Housing Market Report
Cumberland County, TN
Data through February 2026 · Updated monthly
Homes are selling quickly with few price cuts
Avg Home Value
$299,084
▼ 0.5% year-over-year
Days to Pending
75 days
Homes For Sale
736
Avg Rent/Month
--
The Cumberland County, TN housing market is holding relatively steady. The average home value is $299,084, down 0.5% year-over-year as of February 2026. Homes are spending a median of 75 days on the market before going pending. 0.2% of active listings have had a price cut.
Cumberland County leans toward a seller's market, with 0.1% of homes selling above list price and 0.8% selling below. There are currently 736 homes for sale in the county, with 111 new listings hitting the market each month. The median sale-to-list ratio is 97.0%, indicating buyers have negotiating leverage.
For homebuyers, the estimated monthly mortgage payment on a median-priced home in Cumberland County with 10% down is $1,856. Homes are selling 20.4% below asking price on average, giving buyers room to negotiate.
Bottom-tier homes (under the 33rd percentile) are currently valued at $166,183, making them the primary target range for investors looking at wholesale deals, fix-and-flip projects, or BRRRR strategies.
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Market Snapshot
Cumberland County Housing Market at a Glance
Key metrics for Cumberland County as of February 2026. Year-over-year changes show how the market has shifted in the last 12 months.
| Metric | Dec 2025 | Jan 2026 | Feb 2026 | 3-Mo Change |
|---|---|---|---|---|
| Avg Home Value | $299,791 | $299,220 | $299,084 | ▼ 0.2% |
| Single Family Value | $303,343 | $302,789 | $302,674 | ▼ 0.2% |
| Median List Price | $381,600 | $384,633 | $387,967 | ▲ 1.7% |
| Homes For Sale | 800 | 768 | 736 | ▼ 8.0% |
| New Listings | 138 | 118 | 111 | ▼ 19.6% |
| % Listings w/ Price Cut | 0.2% | 0.2% | 0.2% | ▼ 25.0% |
Home Values
Cumberland County Home Value Trend (2000–2026)
All-home median values including the 2008 housing crash, 2020 COVID surge, and 2022 rate shock. Switch between All Homes, Single Family, Bottom Tier, Top Tier, and Rent to compare trends.
Source: Zillow Research ZHVI / ZORI · Updated monthly
Market Breakdown
What Homes Cost in Cumberland County
Home values broken down by bedroom count, ZIP code neighborhood, and property type. 3-bedroom homes are valued at $355,715 in Cumberland County. 1-bedroom units start at $138,051.
| Bedroom Count | Avg Value | Last 30 Days | Last Year |
|---|---|---|---|
| 1 Bedroom | $138,051 | No Change | ▼ 1.0% |
| 2 Bedrooms | $266,213 | ▼ 0.2% | ▲ 0.2% |
| 3 Bedrooms | $355,715 | ▼ 0.2% | ▼ 0.6% |
| 4 Bedrooms | $476,223 | ▼ 0.1% | ▼ 0.7% |
| 5+ Bedrooms | $574,729 | ▼ 0.1% | ▼ 1.8% |
The table above reflects average home values and rent in Cumberland County, broken down by bedroom count, neighborhoods, and property types. Data sourced from Zillow Research.
Market Tiers
Buyer vs. Investor Segments
Bottom-tier homes (under 33rd percentile) are the primary target for wholesale investors using the 70% rule. In Cumberland County, bottom-tier homes are valued at $166,183.
Bottom Tier
Under 33rd percentile
$166,183
▼ 0.2% YoY
Wholesale / investor range
Mid Tier
33rd-67th percentile
$299,084
▼ 0.5% YoY
Typical buyer range
Top Tier
Over 67th percentile
$470,535
Luxury / high-end
Market Activity
Supply, Demand and Pricing Power
How quickly homes are selling, how many are available, and whether sellers or buyers have the upper hand in Cumberland County.
Homes For Sale
736
111 new/month
% Sold Below List
0.8%
0.1% sold above
% Listings w/ Price Cut
0.2%
$10,000 median cut
Median Days to Close
31 days
75 days to pending
Median List Price
$387,967
Median Sale Price
$309,000
97.0% sale-to-list
Affordability
Monthly Cost to Own in Cumberland County
Estimated mortgage payments on the median-priced home at current rates.
| Down Payment | Est. Monthly Payment |
|---|---|
| 5% down | $2,300/mo |
| 10% down | $2,197/mo |
| 20% down | $1,791/mo |
Metro Context
Cumberland County vs. Crossville
How Cumberland County compares to the broader Crossville metropolitan area.
| Metric | Cumberland County | Metro Avg |
|---|---|---|
| Avg Home Value | $299,084 | $299,059 |
| Days to Pending | 75 days | -- |
| % Sold Below List | 0.8% | 0.8% |
| Avg Rent/Month | -- | -- |
By Neighborhood
Home Values in Cumberland County by ZIP Code
Compare home values and price trends across neighborhoods in Cumberland County. Click any ZIP to see its full market report.
Nearby Markets
Other Counties in TN
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Frequently Asked Questions
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Data Sources and Methodology
Market data on this page comes from the Zillow Home Value Index (ZHVI) and Zillow Observed Rent Index (ZORI), updated monthly by Zillow Research. ZHVI measures the typical home value for a given region based on Zillow's proprietary automated valuation model, smoothed and seasonally adjusted to remove noise. ZORI measures the typical observed market-rate rent across the region, controlling for quality mix changes.
Sale price, inventory, days-on-market, and sale-to-list metrics are sourced from Zillow Research public data releases. All data is refreshed on the 17th of each month. This report was last updated February 2026.
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