Cumberland County, North Carolina home prices
Typical home $227,993 · +0.4% in a year · property tax 0.93%
The typical home in Cumberland County is worth $227,993, 31% less than the North Carolina typical home ($332,159). Values changed +0.4% in the past year and +34.9% over five years. Homeowners here pay a median 0.93% of their home's value in property tax each year ($2,117 on the typical home), versus 0.64% 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 | $45,599 | $182,395 | $1,227 | $0 | $290 | $1,517 | $65,000 |
| 10% down | $22,799 | $205,194 | $1,380 | $85 | $290 | $1,756 | $75,300 |
| 5% down | $11,400 | $216,594 | $1,457 | $90 | $290 | $1,838 | $78,800 |
| 3.5% down (FHA) | $7,980 | $223,864 | $1,506 | $101 | $290 | $1,897 | $81,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.93% 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 North Carolina · part of the Fayetteville metro area.
North Carolina counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Graham County | $226,187 | +1.8% | 0.57% |
| Wilkes County | $225,067 | +4.5% | 0.59% |
| Chowan County | $231,388 | +5.0% | 0.71% |
| Hyde County | $223,074 | +4.5% | 0.79% |
| Caldwell County | $233,547 | +0.8% | 0.6% |
| Yadkin County | $233,897 | +3.8% | 0.67% |
| Nash County | $234,011 | +1.5% | 0.71% |
| Warren County | $221,073 | +4.8% | 0.71% |
| Beaufort County | $235,091 | +1.6% | 0.67% |
| Mitchell County | $236,388 | +3.4% | 0.52% |
Frequently asked questions
What is the average home price in Cumberland County, NC?
The typical home value in Cumberland County is $227,993 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cumberland County?
About $65,000 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 0.93% of home value a year (Census ACS 2024 5-year estimates).