Cumberland County, Pennsylvania home prices
Typical home $341,579 · +2.2% in a year · property tax 1.17%
The typical home in Cumberland County is worth $341,579, 19% more than the Pennsylvania typical home ($287,078). Values changed +2.2% in the past year and +31.0% over five years. Homeowners here pay a median 1.17% of their home's value in property tax each year ($4,004 on the typical home), versus 1.12% 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 | $68,316 | $273,263 | $1,838 | $0 | $504 | $2,343 | $100,400 |
| 10% down | $34,158 | $307,421 | $2,068 | $128 | $504 | $2,701 | $115,700 |
| 5% down | $17,079 | $324,500 | $2,183 | $135 | $504 | $2,823 | $121,000 |
| 3.5% down (FHA) | $11,955 | $335,392 | $2,256 | $151 | $504 | $2,912 | $124,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.17% 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 Pennsylvania · part of the Harrisburg metro area.
Pennsylvania counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Adams County | $331,644 | +3.0% | 1.33% |
| Butler County | $331,467 | -1.8% | 1.01% |
| Centre County | $351,727 | +2.4% | 1.05% |
| Delaware County | $362,572 | +2.6% | 1.84% |
| Lehigh County | $363,024 | +3.8% | 1.55% |
| Lebanon County | $319,829 | +5.1% | 1.37% |
| Monroe County | $310,974 | +1.7% | 1.66% |
| Berks County | $310,918 | +3.5% | 1.65% |
| York County | $309,136 | +3.4% | 1.61% |
| Northampton County | $374,198 | +3.5% | 1.52% |
Frequently asked questions
What is the average home price in Cumberland County, PA?
The typical home value in Cumberland County is $341,579 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cumberland County?
About $100,400 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 1.17% of home value a year (Census ACS 2024 5-year estimates).