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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.Virginia
$193K
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.
20
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$273K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Jun 2026Counties 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
AprMayJun
Sale premium vs estimated valueHow sale prices compare with our estimated values at the time of sale. Above the dashed line, homes sold for more than the models expected — a sign of competitive bidding. Below it, buyers paid under model value.Premium
AprMayJun
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
AprMayJun
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
AprMayJun
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
AprMayJun
Preforeclosure filingsForeclosure notices filed each month. A rise can be an early sign that more owners are struggling. Auction stage counts the filings that reached a scheduled foreclosure auction.FilingsAuction stage
20162017201820202022202320252026

Housing Stock

HomesHow many homes we have records for in this area.4,884
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$273K
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.1989
Single familyThe share of homes here that are single-family houses.72%

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.83%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.0%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.60%
Company ownedThe share of homes owned by a company or trust instead of a person.9.0%
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.126.7 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.107
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.99
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.79

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.88%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.10%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.10%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.8%
PopulationHow many people live in this area.10,160
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.34 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$64K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$94K
Average tempThe average temperature here across a full year.56°F
Annual precipHow much rain and melted snow falls here in a typical year.45 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.63%

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 68th most expensive of 133 counties in Virginia, and its typical home is worth more than 31% of all homes in Virginia.

Home values in Cumberland County

Share of homes at each estimated value.

Median
$80K$557K
counties in Virginia ranked by median home value
#VirginiaMedian valueHomes
1Falls Church city$1.2M4,313
2Arlington County$884K63,367
3Loudoun County$835K134,006
4Fairfax County$803K339,080
5Fairfax city$757K8,343
6Alexandria city$751K46,318
7Fauquier County$667K26,038
8Rappahannock County$614K3,762
9Prince William County$601K136,071
10Albemarle County$546K39,589
11Stafford County$543K50,752
12Clarke County$521K6,352
13Manassas city$508K11,841
14Culpeper County$505K18,128
15Charlottesville city$497K13,186
16Fredericksburg city$494K7,592
17King George County$488K10,105
18James City County$485K31,423
19Manassas Park city$484K4,629
20York County$467K22,514
21Spotsylvania County$463K49,774
22Poquoson city$459K4,776
23Williamsburg city$459K3,669
24Goochland County$445K11,476
68Cumberland County$273K4,884

133 counties in Virginia are ranked; the most valuable are listed here.

About the Cumberland County market

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

The median sale price in Cumberland County, VA is $193,333 (data through June 2026), based on deeds recorded with the county.

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

20 homes sold in Cumberland County, VA over the last 12 months (data through June 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, VA?

Cumberland County, VA contains 4,884 residential properties, with 3 bedrooms, built around 1989. The median TopHap Estimate is $273K.

How does Cumberland County, VA compare to the rest of Virginia?

By median home value, Cumberland County, VA is the 68th most expensive of 133 counties in Virginia. Its typical home is worth more than 31% of all homes in Virginia. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Cumberland County, VA?

60% of homes in Cumberland County, VA are owner-occupied. 9% are held by a company rather than an individual.

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

83% of mortgaged homes in Cumberland County, VA are equity-rich, meaning the loan balance is under half the home's value. 0.0% owe more than the home is worth.

Browse addresses

Every street and address TopHap holds is browsable by state, county and city. Browse Virginia 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
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map