Market AnalysisUpdated March 2026

Cumberland County, ME — Market Snapshot

Real estate market data for Cumberland County, Maine. Census demographics, rental trends, and economic indicators for investors and developers.

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Population

305,940

ACS 2023

Median Household Income

$98,446

ACS 2023

Renter-Occupied

30%

ACS 2023

Median Rent

$1,523/mo

ACS 2023

Source: U.S. Census Bureau, American Community Survey 2023

Population & Income Profile

Age Distribution

Under 19

20.6%

Ages 20–29

12.5%

Ages 30–39

14.0%

Ages 40–49

12.3%

Ages 50–59

13.3%

Ages 60–69

14.1%

Over 70

13.2%

Household Income Distribution

Under $30K

14.0%

$30K–$50K

12.0%

$50K–$75K

00.0%

$75K–$100K

00.0%

$100K–$150K

00.0%

Above $150K

00.0%

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Source: U.S. Census Bureau, American Community Survey 2023

Housing Affordability

Affordability Label

Moderate (4-5x)

ACS 2023

Price-to-Income Ratio

5.8x

Redfin SFR ÷ FRED Per Capita Income

Very Affordable (<3x)Moderate (3–5x)Expensive (5–7x)Very Expensive (>7x)

5.8x

At 5.8x price-to-income, median home prices in Cumberland County are elevated relative to income.

Affordability label: U.S. Census Bureau ACS 2023. Price-to-income: Redfin median sale price (SFR, Dec 2025) ÷ FRED per capita personal income (Q4 2025).

Housing Market Overview

Median Home Value

$520,000

Median Gross Rent

$1,523/mo

Homeownership Rate

70%

Typical Monthly Housing Cost(owner-occupied w/ mortgage)

$1,600/mo

Median Annual Property Tax(ACS estimate)

$4,821

Vacancy Rate

Dashboard

Source: U.S. Census Bureau, ACS 2023. Monthly Housing Cost: ACS B25105. Property Tax: ACS B25103.

Home Price Index

Cumberland County HPI

343.0

FRED Q4 2025

Since 2020

+67.4% ↑

vs. 2020 baseline

“Cumberland County home values have appreciated 67.4% since 2020, trailing the Maine statewide average of 81.8%.”

Source: Federal Reserve Economic Data (FRED) — FHFA House Price Index. Updated Q4 2025.

Investment Analysis

Market Tier

Bawa Score: 90 / 100

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Economic Indicators

Unemployment Rate

2.5%

Per Capita Personal Income

$90,142

Labor Force

170,794

GDP

$28B

Building Permits

1,385

▼ −14.7% since 2020

State Overview

State Tax Revenue (quarterly)millions USD, not seasonally adjusted

$1.7B

State Home Price Index

1031.0

State GDP

$99B

Source: Federal Reserve Economic Data (FRED). Updated Q4 2025.

Nearby Markets

Androscoggin County, ME →Aroostook County, ME →Franklin County, ME →Hancock County, ME →Kennebec County, ME →

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