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Cumberland County

CountyThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.Kentucky
$168K
Median sale priceThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.
2
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$133K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Apr 2026 · Quarterly intervals (lower sales volume)Counties take time to publish deeds, so the newest months can be incomplete and may shift as more records arrive.

Market Trends

Sale pricesThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.MedianSales
201920212026
Price per square footThe middle price per square foot, for sales where the size is known. It adjusts for homes being different sizes.$/ft²
201920212026
Annual turnover (share of homes sold)The share of all homes here that sold in the trailing 12 months. Higher turnover means a more liquid market where homes trade hands more often.Turnover
201920212026
Buyer mixWho is buying. Cash means no mortgage was recorded, investor means the buyer looked like an investor, and flip means the home resold within a year.CashInvestorFlip resale
201920212026
Financing (share of purchase price)For buyers who borrowed: the middle share of the price they financed, and the middle share they paid up front.Loan (LTV)Down payment
201920212026

Housing Stock

HomesHow many homes we have records for in this area.4,520
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$133K
Median sizeThe middle home size here, measured in square feet.1,272 ft²
Median bedroomsThe middle bedroom count for homes here.3
Median year builtThe middle build year for homes here. A recent year means most housing is newer.2000
Single familyThe share of homes here that are single-family houses.79%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.96%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.0.3%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.48%
Company ownedThe share of homes owned by a company or trust instead of a person.14%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.0%
Typical ownership tenureHow long the typical owner here has held their home.17.9 yrs

CommunityThese are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.120
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.105
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.43

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.77%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.34%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.4%
PopulationHow many people live in this area.6,111
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.20 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$43K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$55K
Average tempThe average temperature here across a full year.57°F
Annual precipHow much rain and melted snow falls here in a typical year.53 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

Market metrics are derived from recorded arms-length deeds and refreshed nightly. Temperature blends price momentum, sales velocity, turnover and resale outcomes, ranked against all countys nationally.

How Cumberland County compares

By median home value, Cumberland County is the 79th most expensive of 120 counties in Kentucky, and its typical home is worth more than 28% of all homes in Kentucky.

Home values in Cumberland County

Share of homes at each estimated value.

Median
$42K$560K
counties in Kentucky ranked by median home value
#KentuckyMedian valueHomes
1Oldham County$441K22,889
2Spencer County$337K6,456
3Boone County$327K45,750
4Fayette County$320K102,261
5Scott County$319K21,612
6Woodford County$315K9,582
7Jessamine County$308K19,534
8Shelby County$298K16,906
9Kenton County$275K56,151
10Campbell County$274K32,375
11Bullitt County$273K32,846
12Warren County$265K38,509
13Jefferson County$259K264,458
14Madison County$252K28,675
15Nelson County$245K20,939
16Clark County$245K13,681
17Simpson County$241K7,015
18Pulaski County$239K30,072
19Montgomery County$236K10,944
20Grant County$236K10,328
21Anderson County$235K10,909
22Bourbon County$230K7,629
23Boyle County$229K9,414
24Hardin County$224K40,928
79Cumberland County$133K4,520

120 counties in Kentucky are ranked; the most valuable are listed here.

About the Cumberland County market

What is the median home price in Cumberland County, KY?

The median sale price in Cumberland County, KY is $167,750 (data through April 2026), based on deeds recorded with the county.

How many homes sell in Cumberland County, KY each year?

2 homes sold in Cumberland County, KY over the last 12 months (data through April 2026). TopHap counts recorded arm's-length deeds, not listings, so the figure is not affected by which brokerage handled the sale.

How many homes are there in Cumberland County, KY?

Cumberland County, KY contains 4,520 residential properties, with a median of 1,272 square feet, 3 bedrooms, built around 2000. The median TopHap Estimate is $133K.

How does Cumberland County, KY compare to the rest of Kentucky?

By median home value, Cumberland County, KY is the 79th most expensive of 120 counties in Kentucky. Its typical home is worth more than 28% of all homes in Kentucky. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Cumberland County, KY?

48% of homes in Cumberland County, KY are owner-occupied. 14% are held by a company rather than an individual.

How much equity do owners in Cumberland County, KY hold?

96% of mortgaged homes in Cumberland County, KY are equity-rich, meaning the loan balance is under half the home's value. 0.3% owe more than the home is worth.

Browse addresses

Every street and address TopHap holds is browsable by state, county and city. Browse Kentucky property records.

Explore Cumberland County on the map

See every recorded sale, price heat map, school zone and flood overlay across Cumberland County in TopHap’s interactive 3D map.

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A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
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