Everything You Should Know Before Moving to Cumberland, MD
Considering a move to Cumberland, MD? This small city of about 19,000 offers a low cost of living, with median home prices around $109,000 and average rents of $770. Residents enjoy short commutes averaging under 20 minutes, four-season weather, and access to local healthcare at UPMC Western Maryland. While the property crime rate is above average, Cumberland’s affordability, proximity to outdoor recreation, and small-town charm make it a unique choice for value-minded movers.
Demographics - Cumberland, MD
Demographics - Cumberland, MD
Cumberland, MD is a small city with a population of about 19,000, characterized by a predominantly White community and a median age of 43, reflecting a mature, close-knit atmosphere. The area has a balanced gender ratio and a low proportion of non-English speakers, making it accessible for newcomers. Density is moderate, offering residents a blend of urban convenience and small-town friendliness.
Population:
19,076
Density:
1,600 per sq mi
Median Age:
43.0
Gender Ratio:
92 males per 100 females
Non-English Speakers Percentage:
4.5%
Ethnic Composition
White:
82.5%
Black:
10.8%
Asian:
1.2%
Others:
5.5%
Cost Of Living
What is the average cost of living in Cumberland, MD?
Cumberland stands out for its affordability, with a cost of living index significantly below the national average and median home values around $109,000. Renters also benefit from low average rents of $770, while everyday expenses like groceries and utilities remain budget-friendly. Residents enjoy reasonable state taxes and manageable monthly costs, making it an attractive option for cost-conscious individuals and families.
Median House Value:
$109,000
Gross Rent:
$770
Monthly Electricity Charges:
$120
Auto Insurance:
$1,080
House Owner Cost With Mortgage:
$1,020
House Owner Cost Without Mortgage:
$410
State Taxes:
Low:
2.0%
|
High:
5.75%
Cost Of Living Index:
77.2
Grocery:
91.0
Housing:
43.0
Utilities:
97.0
Transportation:
87.0
Health Care:
91.0
Miscellaneous:
92.0
Crime
Is Cumberland, MD a safe place to live?
Cumberland experiences higher property and violent crime rates compared to national averages, with a 1 in 201 chance of violent crime and a 1 in 31 chance of property crime. While safety is a consideration, many residents find value in the city's affordability and community ties. Awareness and proactive safety measures are recommended for new and current residents.
Violent Crimes Per 100k:
498
Property Crimes Per 100k:
3,226
Crime Index:
3,724
Chance Of Violent Crime:
1 in 201
Chance Of Property Crime:
1 in 31
Weather
What is the weather like in Cumberland, MD year-round?
Cumberland offers four distinct seasons, featuring warm summers with highs around 85°F and cold winters that dip to 23°F. The city receives about 40.5 inches of annual rainfall and enjoys sunshine 54% of the year, making it ideal for those who appreciate changing weather and outdoor activities. Fall and spring provide mild transitions, perfect for outdoor exploration.
Winter
Min:
23°F
Max:
39°F
Spring
Min:
42°F
Max:
66°F
Summer
Min:
62°F
Max:
85°F
Fall
Min:
44°F
Max:
68°F
Average Rainfall Inches:
40.5 inches
Sunny Days Percentage:
54%
Neighbors
The community in Cumberland has a median household income of $43,000 and a relatively high poverty rate, but residents benefit from short average commutes of under 20 minutes. Most adults hold at least a high school diploma, and the area maintains a modest unemployment rate. Public transportation use is limited, making car travel the norm for daily life.
Median Income:
$25,800
Household Income:
$43,000
Family Income:
$55,200
Per Capita Income:
$24,100
Income Male:
$34,000
Income Female:
$29,000
Poverty Rate:
22.6%
Non English Speakers:
4.5%
Rent:
$770
Unemployment Rate:
6.6%
Public Transport Usage:
0.3%
Commute Time:
19.7 minutes
Education
High School or Higher:
85.7%
Bachelors or More:
17.1%
Education
How are the schools in Cumberland, MD?
Cumberland provides a range of educational options, from well-regarded public schools like Fort Hill High and West Side Elementary to private institutions such as Bishop Walsh School. Higher education is close at hand with Allegany College of Maryland in the city and Frostburg State University just nine miles away. This variety supports families with children of all ages and those seeking local college opportunities.
Public Schools
Name:
Fort Hill High School
Street:
500 Greenway Ave
Phone:
301-777-2570
Students:
575
Student Teacher Ratio:
12.5
Name:
West Side Elementary School
Street:
425 Paca St
Phone:
301-777-1752
Students:
320
Student Teacher Ratio:
13.2
Private Schools
Name:
Bishop Walsh School
Street:
700 Bishop Walsh Rd
Phone:
301-724-5360
Students:
340
Colleges
Name:
Allegany College of Maryland
City:
Cumberland
State:
MD
Distance:
2 miles
Students:
2,800
Name:
Frostburg State University
City:
Frostburg
State:
MD
Distance:
9 miles
Students:
4,900
Healthcare
Healthcare in Cumberland is anchored by UPMC Western Maryland, a major hospital offering general, surgical, and emergency services. The city is well-served by medical professionals, with 2.2 physicians per 1,000 residents and over 93% health insurance coverage. Access to quality care is a strong point for families and retirees considering a move.
Major Hospitals
Name:
UPMC Western Maryland
Address:
12500 Willowbrook Rd, Cumberland, MD 21502
Phone:
(240) 964-7000
Type:
General & Surgical
Emergency Services:
Yes
Physicians Per 1000:
2.2
Health Insurance Coverage:
93.4%
Health Care Index:
75.1
Housing Market
What is the housing market like in Cumberland, MD?
Cumberland's housing market is highly affordable, with a median home price of $109,000 and owner-occupied homes making up over half the market. Rental options are plentiful, with average rents around $770 and a vacancy rate of 10.5%. Modest home appreciation and low foreclosure rates make this city appealing for both buyers and renters.
Median Home Price:
$109,000
Average Rent For 2 Bedroom:
$770
Owner Occupied Rate:
55.0%
Rental Vacancy Rate:
10.5%
Home Appreciation Rate (1yr):
5.3%
New Construction Rate:
0.3%
Foreclosure Rate:
0.9%
DMV Information
Cumberland residents are served by the Maryland Motor Vehicle Administration located on Winchester Road, offering convenient access to licensing and registration services. The local DMV provides comprehensive resources and support for new drivers and vehicle owners. Residents can easily access information and services via the Maryland MVA website or by phone.
State:
Maryland
Department:
Maryland Motor Vehicle Administration
Address:
13300 Winchester Road SW, Cumberland, MD 21502
Phone:
1-410-768-7000
Website:
Disclaimer: The information provided on this page is based on publicly available sources including AccuWeather, U.S. Census Bureau, local government data, and third-party partners such as Neustar. While we strive to ensure accuracy, all data is provided “as is” and should be independently verified before making any decisions. Movers.com makes no guarantees regarding the completeness or reliability of the information.