Cumberland County, TN real estate

What the numbers say

Cumberland County, TN real estate at a glance

By AstroCore · Realtor.com, US Census and Freddie Mac data

In September 2026, the median home in Cumberland County listed for $399,000, down 4.3% from a year earlier. That is 7% below the Tennessee median of $429,450.

Homes spent a median of 87 days on the market, slower than 82 days a year ago. That makes Cumberland County the #30 fastest-selling of 31 Tennessee counties we track.

Homeowners in Cumberland County pay a median of $730 a year in property taxes on a median home value of $250,500, an effective rate of about 0.29%. The Tennessee average is 0.50%, which makes Cumberland County the #2 lowest-tax of 95 counties in the state with published tax data.

Renters pay a median of $839 a month, and $850 for a two-bedroom. At today's prices a typical home costs about 40 times a year's rent, which generally favors renting over buying in the short term.

With 20% down and today's 7.24% average 30-year rate, the monthly payment on a $399,000 home here comes to about $2,438 including property tax and insurance. Lenders typically want that to be under 28% of income, which works out to roughly $105,000 a year (the median household here earns $60,375).