ZIP Code 21524 — Cumberland, MD Home Prices (2026)
The typical home in ZIP 21524 (Cumberland, Maryland) is worth about $192,000 at roughly $255 per square foot — 6% more expensive than the Cumberland median and 35% more affordable than the typical U.S. home.
How 21524 compares
ZIP 21524 is one of the pricier ZIP codes in Cumberland: its typical home value of $192,000 ranks #1 of the 3 Cumberland ZIP codes we track (the citywide range runs from $160,000 in 21502 to $192,000 in 21524). Per square foot it costs about $255, against $171 for Cumberland as a whole, $233 for Maryland, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 21524 | $192,000 | $255 |
| Cumberland, MD | $181,000 | $171 |
| Maryland | $451,500 | $233 |
| United States | $294,000 | $195 |
Home value by size in 21524
Using this ZIP’s rate of about $255 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $255,000 |
| 1,500 sq ft | $382,500 |
| 2,000 sq ft | $510,000 |
| 2,500 sq ft | $637,500 |
| 3,000 sq ft | $765,000 |
Salary needed to buy a home in ZIP 21524
To buy the typical $192,000 home in ZIP 21524 with 20% down, you need a household income of roughly $52,000 a year (about $1,220 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $62,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $9,600 | $1,510/mo | $65,000/yr |
| 10% (+PMI) | $19,200 | $1,450/mo | $62,000/yr |
| 20% | $38,400 | $1,220/mo | $52,000/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 ZIP 21524
At about $255 per square foot, here is roughly how much home different budgets get you in ZIP 21524:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 590 sq ft | below the local median — condos, smaller or older homes |
| $200k | 780 sq ft | around the typical home here |
| $250k | 980 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 1180 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 1570 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 21524 home.
Estimate a specific home in 21524
The estimator below is pre-set to ZIP 21524 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Cumberland ZIP codes by home value
Where 21524 sits among Cumberland’s 3 ZIP codes:
ZIP 21524 home prices: frequently asked
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See the full Cumberland home values page, all Maryland cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.