average.
Median Home and Rent Price Trends
Median Home Prices, 2015-2024
Median Rent Prices, 2015-2024
Both home prices and rent are rising in Cumberland County, up about 0.7% and 5.1% a year respectively. Rent is changing faster.
Median rent in Cumberland County rose about 50.0% between 2015 and 2024, from $514 to $772. Over the same span, rent in Illinois rose about 40.4%.
Affordability
On average, housing unit costs 0.8 yearly household incomes in Cumberland County.
Buying the median-priced home in Cumberland County costs roughly 6.4 years of rent at the median monthly rate. That is a relatively low price-to-rent ratio, which tends to favor buying over renting in Cumberland County. The price-to-rent ratio in Illinois is about 9.8.
| Metric | Cumberland County | Illinois Avg | US Average |
|---|---|---|---|
| Median Home Price | $59,334 | $149,936 | $248,835 |
| Median Household Income | $73,571 | $84,042 | $80,455 |
| Price-to-Income Ratio | 0.8 | 1.8 | 3.1 |
Home Prices vs Income Over Time
Between 2015 and 2024, the median home price in Cumberland County fell about 33.1%, while median household income rose about 62.0% between 2009 and 2025 — income grew faster than the home price.
Income Growth vs Housing Cost Growth (Year-over-Year %)
Compare income and housing cost trends.
Occupancy & Tenure
| Metric | Cumberland County | Illinois Avg | US Average |
|---|---|---|---|
| Homeownership Rate | 74.4% | 61.9% | 58.5% |
| Rental Rate | 14.0% | 30.4% | 31.2% |
| Vacancy Rate | 11.6% | 7.7% | 10.2% |
| Median Tenure (years) | 18.0 | 16.0 | 15.0 |
| Median Year Moved In | 2008 | 2010 | 2011 |
Cumberland County has a homeownership rate of 74.4%, higher than the Illinois average of 61.9%. Its housing vacancy rate is 11.6%, compared with 7.7% in Illinois.
Housing Stock
| Metric | Cumberland County | Illinois Avg | US Average |
|---|---|---|---|
| Average Household Size | 2.44 people | 2.46 people | 2.53 people |
| Median Structure Built Year | 1969 | 1969 | 1978 |
| Median Number of Rooms | 5.8 | 5.6 | 5.5 |
The typical housing unit in Cumberland County was built around 1969. On average, 2.4 people live in a home with about 5.8 rooms, staying for about 18.0 years on average.
Cumberland County, IL Housing Compared With Nearby Counties
Cumberland County, IL is the smallest of the 5 counties compared here, 10,330 residents against a local median of 27,135. The measure that sets Cumberland County, IL apart most is median home price: $59,334, 70% below the local median of $195,452.
The counties themselves spread $699,638 on median home price, so Cumberland County, IL sits at one end of an already wide local range rather than apart from it. Cumberland County, IL has the 4th highest median home price of the 5 areas compared here.
| Area | Population | Median home price | Median rent | Homeownership |
|---|---|---|---|---|
| Cumberland County, IL | 10,330 | $59,334 #4/5 | $772 #4/5 | 84.2% #1/5 |
| Coles County, IL | 46,775 | $754,281 | $779 | 60.4% |
| Effingham County, IL | 34,520 | $219,711 | $732 | 78.2% |
| Clark County, IL | 15,265 | $171,192 | $860 | 80.3% |
| Douglas County, IL | 19,749 | $54,642 | $847 | 76.9% |
Frequently Asked Questions
Common questions about the housing market in Cumberland County, Illinois.
What is the median home price in Cumberland County, Illinois?
The median home price in Cumberland County, Illinois is $59,334, lower than the Illinois average of $149,936.
What is the average home price in Cumberland County, Illinois?
The typical home price in Cumberland County, Illinois, reported as the median sale price, is $59,334. The median is used instead of a mathematical average because it is not skewed by a small number of very expensive or very cheap homes, so it better reflects what a typical buyer pays.
What is the median rent in Cumberland County, Illinois?
The median gross rent in Cumberland County, Illinois is $772 per month, lower than the Illinois average of $1,274.
What was the median gross rent in Cumberland County in 2020?
In 2020, the median gross rent in Cumberland County, Illinois was $588 per month.
What is the price-to-rent ratio in Cumberland County, Illinois?
The price-to-rent ratio in Cumberland County, Illinois is about 6.4, meaning it would take roughly 6.4 years of rent payments at the median rent to equal the median home price. That is a relatively low price-to-rent ratio, which tends to favor buying over renting in Cumberland County.
Are home prices or rent rising faster in Cumberland County, Illinois?
Both home prices and rent are rising in Cumberland County, up about 0.7% and 5.1% a year respectively. Rent is changing faster.
What is the homeownership rate in Cumberland County, Illinois?
74.4% of households in Cumberland County, Illinois own their home, higher than the Illinois average of 61.9%.
What is the vacancy rate in Cumberland County, Illinois?
The housing vacancy rate in Cumberland County, Illinois is 11.6%, higher than the Illinois average of 7.7%.
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