Market Overview
Home Prices in Cumberland City, TN
The median home value in Cumberland City, TN is $254,068 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 3.8% compared to a year ago and down 4.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cumberland City are priced38% below average. Cumberland City is part of the Clarksville, TN-KY metro area.
Over the past five years, Cumberland City home values have risen by approximately15.7%, reflecting steady appreciation in this market.
Price History
Cumberland City Home Price Trend
City Comparison
Cumberland City vs. National Median
At $254,068, homes in Cumberland City cost 38% below the national median of $410,000. This makes Cumberland City a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cumberland City?
20% Down Payment
$50,814
on $254,068
Monthly P&I
$1,325/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,683/mo
incl. taxes & insurance
Income Needed
$67,320
gross annual (30% rule)
10% Down Option
$25,407
+ PMI applies
Loan Amount (20% dn)
$203,254
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Cumberland City, TN?
The median home value in Cumberland City is $254,068 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 3.8% year-over-year.
How much have home prices changed in Cumberland City?
Over the past year, home values in Cumberland City have decreased by 3.8%. Over five years, prices have risen approximately 15.7%.
How much do I need to earn to buy a home in Cumberland City?
To comfortably afford the median home price of $254,068 with a 20% down payment ($50,814) at today's rates (6.8%), you'd need a gross annual income of approximately $67,320. This assumes keeping total housing costs at or below 30% of gross income.
How does Cumberland City compare to the national average home price?
The national median home value is approximately $410,000. At $254,068, homes in Cumberland City are 38% below the national average.
What metro area is Cumberland City part of?
Cumberland City is part of the Clarksville, TN-KY metropolitan area. Home prices and market conditions can vary across the broader metro region.