Cumberland, MD

Very Low · 48

Maryland · Population 18,938 · Updated March 2026

$728
Median Rent / Month
$47,819
Median Income
$120,800
Median Home Value
$802
Owner Costs / Month

Affordability

How far your income goes in Cumberland

18.3%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in Maryland

State-level tax rates that affect your costs

5.75%
Income Tax (Top Rate)
6.0%
Sales Tax
1.07%
Property Tax Rate

Estimated Annual Costs

$8,736
Annual Rent
$2,750
State Income Tax
$1,293
Property Tax (est.)

Cost of Living Overview

Cumberland is significantly cheaper than the national average, making it an attractive option for budget-conscious individuals and families. With a cost index of 48 (where 100 equals the national median), Cumberland residents can expect to pay median rent of $728/month while earning a median household income of $47,819/year.

The median home value in Cumberland, MD is $120,800, with typical monthly owner costs around $802 including mortgage, insurance, and taxes. The median rent-to-income ratio of 18.3% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

Maryland has a moderate income tax rate of 5.75%. Combined with a 6.0% sales tax rate and 1.07% effective property tax rate, the overall tax environment is a factor in the total cost of living in Cumberland.

Frequently Asked Questions

Common questions about living costs in Cumberland

What is the cost of living in Cumberland, MD?
The cost of living index in Cumberland, MD is 48 (US average = 100). Median monthly rent is $728, median household income is $47,819/year, and the median home value is $120,800.
Is Cumberland, MD affordable?
Yes, Cumberland is more affordable than the national average with a cost index of 48. The rent-to-income ratio is 18.3%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Cumberland, MD?
The median gross rent in Cumberland, MD is $728 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $8,736.
What is the median household income in Cumberland?
The median household income in Cumberland, MD is $47,819 per year. This compares to the national median of approximately $80,000.
What are the taxes like in Maryland?
Maryland has a top income tax rate of 5.75%, a sales tax of 6.0%, and an effective property tax rate of 1.07%.