Cumberland County, Kentucky home prices
Typical home $152,713 · -6.0% in a year · property tax 0.54%
The typical home in Cumberland County is worth $152,713, 34% less than the Kentucky typical home ($230,909). Values changed -6.0% in the past year and +11.1% over five years. Homeowners here pay a median 0.54% of their home's value in property tax each year ($823 on the typical home), versus 0.72% 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 | $30,543 | $122,171 | $822 | $0 | $145 | $967 | $41,400 |
| 10% down | $15,271 | $137,442 | $925 | $57 | $145 | $1,127 | $48,300 |
| 5% down | $7,636 | $145,078 | $976 | $60 | $145 | $1,181 | $50,600 |
| 3.5% down (FHA) | $5,345 | $149,947 | $1,009 | $68 | $145 | $1,221 | $52,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.54% 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 Kentucky.
Kentucky counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Russell County | $152,730 | -5.0% | 0.57% |
| Caldwell County | $149,902 | -6.6% | 0.54% |
| Carter County | $155,872 | -5.6% | 0.49% |
| Livingston County | $156,725 | -2.2% | 0.61% |
| Elliott County | $148,498 | -4.8% | 0.61% |
| Monroe County | $147,639 | +5.2% | 0.77% |
| Grayson County | $157,991 | -17.9% | 0.57% |
| Greenup County | $158,959 | +1.2% | 0.87% |
| Clinton County | $146,215 | -10.3% | 0.52% |
| Powell County | $145,749 | -8.1% | 0.62% |
Frequently asked questions
What is the average home price in Cumberland County, KY?
The typical home value in Cumberland County is $152,713 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cumberland County?
About $41,400 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 0.54% of home value a year (Census ACS 2024 5-year estimates).