Cumberland County, New Jersey home prices
Typical home $273,036 · +0.9% in a year · property tax 2.28%
The typical home in Cumberland County is worth $273,036, 53% less than the New Jersey typical home ($575,123). Values changed +0.9% in the past year and +33.7% over five years. Homeowners here pay a median 2.28% of their home's value in property tax each year ($6,230 on the typical home), versus 1.82% 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 | $54,607 | $218,429 | $1,469 | $0 | $656 | $2,125 | $91,100 |
| 10% down | $27,304 | $245,733 | $1,653 | $102 | $656 | $2,411 | $103,300 |
| 5% down | $13,652 | $259,385 | $1,745 | $108 | $656 | $2,509 | $107,500 |
| 3.5% down (FHA) | $9,556 | $268,091 | $1,803 | $121 | $656 | $2,580 | $110,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 2.28% 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 New Jersey · part of the Vineland metro area.
New Jersey counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Salem County | $297,450 | +3.1% | 2.93% |
| Camden County | $353,585 | +4.2% | 2.83% |
| Gloucester County | $381,762 | +4.0% | 2.6% |
| Atlantic County | $383,102 | +4.0% | 2.3% |
| Warren County | $417,688 | +1.7% | 2.34% |
| Burlington County | $418,637 | +2.2% | 2.26% |
| Mercer County | $439,984 | +0.2% | 2.36% |
| Sussex County | $445,283 | +2.7% | 2.32% |
| Ocean County | $551,299 | +4.8% | 1.65% |
| Middlesex County | $579,852 | +3.1% | 2.1% |
Frequently asked questions
What is the average home price in Cumberland County, NJ?
The typical home value in Cumberland County is $273,036 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cumberland County?
About $91,100 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 2.28% of home value a year (Census ACS 2024 5-year estimates).