Cumberland County, Tennessee 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.
-
Median home price 9% above the Tennessee median More expensive than 76% of counties in Tennessee$278,289
-
Median rent 29% below the Tennessee median$838
Median Home Price Map: Nearby Counties
Housing Market Overview
| Metric | Cumberland County | Tennessee Avg | US Average |
|---|---|---|---|
| Median Home Price | $278,289 | $255,786 | $248,835 |
| Price Trend (Annual %) | 14.5% | 9.9% | 7.5% |
| Median Gross Rent | $838 | $1,188 | $1,407 |
| Rent Trend (Annual %) | 3.8% | 5.4% | 5.1% |
| Household Income Trend (Annual %) | — | — | — |
The median home price in Cumberland County is about 9% higher than in Tennessee. Rent is about 29% lower than the Tennessee 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 14.5% and 3.8% a year respectively. Home prices are changing faster.
Median rent in Cumberland County rose about 33.2% between 2015 and 2024, from $630 to $838. Over the same span, rent in Tennessee rose about 55.6%.
Affordability
On average, housing unit costs 4.6 yearly household incomes in Cumberland County.
Buying the median-priced home in Cumberland County costs roughly 27.7 years of rent at the median monthly rate. That is a relatively high price-to-rent ratio, which tends to favor renting over buying in Cumberland County. The price-to-rent ratio in Tennessee is about 17.9.
| Metric | Cumberland County | Tennessee Avg | US Average |
|---|---|---|---|
| Median Home Price | $278,289 | $255,786 | $248,835 |
| Median Household Income | $60,349 | $69,901 | $80,455 |
| Price-to-Income Ratio | 4.6 | 3.7 | 3.1 |
Home Prices vs Income Over Time
Between 2015 and 2024, the median home price in Cumberland County rose about 104.5%, while median household income rose about 57.8% between 2009 and 2025 — the home price grew faster than income.
Income Growth vs Housing Cost Growth (Year-over-Year %)
Compare income and housing cost trends.
Occupancy & Tenure
| Metric | Cumberland County | Tennessee Avg | US Average |
|---|---|---|---|
| Homeownership Rate | 71.9% | 60.1% | 58.5% |
| Rental Rate | 17.7% | 29.7% | 31.2% |
| Vacancy Rate | 10.4% | 10.2% | 10.2% |
| Median Tenure (years) | 15.0 | 14.0 | 15.0 |
| Median Year Moved In | 2011 | 2012 | 2011 |
Cumberland County has a homeownership rate of 71.9%, higher than the Tennessee average of 60.1%. Its housing vacancy rate is 10.4%, compared with 10.2% in Tennessee.
Housing Stock
| Metric | Cumberland County | Tennessee Avg | US Average |
|---|---|---|---|
| Average Household Size | 2.23 people | 2.45 people | 2.53 people |
| Median Structure Built Year | 1991 | 1986 | 1978 |
| Median Number of Rooms | 5.8 | 5.7 | 5.5 |
The typical housing unit in Cumberland County was built around 1991. On average, 2.2 people live in a home with about 5.8 rooms, staying for about 15.0 years on average.
Cumberland County, TN Housing Compared With Nearby Counties
How Cumberland County, TN compares with the 2 counties closest to it.
| Area | Population | Median home price | Median rent | Homeownership |
|---|---|---|---|---|
| Cumberland County, TN | 63,553 | $278,289 #1/3 | $838 #2/3 | 80.2% #2/3 |
| Rhea County, TN | 33,992 | $276,685 | $839 | 71.5% |
| Morgan County, TN | 21,361 | $102,917 | $769 | 84.9% |
Frequently Asked Questions
Common questions about the housing market in Cumberland County, Tennessee.
What is the median home price in Cumberland County, Tennessee?
The median home price in Cumberland County, Tennessee is $278,289, higher than the Tennessee average of $255,786.
What is the average home price in Cumberland County, Tennessee?
The typical home price in Cumberland County, Tennessee, reported as the median sale price, is $278,289. 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, Tennessee?
The median gross rent in Cumberland County, Tennessee is $838 per month, lower than the Tennessee average of $1,188.
What was the median gross rent in Cumberland County in 2020?
In 2020, the median gross rent in Cumberland County, Tennessee was $692 per month.
What is the price-to-rent ratio in Cumberland County, Tennessee?
The price-to-rent ratio in Cumberland County, Tennessee is about 27.7, meaning it would take roughly 27.7 years of rent payments at the median rent to equal the median home price. That is a relatively high price-to-rent ratio, which tends to favor renting over buying in Cumberland County.
Are home prices or rent rising faster in Cumberland County, Tennessee?
Both home prices and rent are rising in Cumberland County, up about 14.5% and 3.8% a year respectively. Home prices are changing faster.
What is the homeownership rate in Cumberland County, Tennessee?
71.9% of households in Cumberland County, Tennessee own their home, higher than the Tennessee average of 60.1%.
What is the vacancy rate in Cumberland County, Tennessee?
The housing vacancy rate in Cumberland County, Tennessee is 10.4%, higher than the Tennessee average of 10.2%.
Analyze any area in the US
Get local demographics for any address, aggregated by drive time or radius, on the interactive map.
Explore the map →