Cumberland County, Virginia home prices
Typical home $288,159 · +9.4% in a year · property tax 0.57%
The typical home in Cumberland County is worth $288,159, 30% less than the Virginia typical home ($412,252). Values changed +9.4% in the past year and +34.5% over five years. Homeowners here pay a median 0.57% of their home's value in property tax each year ($1,639 on the typical home), versus 0.71% 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 | $57,632 | $230,528 | $1,551 | $0 | $281 | $1,831 | $78,500 |
| 10% down | $28,816 | $259,343 | $1,745 | $108 | $281 | $2,133 | $91,400 |
| 5% down | $14,408 | $273,751 | $1,842 | $114 | $281 | $2,236 | $95,800 |
| 3.5% down (FHA) | $10,086 | $282,940 | $1,903 | $127 | $281 | $2,311 | $99,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.57% 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 Virginia.
Virginia counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Staunton City | $288,132 | +3.8% | 0.7% |
| Appomattox County | $289,196 | +7.8% | 0.52% |
| Salem City | $290,648 | +3.8% | 0.9% |
| Newport News City | $291,426 | +2.8% | 1.01% |
| Highland County | $283,985 | +3.4% | 0.57% |
| Waynesboro City | $293,551 | +2.0% | 0.67% |
| Colonial Heights City | $280,370 | +0.5% | 0.84% |
| Essex County | $296,194 | +2.9% | 0.57% |
| Surry County | $279,671 | +1.4% | 0.69% |
| Hampton City | $279,270 | +2.5% | 0.95% |
Frequently asked questions
What is the average home price in Cumberland County, VA?
The typical home value in Cumberland County is $288,159 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cumberland County?
About $78,500 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 0.57% of home value a year (Census ACS 2024 5-year estimates).