Cumberland County, NJ Average Home Price (2026)
The average home price in Cumberland County, New Jersey is about $259,000 (the 2026 median across 14 ZIP codes, at ~$161/sq ft) — 55% more affordable than the New Jersey median and 10% more affordable than the typical U.S. home.
How Cumberland County compares
Cumberland County is about average for housing nationally: its typical home costs $259,000 against $573,000 for New Jersey and $289,000 for the U.S. Within the county, ZIP-level values run from about $169,000 to $398,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Cumberland County | $259,000 | $161 |
| New Jersey | $573,000 | $327 |
| United States | $289,000 | $193 |
Cumberland County home prices by ZIP code
The 14 most valuable ZIP codes in Cumberland County (of 14 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 08340 Milmay | $398,000 | $160 | +54% |
| 08361 Vineland | $353,000 | $224 | +36% |
| 08360 Vineland | $289,000 | $214 | +12% |
| 08323 Greenwich | $280,000 | $154 | +8% |
| 08316 Dorchester | $270,000 | $142 | +4% |
| 08324 Heislerville | $270,000 | $142 | +4% |
| 08311 Cedarville | $260,000 | $129 | +0% |
| 08332 Millville | $258,000 | $206 | +0% |
| 08302 Bridgeton | $251,000 | $182 | -3% |
| 08353 Shiloh | $249,000 | $161 | -4% |
| 08345 Newport | $239,000 | $185 | -8% |
| 08327 Leesburg | $233,000 | $111 | -10% |
| 08349 Port Norris | $192,000 | $102 | -26% |
| 08321 Fortescue | $169,000 | $188 | -35% |
Home value appreciation in Cumberland County
Home prices in Cumberland County have risen about 99% over the last 10 years (≈7.2% a year) and +75.1% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +6.2% — still rising. A home worth $259,000 today was worth roughly $129,890 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, New Jersey is +87.7% 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 $259,000 home in Cumberland County with 20% down, you need a household income of roughly $70,000 a year (about $1,640 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $84,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $13,000 | $2,040/mo | $88,000/yr |
| 10% (+PMI) | $25,900 | $1,950/mo | $84,000/yr |
| 20% | $51,800 | $1,640/mo | $70,000/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 $161 per square foot, here is roughly how much home different budgets get you in Cumberland County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 930 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1240 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1550 sq ft | around the typical home here |
| $300k | 1860 sq ft | around the typical home here |
| $400k | 2480 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 filtered to New Jersey.
Estimate a specific home in Cumberland County
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Cumberland County home prices: frequently asked
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Browse all New Jersey 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.