Cost of Living in Cumberland, MD
Population 18,938 · Maryland · Data vintage 2023
(100 = US avg)
Household incomes in Cumberland run well below national norms — a median of $47,819 versus the $74,580 US figure. Housing costs partially offset that gap (typical home values around $121,000). Unemployment has stayed elevated relative to the national figure — 7.7% as of the most recent ACS release — which shows up in household-income and poverty figures as well.
Cumberland lies roughly 85 miles southeast of the nearest major metro, Pittsburgh — close enough that regional housing and labor patterns are shaped largely by the larger market. Median home values run roughly 37% lower than Pittsburgh's $193,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Cumberland
The median home value in Cumberland is $120,800 — 60% below the national median of $305,000. Median rent runs $728/month, 45% lower than the national median of $1,314/month. The median household income of $47,819/year is 36% lower than the US median of $74,580. The local unemployment rate is 7.7%, above the national average of 4.8%. Maryland's top state income tax rate is 5.8% and the combined sales tax is 6.0%. Overall, Cumberland has a cost of living index of 46 versus the US average of 100, meaning it is 54% less expensive.
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🏫 Schools
NCES CCD 2019 — public school district data
Frequently Asked Questions
What is the cost of living in Cumberland, MD?
Cumberland has a cost index of 46 (100 = national average). It is 54% below the national average.
What is average rent in Cumberland, MD?
The median gross rent in Cumberland is $728 per month based on 2023 Census data.
What is the average home price in Cumberland?
The median home value in Cumberland is $120,800 according to Zillow and Census data.
What is the median income in Cumberland?
The median household income in Cumberland is $47,819 per year (2023 ACS 5-year estimates).
What is the sales tax in Cumberland, MD?
The combined state and local sales tax rate in Cumberland is 6.0%. The Maryland state income tax top rate is 5.8%.
Is Cumberland, MD affordable?
Yes, Cumberland is generally considered affordable, with a cost of living index of 46 — about 54% below the US national average of 100.
Cumberland at a Glance
- Population
- 18,938
- Median Income
- $47,819
- Home Value
- $120,800
- Median Rent
- $728/mo
- Unemployment
- 7.7%
- Sales Tax
- 6.0%
Nearby Cities
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Maryland Rankings
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