Cumberland County, Pennsylvania 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 20% below the Pennsylvania median$122,503
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Median rent 3% above the Pennsylvania median More expensive than 85% of counties in Pennsylvania$1,248
Median Home Price Map: Nearby Counties
Housing Market Overview
| Metric | Cumberland County | Pennsylvania Avg | US Average |
|---|---|---|---|
| Median Home Price | $122,503 | $152,469 | $248,835 |
| Price Trend (Annual %) | -2.5% | 3.7% | 7.5% |
| Median Gross Rent | $1,248 | $1,208 | $1,407 |
| Rent Trend (Annual %) | 4.0% | 4.4% | 5.1% |
| Household Income Trend (Annual %) | — | — | — |
The median home price in Cumberland County is about 20% lower than in Pennsylvania. Rent is about 3% higher than the Pennsylvania average.
Median Home and Rent Price Trends
Median Home Prices, 2015-2024
Median Rent Prices, 2015-2024
Home prices and rent are moving in opposite directions in Cumberland County: home prices fell about 2.5% a year while rent rose about 4.0% a year. That is an unusual pattern worth watching.
Median rent in Cumberland County rose about 41.0% between 2015 and 2024, from $886 to $1,248. Over the same span, rent in Pennsylvania rose about 43.9%.
Affordability
On average, housing unit costs 1.4 yearly household incomes in Cumberland County.
Buying the median-priced home in Cumberland County costs roughly 8.2 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 Pennsylvania is about 10.5.
| Metric | Cumberland County | Pennsylvania Avg | US Average |
|---|---|---|---|
| Median Home Price | $122,503 | $152,469 | $248,835 |
| Median Household Income | $88,838 | $78,249 | $80,455 |
| Price-to-Income Ratio | 1.4 | 1.9 | 3.1 |
Home Prices vs Income Over Time
Between 2015 and 2024, the median home price in Cumberland County fell about 16.2%, while median household income rose about 40.0% 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 | Pennsylvania Avg | US Average |
|---|---|---|---|
| Homeownership Rate | 68.2% | 63.0% | 58.5% |
| Rental Rate | 27.4% | 27.9% | 31.2% |
| Vacancy Rate | 4.4% | 9.1% | 10.2% |
| Median Tenure (years) | 15.0 | 17.0 | 15.0 |
| Median Year Moved In | 2011 | 2009 | 2011 |
Cumberland County has a homeownership rate of 68.2%, higher than the Pennsylvania average of 63.0%. Its housing vacancy rate is 4.4%, compared with 9.1% in Pennsylvania.
Housing Stock
| Metric | Cumberland County | Pennsylvania Avg | US Average |
|---|---|---|---|
| Average Household Size | 2.39 people | 2.39 people | 2.53 people |
| Median Structure Built Year | 1975 | 1966 | 1978 |
| Median Number of Rooms | 6.2 | 6.0 | 5.5 |
The typical housing unit in Cumberland County was built around 1975. On average, 2.4 people live in a home with about 6.2 rooms, staying for about 15.0 years on average.
Cumberland County, PA Housing Compared With Nearby Counties
Cumberland County, PA is the 2nd largest of the 6 counties compared here, 267,961 residents against a local median of 106,097. Nothing separates Cumberland County, PA sharply from the counties around it. Each measure below lands within 15% of the local median, close enough that the differences are within what survey sampling alone would produce.
The largest of those small differences is median rent, 14% above the local median at $1,248 against $1,092. Cumberland County, PA has the highest median rent of the 6 areas compared here.
| Area | Population | Median home price | Median rent | Homeownership |
|---|---|---|---|---|
| Cumberland County, PA | 267,961 | $122,503 #4/6 | $1,248 #1/6 | 71.3% #5/6 |
| Perry County, PA | 46,229 | $98,577 | $873 | 81.8% |
| Adams County, PA | 106,097 | $211,932 | $1,114 | 78.9% |
| Juniata County, PA | 23,379 | $175,893 | $756 | 73.8% |
| Franklin County, PA | 157,379 | $92,300 | $1,092 | 73.5% |
| Dauphin County, PA | 289,538 | $131,945 | $1,217 | 63.1% |
Frequently Asked Questions
Common questions about the housing market in Cumberland County, Pennsylvania.
What is the median home price in Cumberland County, Pennsylvania?
The median home price in Cumberland County, Pennsylvania is $122,503, lower than the Pennsylvania average of $152,469.
What is the average home price in Cumberland County, Pennsylvania?
The typical home price in Cumberland County, Pennsylvania, reported as the median sale price, is $122,503. 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, Pennsylvania?
The median gross rent in Cumberland County, Pennsylvania is $1,248 per month, higher than the Pennsylvania average of $1,208.
What was the median gross rent in Cumberland County in 2020?
In 2020, the median gross rent in Cumberland County, Pennsylvania was $1,001 per month.
What is the price-to-rent ratio in Cumberland County, Pennsylvania?
The price-to-rent ratio in Cumberland County, Pennsylvania is about 8.2, meaning it would take roughly 8.2 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, Pennsylvania?
Home prices and rent are moving in opposite directions in Cumberland County: home prices fell about 2.5% a year while rent rose about 4.0% a year. That is an unusual pattern worth watching.
What is the homeownership rate in Cumberland County, Pennsylvania?
68.2% of households in Cumberland County, Pennsylvania own their home, higher than the Pennsylvania average of 63.0%.
What is the vacancy rate in Cumberland County, Pennsylvania?
The housing vacancy rate in Cumberland County, Pennsylvania is 4.4%, lower than the Pennsylvania average of 9.1%.
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