Cumberland County, Tennessee home prices
Typical home $306,289 · +0.8% in a year · property tax 0.29%
The typical home in Cumberland County is worth $306,289, 7% less than the Tennessee typical home ($330,844). Values changed +0.8% in the past year and +29.3% over five years. Homeowners here pay a median 0.29% of their home's value in property tax each year ($893 on the typical home), versus 0.46% 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 | $61,258 | $245,031 | $1,648 | $0 | $228 | $1,876 | $80,400 |
| 10% down | $30,629 | $275,660 | $1,854 | $115 | $228 | $2,197 | $94,100 |
| 5% down | $15,314 | $290,975 | $1,957 | $121 | $228 | $2,306 | $98,800 |
| 3.5% down (FHA) | $10,720 | $300,741 | $2,023 | $135 | $228 | $2,386 | $102,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.29% 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 Tennessee · part of the Crossville metro area.
Tennessee counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Washington County | $305,353 | +1.9% | 0.52% |
| Smith County | $307,229 | +4.7% | 0.47% |
| Coffee County | $308,088 | +1.6% | 0.57% |
| Putnam County | $312,125 | +1.2% | 0.48% |
| Meigs County | $299,889 | +6.0% | 0.39% |
| Anderson County | $313,013 | +3.0% | 0.54% |
| Bradley County | $313,180 | +1.4% | 0.45% |
| Dekalb County | $298,340 | +2.1% | 0.35% |
| Franklin County | $315,281 | +2.5% | 0.53% |
| Roane County | $296,784 | +4.5% | 0.53% |
Frequently asked questions
What is the average home price in Cumberland County, TN?
The typical home value in Cumberland County is $306,289 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cumberland County?
About $80,400 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 0.29% of home value a year (Census ACS 2024 5-year estimates).