Market Overview
Home Prices in Cumberland Gap, TN
The median home value in Cumberland Gap, TN is $228,396 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.5% compared to a year ago and up 0.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cumberland Gap are priced44% below average.
Over the past five years, Cumberland Gap home values have risen by approximately29.0%, reflecting strong long-term appreciation in this market.
Price History
Cumberland Gap Home Price Trend
2020
$160,074
$160K
—
2021
$176,992
$177K
+10.6%
2022
$201,965
$202K
+14.1%
2023
$208,885
$209K
+3.4%
2024
$215,457
$215K
+3.1%
2025
$216,537
$217K
+0.5%
2026
$228,396
$228K
+5.5%
City Comparison
Cumberland Gap vs. National Median
🏠 Cumberland Gap
$228,396
National Median
$410,000
At $228,396, homes in Cumberland Gap cost 44% below the national median of $410,000. This makes Cumberland Gap a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cumberland Gap?
20% Down Payment
$45,679
on $228,396
Monthly P&I
$1,191/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,513/mo
incl. taxes & insurance
Income Needed
$60,520
gross annual (30% rule)
10% Down Option
$22,840
+ PMI applies
Loan Amount (20% dn)
$182,717
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 Gap, TN?
The median home value in Cumberland Gap is $228,396 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.5% year-over-year.
How much have home prices changed in Cumberland Gap?
Over the past year, home values in Cumberland Gap have increased by 5.5%. Over five years, prices have risen approximately 29.0%.
How much do I need to earn to buy a home in Cumberland Gap?
To comfortably afford the median home price of $228,396 with a 20% down payment ($45,679) at today's rates (6.8%), you'd need a gross annual income of approximately $60,520. This assumes keeping total housing costs at or below 30% of gross income.
How does Cumberland Gap compare to the national average home price?
The national median home value is approximately $410,000. At $228,396, homes in Cumberland Gap are 44% below the national average.