Cumberland, MD — Rental Investment Analysis

Investment Summary

As of 2026, rental properties in Cumberland, MD yield a 5.1% cap rate. Median home price is $177,433 with 3-bedroom rents at $1,240/month.

Cumberland is a moderate market — workable but not exceptional for cash flow. At $177,433 median home price, Cumberland is affordable by national standards and within reach for most conventional loans. With 3-bedroom rents around $1,240/month, the 5.1% cap rate tells the story. At current prices and rates, expect to lose about $198/month — negative cash flow unless you put more down or find below-market deals.

At 0.69% on the 1% rule, rents are low relative to purchase prices. You'd need a significant discount from asking price to make the numbers work. DSCR of 0.80 is below 1.0, meaning rental income doesn't cover the mortgage. DSCR lenders will likely decline this market at current prices.

Bottom line: Cumberland offers a balance of moderate cash flow and growth potential. Good for investors who want some income while building equity over time.

Data sources: HUD Fair Market Rents (FY2024), Zillow Home Value Index (April 2026), Freddie Mac Primary Mortgage Market Survey.