The story of this market
The typical home in Cumberland County, Pennsylvania sells for about $330,000, or $183 per square foot.
Prices are up +1.7% from a year ago, so sellers still have some momentum. Homes take about 12 days to sell, which is fast. Over the long run, values in this county have grown 141% since 2000. Last year 39 of 50 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is winter weather, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $1,598 a month.
HUD sets the fair market rent for a 2-bedroom at $1,598 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Price climate
Every year of price change, 2000–2025
+2.7%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+14.3%). Worst: 2010 (-2.2%). Hover to read a year.
Monthly price momentum
Home values since 2015
+3.6%
PA · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$2,055
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+2.7%
2025 change
FHFA repeat-sales index, median of 50 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
39
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $68,707,523.
Mortgage activity
Home lending in this county
81.4%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 12479 | 7482 | 81.4% | 7.1% | $205,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Cumberland County, Pennsylvania
The Cumberland County housing market shows modest price appreciation with a median sale price of $330,000. Inventory remains tight with 417 active listings, and homes are moving quickly with a median of 12 days on market.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: median price corroborated by the published ten-year series (2024) (within 12.5%).
Select a city to expand its ZIP intel reports beneath · 15 cities · 17 ZIP reports
Median prices moved up 6.1% year over year.
Homes spend a median of 53 days on market with 0.1 months of supply — a fast-moving market.
1% of listings have cut prices · homes sell at 29.66% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.0% · poverty 8.0% — a stable, low-distress profile.
Deterministic aggregate of 17 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Each property observation weighs one in its ZIP's deterministic roll-up — property-level records (taxes, scores, permits) never roll individually. Latest property research run Oct 7, 2026.
researched Sep 16
researched Sep 16
researched Sep 16
researched Oct 1
researched Sep 18
researched Sep 19
researched Sep 20
researched Sep 16
researched Sep 16
researched Sep 16
| 17007 | Boiling Springs | $370,500 | $20,686 | 0% | 37 | — | 16.4% | — | 390 | $1,083 | researched Sep 16 |
| 17011 | Camp Hill | $345,000 | $185 | +4.2% | 28 | 98.5% | 12% | 3.2 | 371 | $1,380 | researched Sep 16 |
| 17013 | Carlisle | $240,000 | $150 | -2.1% | 7 | 101% | — | — | 386 | $1,118 | researched Sep 16 |
| 17015 | Carlisle | $375,000 | $205 | +3.2% | 28 | 98.5% | 18% | 2.5 | 112 | $1,212 | researched Oct 1 |
| 17025 | Enola (East Pennsboro) | $374,450 | $215 | +24.9% | 41 | 100% | — | — | 35 | $1,170 | researched Sep 18 |
| 17043 | Lemoyne | $315,000 | $183 | 0% | 54 | 100% | — | — | 12 | $1,074 | researched Sep 19 |
| 17050 | Mechanicsburg | $516,848 | $235 | +4.2% | 32 | 98.5% | 18% | 2.9 | 142 | $1,462 | researched Sep 20 |
| 17055 | Mechanicsburg | $327,322 | $190 | +8.6% | 12 | — | — | — | 441 | $1,446 | researched Sep 16 |
| 17065 | Mount Holly Springs | $321,250 | $188 | -6.9% | 20 | — | — | — | 71 | $975 | researched Sep 16 |
| 17070 | New Cumberland | $355,000 | $173 | +6.8% | 94 | — | — | — | 23 | $1,039 | researched Sep 16 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Pennsylvania) — Homestead/Farmstead Exclusion: Formula: (Assessed Value - Exclusion Amount) × Tax Rate = Tax Owed. Exclusion amount varies by school district and county. State (Pennsylvania) — Property Tax Assessment: Tax = Assessed Value × Local Millage Rate (1 mill = $1 per $1,000 of assessed value).
not determinable
Municipalities may enact zoning, subdivision, and land development ordinances.
Pennsylvania Municipalities Planning Code (53 P.S. §§ 10101 et seq.)
applies when — Residential dwellings built before 1978.
Mandatory disclosure of known lead-based paint hazards.
Federal mandate incorporated into state disclosure expectations
Borrowers may cure default up to one hour before the foreclosure auction by paying all past-due amounts, fees, and costs.
Act 6 and Act 91
applies when — Communities with >12 units created after Feb 3, 1997.
Governed by the Uniform Planned Community Act (UPCA) regarding assessments, common elements, and association powers.
68 Pa. C.S. §§ 5101-5414
applies when — Applies to transfers of 1–4 unit residential properties.
Sellers must provide a written statement disclosing known material defects before the agreement of sale is signed.
68 Pa. C.S. §§ 7301-7315
applies when — Owner-occupied primary residences.
Formula: (Assessed Value - Exclusion Amount) × Tax Rate = Tax Owed. Exclusion amount varies by school district and county.
Taxpayer Relief Act (Act 1 of 2006)
Lenders must file a lawsuit and obtain a court judgment to foreclose; non-judicial or power-of-sale is prohibited.
Pennsylvania Rules of Civil Procedure Rules 1141-1150
Tax = Assessed Value × Local Millage Rate (1 mill = $1 per $1,000 of assessed value).
Pennsylvania Constitution Art. VIII
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.