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Market MapMaineCumberland

Cumberland County

MainePopulation: 303,357
48
/100
Hold
#589 of 1,000 counties
#10 in Maine (16 counties)

Market Snapshot

$534,891
Median Home Price
129% above national median
$2,297/mo
Median Rent
52% above national median
5.15%
Rent-to-Price Ratio
Top 70% nationally
-$1,311
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$534,891
Down Payment (20%)$106,978
Loan Amount$427,913
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$2,297
Monthly P&I-$2,804
Est. Expenses (35%)-$804
Net Cash Flow-$1,311/mo
3.4%
Cap Rate (all cash)
-12.8%
Cash-on-Cash Return
5.15%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.4% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
48/100
48
Cash Flow(30%)
47/100

Based on 5.15% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
55/100

Based on 0.5% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Population data not available.

Affordability(20%)
39/100

Price-to-income ratio of 6.1x. 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

  • +Complete rent data available

Challenges

  • -Below-average rent-to-price ratio (5.15%)
  • -Negative cash flow at typical financing (-$1,311/mo)
  • -Negative leverage (cap rate 3.4% < mortgage rate 6.9%)
  • -High price-to-income ratio makes financing challenging

Economic Indicators

Population
303,357
Median Income
$87,710
vs $57,018 national est.
Unemployment Rate
—
Data pending
Price-to-Income
6.1x
Less affordable

Compare to Nearby Counties

CountyVerdict
KennebecME
53$307,224$1,4435.64%HoldView
FranklinME
50$281,697Est. pending—HoldView
SagadahocME
50$416,709$1,9005.47%HoldView
WaldoME
49$323,777Est. pending—HoldView
CurrentCumberlandME
48$534,891$2,2975.15%Hold
YorkME
48$508,027$2,0644.88%HoldView

The Bottom Line

HoldCumberland is a neutral market. Consider house hacking or targeting below-market deals.

Cumberland County in Maine scores 48/100, ranking #589 of 1,000 US counties (top 78%). The 5.15% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow
$-1,311/mo
Cap Rate
3.4%
Cash-on-Cash
-12.8%

Ready to Analyze a Deal in Cumberland?

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