Cumberland, PA housing market
Home prices around Cumberland have risen about 46% over the past 5 years.
Home values, sales, trends and how Cumberland compares with the towns next door — updated as new data is published.
Home prices up 46% in 5 years
The federal house price index for the ZIP code around Cumberland rose 46% over the past 5 years, about the same as across Pennsylvania. Last year prices rose 0.7%. Carrying the Census median home value forward with that index puts the typical Cumberland home at roughly $464,000 today.
Show as a table
| Year | Change that year | Since 2000 | Pennsylvania since 2000 |
|---|---|---|---|
| 2025 | +0.7% | +146% | +164% |
| 2024 | +12% | +144% | +152% |
| 2023 | +6.9% | +117% | +138% |
| 2022 | +9.8% | +103% | +122% |
| 2021 | +10% | +85% | +96% |
| 2020 | +2.4% | +68% | +79% |
| 2019 | +5.7% | +64% | +72% |
| 2018 | +4.2% | +55% | +66% |
| 2017 | +0.2% | +49% | +59% |
| 2016 | +2.8% | +49% | +53% |
| 2015 | +2.7% | +45% | +49% |
| 2014 | +0.2% | +41% | +46% |
| 2013 | −0.6% | +41% | +43% |
| 2012 | −3.2% | +42% | +42% |
| 2011 | −5.4% | +46% | +45% |
| 2010 | −5.1% | +55% | +48% |
| 2009 | −8.5% | +63% | +52% |
| 2008 | +3.4% | +78% | +57% |
| 2007 | +1.4% | +72% | +59% |
| 2006 | +12% | +70% | +55% |
| 2005 | +20% | +52% | +44% |
| 2004 | +12% | +27% | +29% |
| 2003 | +4.1% | +14% | +17% |
| 2002 | +5.2% | +9.3% | +12% |
| 2001 | +3.9% | +3.9% | +6.2% |
| 2000 | — | — | — |
How Cumberland ranks on rising home prices →
Federal Housing Finance Agency House Price Index (annual, developmental) for ZIP code 17325, weighted by land area. It tracks repeat sales and appraisals of the same homes, so it shows how prices changed, not what homes cost. The estimated value scales the Census (ACS 2020-2024) median home value by that change.
Cumberland and its neighbors
| Town | Typical value | 1-yr change | 2-bed rent | Median income |
|---|---|---|---|---|
| Cumberland | — | +0.7%† | $1,240 | $83,021 |
| Mount Joy | — | +3%† | $1,350 | $93,917 |
| Straban | — | +3%† | $1,300 | $88,438 |
| Freedom | — | −1.1%† | $1,360 | $120,000 |
| Gettysburg | $370K | +3% | $1,240 | $54,365 |
| Highland | — | +0.2%† | $1,320 | $108,958 |
| Franklin | — | −1.5%† | $1,480 | $100,475 |
† FHFA price index change, where Zillow has no home value for the town.
3.5 years of income
The typical Cumberland home costs about 3.5 years of the town's median household income, about the same as across Pennsylvania (3.7).
How Cumberland ranks on affordability →
Home value ÷ ACS median household income.
Owners, rent & taxes
U.S. Census Bureau, ACS 2020-2024.
A two-bedroom rents for about $1,240
HUD's Fair Market Rent for a two-bedroom in Cumberland is $1,240 a month, utilities included: roughly what a modest, recently rented unit costs. Renters already in Cumberland pay a median of $823, so moving in tends to cost more than staying put. A two-bedroom takes about 18% of the town's median household income.
Studio $910 · 4 bedrooms $1,750
U.S. Department of Housing and Urban Development, FY2026 Fair Market Rents by ZIP code (17325; Gettysburg, PA MSA), weighted by land area. A Fair Market Rent is the 40th-percentile rent plus utilities for a standard unit. Median rent: U.S. Census Bureau, American Community Survey.
Recent listings in Cumberland
Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. Price trend: Federal Housing Finance Agency House Price Index. Fair Market Rents: U.S. Department of Housing and Urban Development. Listings link to their publishers.