Cumberland County, PA Average Home Price (2026)
The average home price in Cumberland County, Pennsylvania is about $311,500 (the 2026 median across 16 ZIP codes, at ~$191/sq ft) — 31% more expensive than the Pennsylvania median and 8% more expensive than the typical U.S. home.
How Cumberland County compares
Cumberland County is about average for housing nationally: its typical home costs $311,500 against $238,000 for Pennsylvania and $289,000 for the U.S. Within the county, ZIP-level values run from about $251,000 to $445,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Cumberland County | $311,500 | $191 |
| Pennsylvania | $238,000 | $165 |
| United States | $289,000 | $193 |
Cumberland County home prices by ZIP code
The 15 most valuable ZIP codes in Cumberland County (of 16 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 17050 Mechanicsburg | $445,000 | $199 | +43% |
| 17007 Boiling Springs | $421,000 | $219 | +35% |
| 17015 Carlisle | $390,000 | $199 | +25% |
| 17240 Newburg | $358,000 | $346 | +15% |
| 17055 Mechanicsburg | $357,000 | $197 | +15% |
| 17027 Grantham | $336,000 | $177 | +8% |
| 17011 Camp Hill | $323,000 | $192 | +4% |
| 17241 Newville | $320,000 | $186 | +3% |
| 17257 Shippensburg | $303,000 | $171 | -3% |
| 17025 Enola | $293,000 | $169 | -6% |
| 17065 Mount Holly Springs | $282,000 | $190 | -9% |
| 17013 Carlisle | $281,000 | $197 | -10% |
| 17324 Gardners | $276,000 | $167 | -11% |
| 17266 Walnut Bottom | $257,000 | $188 | -17% |
| 17093 Summerdale | $252,000 | $133 | -19% |
Home value appreciation in Cumberland County
Home prices in Cumberland County have risen about 73% over the last 10 years (≈5.6% a year) and +89.3% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.9% — still rising. A home worth $311,500 today was worth roughly $180,371 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Pennsylvania is +76.8% 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 $311,500 home in Cumberland County with 20% down, you need a household income of roughly $85,000 a year (about $1,980 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $101,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $15,600 | $2,460/mo | $105,000/yr |
| 10% (+PMI) | $31,200 | $2,350/mo | $101,000/yr |
| 20% | $62,300 | $1,980/mo | $85,000/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 $191 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 | 790 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1050 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1310 sq ft | around the typical home here |
| $300k | 1570 sq ft | around the typical home here |
| $400k | 2090 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 Pennsylvania.
Estimate a specific home in Cumberland County
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Cumberland County home prices: frequently asked
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Browse all Pennsylvania 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.