Is Cumberland County, ME good for real estate investing?

Cumberland County has an investment score of 47/100, rated as "Hold". The county ranks #850 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Cumberland?

The rent-to-price ratio in Cumberland County is 5.18% annually, which ranks in the 29th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Cumberland?

The median home price in Cumberland County is $540,099. This ranks #927 in affordability among all US counties.

Can you cash flow on rental properties in Cumberland?

Based on median values with 20% down at current rates, a typical rental in Cumberland County would generate negative cash flow of $1,316/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Cumberland County

MainePopulation: 303,357

/100

Hold

#850 of 1,000 counties

#12 in Maine (16 counties)

Market Snapshot

$540,099

Median Home Price

97% above national median

$2,331/mo

Median Rent

56% above national median

5.18%

Rent-to-Price Ratio

Top 71% nationally

-$1,316

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$540,099

Down Payment (20%)$108,020

Loan Amount$432,079

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$2,331

Monthly P&I-$2,831

Est. Expenses (35%)-$816

Net Cash Flow-$1,316/mo

3.4%

Cap Rate (all cash)

-12.7%

Cash-on-Cash Return

5.18%

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 Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

47/100

Cash Flow(30%)

48/100

Based on 5.18% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

48/100

Based on -0.3% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

38/100

Price-to-income ratio of 6.2x. 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 (5.18%)
-Declining home values (-0.3% YoY)
-Negative cash flow at typical financing (-$1,316/mo)
-Negative leverage (cap rate 3.4% < mortgage rate 6.9%)

Economic Indicators

Population

303,357

Median Income

$87,710

vs $62,400 national est.

Unemployment Rate

—

Data pending

Price-to-Income

6.2x

Less affordable

Compare to Nearby Counties

County					Verdict
SagadahocME	50	$416,709	$1,900	5.47%	Hold	View
WaldoME	49	$323,777	Est. pending	—	Hold	View
YorkME	48	$508,027	$2,064	4.88%	Hold	View
CurrentCumberlandME	47	$540,099	$2,331	5.18%	Hold
OxfordME	47	$311,159	$1,350	5.21%	Hold	View
HancockME	47	$405,160	$1,905	5.64%	Hold	View

The Bottom Line

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

Cumberland County in Maine scores 47/100, ranking #850 of 1,000 US counties (top 85%). The 5.18% 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

$-1,316/mo

Cap Rate

3.4%

Cash-on-Cash

-12.7%

Ready to Analyze a Deal in Cumberland?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRR House HackOwner-occupied strategy Multifamily5+ unit properties

Explore Other Markets

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$540,099

Down Payment (20%)$108,020

Loan Amount$432,079

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$2,331

Monthly P&I-$2,831

Est. Expenses (35%)-$816

Net Cash Flow-$1,316/mo

3.4%

Cap Rate (all cash)

-12.7%

Cash-on-Cash Return

5.18%

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 Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

47/100

Cash Flow(30%)

48/100

Based on 5.18% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

48/100

Based on -0.3% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

38/100

Price-to-income ratio of 6.2x. Lower ratios indicate more affordable markets.

County

Verdict

SagadahocME

$416,709

$1,900

5.47%

Hold

View

WaldoME

$323,777

Est. pending

—

Hold

View

YorkME

$508,027

$2,064

4.88%

Hold

View

CurrentCumberlandME

$540,099

$2,331

5.18%

Hold

OxfordME

$311,159

$1,350

5.21%

Hold

View

HancockME

$405,160

$1,905

5.64%

Hold

View

The Bottom Line

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

Monthly Cash Flow

$-1,316/mo

Cap Rate

3.4%

Cash-on-Cash

-12.7%