Cumberland County, Illinois home prices
Typical home $171,136 · +9.2% in a year · property tax 1.59%
The typical home in Cumberland County is worth $171,136, 42% less than the Illinois typical home ($295,943). Values changed +9.2% in the past year and +13.5% over five years. Homeowners here pay a median 1.59% of their home's value in property tax each year ($2,722 on the typical home), versus 1.92% statewide.
Mortgage on the typical Cumberland County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $34,227 | $136,909 | $921 | $0 | $312 | $1,233 | $52,900 |
| 10% down | $17,114 | $154,022 | $1,036 | $64 | $312 | $1,413 | $60,500 |
| 5% down | $8,557 | $162,579 | $1,094 | $68 | $312 | $1,474 | $63,200 |
| 3.5% down (FHA) | $5,990 | $168,036 | $1,130 | $76 | $312 | $1,518 | $65,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.59% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Illinois · part of the Charleston metro area.
Illinois counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Jasper County | $170,549 | +11.1% | 1.95% |
| Henry County | $171,732 | +8.0% | 1.99% |
| Livingston County | $172,343 | +10.9% | 2.05% |
| Washington County | $167,931 | +10.0% | 1.87% |
| Mercer County | $175,685 | +7.8% | 1.96% |
| Peoria County | $166,288 | +5.8% | 2.24% |
| Brown County | $166,141 | +1.6% | 1.52% |
| Shelby County | $165,331 | +4.6% | 1.5% |
| Saint Clair County | $177,682 | +1.2% | 2.03% |
| Dewitt County | $163,837 | +9.6% | 1.78% |
Frequently asked questions
What is the average home price in Cumberland County, IL?
The typical home value in Cumberland County is $171,136 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cumberland County?
About $52,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Cumberland County?
The median effective rate is 1.59% of home value a year (Census ACS 2024 5-year estimates).