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City Report · MD

Cumberland

Pop. 18,804·94th most expensive in Maryland·Cumberland rents are up 10.8% over the past year
Median rent (all units)
$1,032/mo
Year-over-Year
+10.8%
Month-over-Month
-2.3%
vs US Median
-$930
Falling (Monthly)
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Most AffordableMost Expensive
Cumberland · $1,032
More affordable than 97% of US cities · National median $1,962/mo
Affordability
26% of income
AFFORDABLE
0%30% benchmark60%+

At $1,032/mo, rent takes about 26% of the local median household income, comfortably within the 30% benchmark.

Income to afford
$41,000/yr
Local median income
$48,162/yr
Based on the 30%-of-income rule using Cumberland's median rent and household income. See the full affordability breakdown →
Medians by bedroom

Rent by unit size

Studio
$680
1 BR
$780
2 BR
$970
3 BR
$1,280
4 BR+
$1,440
Fair Market Rent (HUD)
$970/mo

These are HUD Fair Market Rents, the payment standard for a Housing Choice Voucher (Section 8). They often differ from the $1,032 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 →

Rent trends

12-month history

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Last updated: August 17, 2026

Annual cost
$12,384/yr
At $1,032/mo median
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 10.8% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+10.8% YoY, -2.3% MoM), not inventory.
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Demographics

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.

Population
18,804
Median income
$48,162
Median age
41.1
Renters
40%
Age distribution
19.7%
20.1%
24%
12.9%
23.2%
Under 1819.7%
18–3420.1%
35–5424%
55–6412.9%
65+23.2%
Gender
47.5%
52.5%
Male47.5%
Female52.5%
Race & ethnicity
86.2%
White86.2%
Black4.1%
Hispanic2.4%
Asian0.7%
Other6.6%
Education (25+)
35.6%
32.7%
22.7%
No HS diploma9%
HS diploma35.6%
Some college32.7%
Bachelor's+22.7%
Housing tenure
60%
40%
Owner60%
Renter40%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How Cumberland, MD has changed in 5 years

Income
$43,699 → $48,162
up 10.2%
Population
19,028 → 18,804
down 1.2%
Renter share
43% → 40%
-3.0 pts
Bachelor's+
22% → 22.7%
+0.7 pts

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.

Community

Discussions about Cumberland

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View Cumberland rent history (2015–2026) →
Salary vs rent

Can you afford rent in Cumberland on your salary?

At $1,032/mo, how Cumberland rent compares to typical pay (30% rule).

By apartment size

Cumberland rent by bedroom count

Median rent for each apartment size in Cumberland. Click any size for full breakdown.

Local insights

Tips for renters in Cumberland

About renting in Cumberland, MD

Last updated: August 17, 2026

The median rent in Cumberland is $1,032/mo as of August 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 26% of local median household income ($48,162/yr), Cumberland ranks as affordable compared to the national benchmark of 30%. Rents have increased 10.8% over the past year.

FAQ

Frequently asked questions

Is Cumberland an affordable city for renters?

Cumberland is considered affordable for renters. At $1,032/mo, rent takes approximately 26% of the local median household income ($48,162/yr). The standard benchmark is 30%. Cumberland falls comfortably within that range.

How much income do you need to rent in Cumberland?

To keep rent at or below 30% of gross income, you would need to earn at least $41,000/year (~$20/hour full-time) to afford the median rent of $1,032/mo in Cumberland. The local median household income is $48,162/yr, meaning the typical Cumberland household meets that threshold.

Is rent going up or down in Cumberland?

Rent in Cumberland has increased 10.8% over the past year as of August 2026, putting upward pressure on renter budgets.

How does Cumberland rent compare to other cities in Maryland?

Cumberland is one of the more affordable cities in Maryland for rent, ranking #94 out of 94 tracked cities at $1,032/mo.

Which nearby cities are cheaper to rent in than Cumberland?

Latrobe is nearby and more affordable at $987/mo, which is $45 less than Cumberland.

What percentage of Cumberland residents rent vs. own?

According to Census data, approximately 40% of Cumberland households are renters, while 60% are owner-occupied. Cumberland leans toward homeownership, which can mean a smaller rental inventory.

How does Cumberland rent compare to the national average?

Cumberland's median rent of $1,032/mo is $930 (47%) below the US national median of $1,962/mo. Within Maryland, it ranks #94 out of 94 tracked cities.
Income Affordability
26%
AFFORDABLE

At $1,032/mo, rent takes ~26% of Cumberland's median household income ($48,162/yr). The standard benchmark is 30%.

Cumberland 26%Benchmark 30%
State income tax2–5.75%
Run the Cumberland affordability calculator →
Lowest-rent ZIP codes in Cumberland
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Neighborhoods

Estimated from ZIP-level data

Schools nearby

Public schools near Cumberland, MD

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