Cumberland County, Maine home prices
Typical home $558,564 · +2.3% in a year · property tax 1.04%
The typical home in Cumberland County is worth $558,564, 36% more than the Maine typical home ($412,002). Values changed +2.3% in the past year and +26.2% over five years. Homeowners here pay a median 1.04% of their home's value in property tax each year ($5,827 on the typical home), versus 0.92% 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 | $111,713 | $446,851 | $3,006 | $0 | $765 | $3,771 | $161,600 |
| 10% down | $55,856 | $502,707 | $3,382 | $209 | $765 | $4,356 | $186,700 |
| 5% down | $27,928 | $530,635 | $3,570 | $221 | $765 | $4,556 | $195,200 |
| 3.5% down (FHA) | $19,550 | $548,447 | $3,689 | $247 | $765 | $4,701 | $201,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.04% 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 Maine · part of the Portland metro area.
Maine counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| York County | $525,406 | +1.9% | 0.96% |
| Lincoln County | $443,362 | +1.1% | 0.85% |
| Knox County | $436,709 | -0.6% | 1.17% |
| Sagadahoc County | $432,225 | +1.7% | 1.04% |
| Hancock County | $419,630 | +2.9% | 0.83% |
| Waldo County | $344,137 | +3.7% | 1.04% |
| Androscoggin County | $328,518 | +1.0% | 1.16% |
| Oxford County | $316,256 | +0.1% | 0.99% |
| Kennebec County | $315,675 | +0.6% | 1.09% |
| Franklin County | $290,988 | +1.0% | 1.04% |
Frequently asked questions
What is the average home price in Cumberland County, ME?
The typical home value in Cumberland County is $558,564 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cumberland County?
About $161,600 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 1.04% of home value a year (Census ACS 2024 5-year estimates).