Cumberland City, TN—37050
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Cumberland City, TN
As of Aug '25, the median home price in Cumberland City, TN is $232,000, with a year-over-year change of -5.9%. This indicates that home prices in Cumberland City, TN are decreasing. According to Zillow, the 1-year price projection is NA, suggesting an uncertain housing market in the next year.
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | N/A | N/A |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
Rental Trends — Cumberland City, TN
As of Jul '25, the average rent in Cumberland City, TN is $2,150, with a year-over-year rent change of NA. 3-bedroom units average $2,150 (NA)
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,150 | $2,150 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $2,150 | $2,150 |
| 4 Bed Rent | N/A | N/A |
Property Listings — Cumberland City, TN
As of Aug '25 and according to Realtor.com, the median days on market for a home in Cumberland City, TN is 37. This is an decrease of -61.0% from last year. This indicates that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 27.0%. This is a large percentage of inventory, suggesting a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $396,000 | -21.0% |
Listing Count | 17 | N/A |
| Listings as % of Homes | 0.6% | N/A |
Days on Market | 37 | -61.0% |
Demographics — Cumberland City, TN
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 2,030 | 53.1% |
% Under 18 | 30.5% | 98.1% |
| % Under 5 | N/A | N/A |
% Seniors | 13.7% | -33.2% |
% WFH | 2.0% | -63.6% |
% w/ College Degree | 9.4% | -46.0% |
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 77.0% | -13.6% |
% Black | 6.2% | 77.1% |
% Hispanic | 8.3% | 112.8% |
% Asian | 0.0% | -100.0% |
% Foreign Born | 6.9% | 137.9% |
Mortgage and Risk — Cumberland City, TN
According to the latest data from the U.S. Department of Housing and Urban Development (HUD) as of 2023, the number of mortgages originated in Cumberland City, TN in that year was NA. NA of all primary home loans were conventional, the remainder were government-backed loans, such as FHA loans. The average loan-to-value for all loans was NA. Of those, NA were >90% loan to value. This is considered unknown, suggesting that mortgage risk is unknown in Cumberland City, TN. Investor activity in Cumberland City, TN is unknown, as NA of all loans are originated by investors. In 2023, NA of all loans were cash-out refinances, suggesting unknown homeowners are actively tapping their home's equity.
Mortgages
| Metric | Zip Code Average | Metro Average | State Average |
|---|---|---|---|
Total Loan Originations | N/A | N/A | N/A |
% Conventional Loans | N/A | N/A | N/A |
% Government Loans | N/A | N/A | N/A |
% Investor Loans | N/A | N/A | N/A |
% Second Loans | N/A | N/A | N/A |
% Cash Out Refinance | N/A | N/A | N/A |
Rentals and Section 8 — Cumberland City, TN
As of 2024, the percent of homes in Cumberland City, TN under the Section 8 program is 15.9%. This is considered high, suggesting that the neighborhood is heavily composed of Section 8 homes. Section 8 opportunity is good when HUD pays homeowners more than the average rental market rate for various home sizes. For each bedroom size, the average difference between HUD payments and market rents is shown in the table below.
Section 8 Market Size
Total Units under HUD | 17 |
Total Units Section 8 | 17 |
% Rentals under Section 8 | 15.9% |
% Occupied Section 8 | 70.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $880 |
| 2 Bedroom | N/A | N/A | $1,130 |
| 3 Bedroom | -$570 | $2,150 | $1,580 |
| 4 Bedroom | N/A | N/A | $1,910 |
Affordability — Cumberland City, TN
Home Price to Income Ratio
| Metric | Zip Code Average | Metro Average | State Average |
|---|---|---|---|
| Home Price to Income Ratio | 3.7 | N/A | N/A |
| Median Home Price | $232,000 | N/A | N/A |
| Median Household Income | $60,500 | N/A | N/A |