Cumberland County, ME Average Home Price (2026)
The average home price in Cumberland County, Maine is about $541,000 (the 2026 median across 37 ZIP codes, at ~$367/sq ft) — 54% more expensive than the Maine median and 87% more expensive than the typical U.S. home.
How Cumberland County compares
Cumberland County is relatively expensive for housing nationally: its typical home costs $541,000 against $351,000 for Maine and $289,000 for the U.S. Within the county, ZIP-level values run from about $399,000 to $1,315,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Cumberland County | $541,000 | $367 |
| Maine | $351,000 | $259 |
| United States | $289,000 | $193 |
Cities in Cumberland County
Cities with their own home-value page, largest first:
Cumberland County home prices by ZIP code
The 15 most valuable ZIP codes in Cumberland County (of 37 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 04019 Cliff Island | $1,315,000 | $692 | +143% |
| 04110 Cumberland | $981,000 | $546 | +81% |
| 04107 Cape Elizabeth | $895,000 | $490 | +65% |
| 04105 Falmouth | $891,000 | $405 | +65% |
| 04109 Portland | $859,000 | $823 | +59% |
| 04003 Harpswell | $822,000 | $526 | +52% |
| 04096 Yarmouth | $764,000 | $405 | +41% |
| 04108 Portland | $731,000 | $603 | +35% |
| 04079 Harpswell | $713,000 | $645 | +32% |
| 04021 Cumberland | $711,000 | $374 | +31% |
| 04066 Harpswell | $708,000 | $513 | +31% |
| 04097 North Yarmouth | $692,000 | $318 | +28% |
| 04074 Scarborough | $690,000 | $409 | +28% |
| 04032 Freeport | $684,000 | $423 | +26% |
| 04017 Chebeague Island | $654,000 | $367 | +21% |
Home value appreciation in Cumberland County
Home prices in Cumberland County have risen about 116% over the last 10 years (≈8.0% a year) and +112.4% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +4.1% — still rising. A home worth $541,000 today was worth roughly $250,231 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Maine is +112.4% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Cumberland County
Run the numbers for Cumberland County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Cumberland County
To buy the typical $541,000 home in Cumberland County with 20% down, you need a household income of roughly $147,000 a year (about $3,430 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $175,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $27,100 | $4,270/mo | $183,000/yr |
| 10% (+PMI) | $54,100 | $4,080/mo | $175,000/yr |
| 20% | $108,200 | $3,430/mo | $147,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Cumberland County
At about $367 per square foot, here is roughly how much home different budgets get you in Cumberland County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $250k | 680 sq ft | below the local median — condos, smaller or older homes |
| $300k | 820 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1090 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1360 sq ft | around the typical home here |
| $600k | 1630 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Maine.
Estimate a specific home in Cumberland County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Cumberland County home prices: frequently asked
What is the average home price in Cumberland County, ME? +
What salary do you need to buy a house in Cumberland County? +
Which part of Cumberland County is most expensive? +
Are home values in Cumberland County going up? +
Browse all Maine cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.