What is the cost of living in Cumberland, MD?
According to the most recent data on the cost of living, Cumberland has an overall cost of living index of 93, which is 0.9x lower than the national index of 100.
Compared to Maryland, Cumberland has a cost of living index that's 0.8x lower than Maryland's index of 121.
The standard of living in Cumberland ranks as #3 most affordable out of the 195 places we measured in Maryland. By definition, that implies Cumberland ranks as the #192 most expensive place in the Old Line State.
For more reading on life in Cumberland, check out:
Cumberland Cost Of Living Vs. Maryland
Six factors go into calculating the cost of living index in Cumberland. Here is how it fares on each of the criteria:
The Services index in Cumberland is 106.
The Groceries index in Cumberland is 105.
The Health index in Cumberland is 63.
The Housing index in Cumberland is 108.
The Transportation index in Cumberland is 106.
The Utilities index in Cumberland is 108.
| Living Expense | Cumberland | Maryland | National Average |
|---|---|---|---|
| Overall | 93 | 121 | 100 |
| Services | 106 | 104 | 100 |
| Groceries | 105 | 107 | 100 |
| Health | 63 | 152 | 100 |
| Housing | 108 | 109 | 100 |
| Transportation | 106 | 108 | 100 |
| Utilities | 108 | 109 | 100 |
Cumberland Cost Of Living Compared To Maryland Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Maryland, check out:
Protect your home budget Compare home warranties in Cumberland Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Cumberland, MD Housing Cost Breakdown
Housing swings affordability the most between places in Maryland, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Cumberland is $152,202.
The Median Rent in Cumberland is $741.
The Median Income in Cumberland is $48,162.
The Home Value To Income in Cumberland is 3.2x.
The Rent To Monthly Income in Cumberland is 0.18x.
| Statistic | Cumberland | Maryland | United States |
|---|---|---|---|
| Median Home Value | $152,202 | $429,704 | $332,700 |
| Median Rent | $741 | $1,705 | $1,413 |
| Median Income | $48,162 | $103,678 | $80,734 |
| Home Value To Income | 3.2x | 4.1x | 4.1x |
| Rent To Monthly Income | 0.18x | 0.2x | 0.21x |
Cumberland, MD Costs By Category
Detailed Cumberland Services costs vs. Maryland
| Item | Cumberland | Maryland |
|---|---|---|
| Shampoo | $1.15 | $1.28 |
| Movie | $10.26 | $12.13 |
| Bowling | $17.17 | $18 |
| Haircut | $29.44 | $24.26 |
| Beauty Salon | $49.17 | $45.56 |
Detailed Cumberland Groceries costs vs. Maryland
| Item | Cumberland | Maryland |
|---|---|---|
| Ground Beef | $5.63 | $5.84 |
| Fried Chicken | $1.35 | $1.57 |
| Milk | $4.56 | $4.67 |
| Potatoes | $5.49 | $4.93 |
| Pizza | $11.17 | $12.09 |
| Beer | $10.15 | $10.41 |
| Toothpaste | $3.8 | $3.7 |
Detailed Cumberland Health costs vs. Maryland
| Item | Cumberland | Maryland |
|---|---|---|
| Optometrist | $126.67 | $125.68 |
| Doctor | $137.65 | $135.78 |
| Dentist | $100.44 | $113.29 |
Detailed Cumberland Transportation costs vs. Maryland
| Item | Cumberland | Maryland |
|---|---|---|
| Gasoline | $3.46 | $3.46 |
| Tire Balancing | $47.54 | $59.92 |
Detailed Cumberland Utilities costs vs. Maryland
| Item | Cumberland | Maryland |
|---|---|---|
| All Electricity | $178.61 | $193.99 |
| Phone | $185.45 | $192.25 |
Cumberland SnackAbility
Cost Of Living In Cities Around Cumberland
The cost of living varies in the cities and towns around Cumberland. Here's a quick look at the cost of living in the most populous nearby places:
Winchester, VA has a cost of living index of 112, 1.2x Cumberland.
Frostburg, MD has a cost of living index of 88, 0.9x Cumberland.
Somerset, PA has a cost of living index of 89, 1.0x Cumberland.
| City | Population | Cost Of Living | Vs. Cumberland |
|---|---|---|---|
| Winchester, VA | 27,913 | 112 | 1.2x |
| Frostburg, MD | 6,977 | 88 | 0.9x |
| Somerset, PA | 5,944 | 89 | 1.0x |
| Central, SC | 5,320 | 92 | 1.0x |
