At $1,018/mo, rent takes about 25% of the local median household income, comfortably within the 30% benchmark.
Rent by unit size
These are HUD Fair Market Rents, the payment standard for a Housing Choice Voucher (Section 8). They often differ from the $1,018 market median above, and that is expected: FMR is the 40th percentile of standard-quality units and counts gross rent, so it includes essential utilities such as electricity, water, gas, sewer, and trash. The market median is asking rent, which usually excludes utilities. HUD sets FMR once a year; market rent here updates monthly.
Source: HUD Small Area Fair Market Rents. Read the methodology →
12-month history
Last updated: October 17, 2026
What the numbers show
Rent in Cumberland changed +5.4% over the year to September 2026. Across the 81 Maryland cities Zillow tracks, the typical change was +2.4%.
Rent has risen 4 months in a row, and rose in 9 of the last 12 months.
30% of the median household income ($48,162) is $1,204 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($970); a 3-bedroom is $1,280.
From Zillow's monthly rent index (ZORI) for Cumberland. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.
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Who lives here
Cumberland, MD is majority owner-occupied, has a large retiree population, has a median income below the national average, 22.7% of residents hold a bachelor's degree or higher.
Source: U.S. Census Bureau · ACS 2024 5-Year Estimates
How Cumberland, MD has changed in 5 years
On the earnings side, the typical household in Cumberland, MD now reports about $48,162, up from $43,699 in 2021. Headcount in the area went from 19,028 to 18,804 between 2021 and 2024, a 1.2% change. About 40% of households rent today, against 43% in 2021.
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Can you afford rent in Cumberland on your salary?
At $1,018/mo, how Cumberland rent compares to typical pay (30% rule).
Cumberland rent by bedroom count
Median rent for each apartment size in Cumberland. Click any size for full breakdown.
Tips for renters in Cumberland
Last updated: October 17, 2026
The median rent in Cumberland is $1,018/mo as of October 2026. A studio apartment averages $680/mo while a 2-bedroom runs $970/mo. One-bedroom apartments average $780/mo and 3-bedroom units go for $1,280/mo.
At 25% of local median household income ($48,162/yr), Cumberland ranks as affordable compared to the national benchmark of 30%. Rents have increased 5.4% over the past year.
Frequently asked questions
How much income do you need to rent in Cumberland?
Is rent going up or down in Cumberland?
How does Cumberland rent compare to other cities in Maryland?
At $1,018/mo, rent takes ~25% of Cumberland's median household income ($48,162/yr). The standard benchmark is 30%.
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Estimated from ZIP-level data
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