Housing decision brief
Cumberland County, VA Housing Market
Cumberland County screens as a below-state purchase price, below-state rent, a higher tax-rate signal market. Use the page as a decision brief, not just a price lookup, because local income, taxes, and data confidence change how affordable the county really is.
53rd lowest home value out of 133 Virginia counties with data | 35th lowest rent out of 133
Median home value
$220,100
Purchase-price signal from Census ACS.
Median rent
$847/mo
Gross rent, including utilities where reported.
Monthly owner cost
$850/mo
Owner costs before individual loan terms.
Decision snapshot
Read this county in four signals.
Buy screen
3.9x
Median home value divided by local household income.
Rent burden
22.0%
Below 30% usually screens as less pressured.
Rent vs own
$3/mo
Median rent screens below owner cost.
Data confidence
1 note
Crime coverage is partial, so safety comparisons need source context.
What Works
Lower purchase price
$220,100 median home value is 9% below Virginia county median
Lower rent
$847/mo is 19% below Virginia county median
Rent burden below pressure line
22.00% of renter income goes to rent, below the 30% burden threshold.
Low disaster-risk signal
Risk score is 80.3 out of 100, a stronger cross-check for long-term ownership costs.
What to Check
Lower income base
$57,057 median income is 14% below Virginia county median
Tax rate needs attention
0.64% effective property-tax rate is 1% above Virginia county median
Crime data coverage
Crime data coverage is partial. Treat zero or low crime rates as incomplete until you check the source coverage.
Best Fit For
- Renters trying to keep rent below the burden threshold
- Long-term owners who care about disaster-risk exposure
- Remote earners or cash buyers looking below the state price line
Poor Fit For
- Households dependent on a deep local wage market
- Anyone treating reported crime rates as complete without source context
County vs State vs National
The county number only matters after you see the benchmark. These comparisons show where Cumberland County is genuinely cheap, where it is average, and where the hidden cost may be.
| Metric | County | State | U.S. | Signal |
|---|---|---|---|---|
Median home value Lower usually helps affordability. | $220,100 | $240,900 | $281,900 | 9% favorable9% below Virginia county median |
Median gross rent Lower usually helps affordability. | $847 | $1,043 | $1,163 | 19% favorable19% below Virginia county median |
Monthly owner cost Lower usually helps affordability. | $850 | $978 | $1,672 | 13% favorable13% below Virginia county median |
Median household income | $57,057 | $66,718 | $74,755 | 14% pressure14% below Virginia county median |
Effective property-tax rate Lower usually helps affordability. | 0.64% | 0.63% | 1.02% | Near state median1% above Virginia county median |
Rent burden Lower usually helps affordability. | 22.00% | 28.00% | N/A | 21% favorable22.00% of renter income goes to rent. |
Income Fit
A low price only helps if local income can carry the monthly cost. This panel compares the county income base with rent and owner-cost thresholds.
Rent cushion
+$23,177
Median income minus rent threshold.
Owner cushion
+$20,628
Median income minus owner-cost threshold.
Affordability Advisory
This turns the raw housing numbers into income and buy-versus-rent screens.
Affordability verdict
Cumberland County is affordable for renters, with a median gross rent of $847/month representing approximately 17.8% of median household income. The rent burden (GRAPI) stands at 22.0%.
Rent vs own
The median rent in Cumberland County is $847/month, while owner costs run $850/month. Renting saves approximately $3/month.
Income needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $33,880/year. For owner costs at the 28% rule, the required income is roughly $36,429/year. With a median household income of $57,057, most households can comfortably afford rent here. Notably, 22.0% of renter households in Cumberland County are cost-burdened, spending more than 30% of income on housing.
Regional context
Cumberland County sits 6% less expensive than Prince Edward County ($898/month) in terms of median gross rent.
Better Counties to Compare
Similar counties are matched on home value, rent, income, and state context. This is more useful than a simple nearest-price list.
| County | Home Value | Rent | Why compare |
|---|---|---|---|
| Page County, VA | $221,800 | $851/mo | Same-state comparison near $221,800 home value and $851/mo rent. |
| Floyd County, VA | $215,500 | $826/mo | Same-state comparison near $215,500 home value and $826/mo rent. |
| Bath County, VA | $206,000 | $825/mo | Same-state comparison near $206,000 home value and $825/mo rent. |
| Prince Edward County, VA | $203,700 | $898/mo | Same-state comparison near $203,700 home value and $898/mo rent. |
| Essex County, VA | $228,600 | $967/mo | Same-state comparison near $228,600 home value and $967/mo rent. |
Data Confidence
- Crime coverage is partial, so safety comparisons need source context.
Next Checks
Housing Questions for Cumberland County
Is Cumberland County affordable for buying a home?
Is renting or owning cheaper in Cumberland County?
How much income do you need for housing in Cumberland County?
What should I double-check before moving to Cumberland County?
Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.