Cumberland County, NC Average Home Price (2026)
The average home price in Cumberland County, North Carolina is about $255,500 (the 2026 median across 12 ZIP codes, at ~$159/sq ft) — 11% more affordable than the North Carolina median and 12% more affordable than the typical U.S. home.
How Cumberland County compares
Cumberland County is about average for housing nationally: its typical home costs $255,500 against $287,000 for North Carolina and $289,000 for the U.S. Within the county, ZIP-level values run from about $144,000 to $311,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Cumberland County | $255,500 | $159 |
| North Carolina | $287,000 | $203 |
| 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 12 most valuable ZIP codes in Cumberland County (of 12 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 28356 Linden | $311,000 | $158 | +22% |
| 28312 Fayetteville | $297,000 | $163 | +16% |
| 28395 Wade | $295,000 | $168 | +15% |
| 28391 Stedman | $275,000 | $161 | +8% |
| 28306 Fayetteville | $273,000 | $160 | +7% |
| 28348 Hope Mills | $263,000 | $160 | +3% |
| 28305 Fayetteville | $248,000 | $160 | -3% |
| 28311 Fayetteville | $238,000 | $154 | -7% |
| 28314 Fayetteville | $224,000 | $145 | -12% |
| 28303 Fayetteville | $205,000 | $147 | -20% |
| 28304 Fayetteville | $195,000 | $150 | -24% |
| 28301 Fayetteville | $144,000 | $143 | -44% |
Home value appreciation in Cumberland County
Home prices in Cumberland County have risen about 87% over the last 10 years (≈6.4% a year) and +100.5% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +4.0% — still rising. A home worth $255,500 today was worth roughly $136,924 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, North Carolina is +106.6% 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 $255,500 home in Cumberland County with 20% down, you need a household income of roughly $70,000 a year (about $1,620 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $83,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $12,800 | $2,020/mo | $86,000/yr |
| 10% (+PMI) | $25,600 | $1,930/mo | $83,000/yr |
| 20% | $51,100 | $1,620/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 $159 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 | 940 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1260 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1570 sq ft | around the typical home here |
| $300k | 1890 sq ft | around the typical home here |
| $400k | 2520 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 North Carolina.
Estimate a specific home in Cumberland County
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Cumberland County home prices: frequently asked
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Browse all North Carolina 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.