Cumberland County, Pennsylvania Housing Market
In Cumberland County, Pennsylvania, the median home value is $277,600, with a median monthly rent of $1,249. This places Cumberland County at #741 nationally out of 3134 counties by median home value, and #10 within Pennsylvania.
📈 Price Trend (2017 → 2024)
📊 Recent Market Momentum (FHFA HPI)
FHFA House Price Index — All-Transactions, Annual (2000 = 100) · Latest: 2025
📍 Economic Snapshot
Employment & Wages
- Avg weekly wage: $1,246
- Establishments: 6,818
- BLS QCEW, 2025
Housing Supply
- Single-family: 607
- Multi-family: 138
- U.S. Census Bureau, Building Permits Survey
Migration Patterns
- Inflow: 116,701 (avg $103,778)
- Outflow: 111,239 (avg $105,237)
- IRS Statistics of Income
📍 Sub-Market Activity
Top 10 active ZIP codes in Cumberland County · Latest: 2025
| # | ZIP Code | HPI | YoY Change | Latest Year |
|---|---|---|---|---|
| 1 | 17053 | 251.0 | -5.48% | 2025 |
| 2 | 17240 | 269.7 | — | 2025 |
| 3 | 17241 | 264.5 | +3.54% | 2025 |
| 4 | 17043 | 232.3 | +2.19% | 2025 |
| 5 | 17257 | 247.5 | +5.24% | 2025 |
| 6 | 17025 | 248.1 | +1.78% | 2025 |
| 7 | 17011 | 248.3 | +3.12% | 2025 |
| 8 | 17050 | 249.0 | +6.55% | 2025 |
| 9 | 17065 | 251.7 | +9.00% | 2025 |
| 10 | 17055 | 240.6 | +2.10% | 2025 |
Source: FHFA HPI for Five-Digit ZIP Codes (All-Transactions Index, 2000 = 100).
This product uses FHFA Data but is neither endorsed nor certified by FHFA.
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💰 Mortgage Guide → 🧾 Property Tax Data →How Cumberland County Compares
| Metric | Cumberland County | Pennsylvania Average | U.S. Average |
|---|---|---|---|
| Median Home Value | $277,600 | $212,079 | $227,706 |
| Median Gross Rent | $1,249 | $990 | $968 |
| Owner Occupancy Rate | 71.3% | 74.2% | 73.3% |
| Price/Rent Ratio | 18.5 | 17.5 | 18.7 |
Market Analysis
The median home value in Cumberland County is 30.9% above the Pennsylvania state average and 21.9% above the U.S. national average. The median rent of $1,249/month is 26.2% above the state average.
With a price-to-rent ratio of 18.5, the buy-vs-rent decision in Cumberland County is balanced. Whether buying or renting makes more sense depends on your time horizon, down payment capacity, and local market conditions.
Cumberland County has an owner-occupancy rate of 71.3%, compared to 74.2% in Pennsylvania and 73.3% nationally. This indicates a more renter-heavy market than the U.S. average.
Similar Counties by Home Value
| County | State | Median Home Value | Median Rent |
|---|---|---|---|
| Boone County | Kentucky | $277,300 | $1,373 |
| Banks County | Georgia | $278,100 | $827 |
| Washington County | Idaho | $278,100 | $938 |
| Humboldt County | Nevada | $278,300 | $994 |
| Charlevoix County | Michigan | $276,800 | $949 |
Other Counties in Pennsylvania
| County | Median Home Value | Median Rent | Owner Occ. |
|---|---|---|---|
| Pike County | $272,600 | $1,378 | 87.0% |
| Adams County | $268,500 | $1,115 | 78.9% |
| Monroe County | $267,600 | $1,393 | 80.2% |
| Butler County | $294,200 | $1,041 | 76.9% |
| Berks County | $257,300 | $1,181 | 71.3% |
Data Source: U.S. Census Bureau, American Community Survey (ACS) 2024 5-Year Estimates (2017–2024). Variables: B25077 (Median Home Value), B25064 (Median Gross Rent), B25003 (Tenure). Data collected on 2026-10-14. The price-to-rent ratio is calculated as Median Home Value ÷ (Median Monthly Rent × 12).