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Market MapKentuckyCumberland

Cumberland County

KentuckyPopulation: 5,974
63
/100
Buy
#251 of 1,000 counties
#63 in Kentucky (120 counties)
Analysis by RentalCalcs Research·Independent data + algorithm-driven scoring
Updated January 1, 2026Sources: Zillow ZHVI, Zillow ZORI, US Census ACS, Tax Foundation

Market Snapshot

$153,800
Median Home Price
34% below national median
$9,132/mo
Est. Rent
Based on regional data
5.94%
Rent-to-Price Ratio
Estimated from price data
+$0
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Score Breakdown

Overall Investment Score
63/100
63
Cash Flow(30%)
0/100

Rent data not available for cash flow calculation.

Appreciation(25%)
65/100

Based on 1.5% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
73/100

Price-to-income ratio of 3.8x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

  • +Affordable relative to local incomes

Challenges

  • -Negative leverage (cap rate 0.0% < mortgage rate 6.9%)
  • -Limited rent data (estimates used)

Economic Indicators

Population
5,974
Median Income
$40,515
vs $57,059 national est.
Unemployment Rate
—
Data pending
Price-to-Income
3.8x
Moderately affordable

Who this market fits

Skip if
  • −You can't tolerate negative leverage (cap rate below mortgage rate today)

Compare to Nearby Counties

CountyVerdict
ClarkKY
65$256,894$1,3346.23%BuyView
BoyleKY
64$241,155$1,3986.95%BuyView
CurrentCumberlandKY
63$153,800Est. pending—Buy
FayetteKY
63$319,672$1,6136.05%BuyView
OldhamKY
62$433,371$1,8335.07%BuyView
GreenupKY
62$146,758Est. pending—BuyView

The Bottom Line

BuyCumberland offers solid investment potential with positive cash flow at typical financing.

Cumberland County in Kentucky scores 63/100, ranking #251 of 1,000 US counties (top 33%). At 20% down and current rates, a median-priced rental roughly breaks even on cash flow. The deal works on appreciation or with better terms, not on month-one cash flow.

Monthly Cash Flow
+$0/mo
Cap Rate
0.0%
Cash-on-Cash
0.0%

Related markets

Markets like Cumberland with stronger cash flow

  • Boyle County for cash-flow rentals
  • Clark County for cash-flow rentals
  • Fayette County for cash-flow rentals

Cheaper alternatives to Cumberland

  • Greenup County, lower entry price

Head-to-head comparisons

  • Cumberland vs Fayette for rentals
  • Cumberland vs Oldham for rentals
  • Cumberland vs Greenup for rentals
All counties in Kentucky →

Ready to Analyze a Deal in Cumberland?

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