Is Cumberland County, NC good for real estate investing?

Cumberland County has an investment score of 61/100, rated as "Buy". The county ranks #469 nationally among 1000 counties analyzed.

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

The rent-to-price ratio in Cumberland County is 7.50% annually, which ranks in the 85th 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 $227,591. This ranks #492 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 $269/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Cumberland County

North CarolinaPopulation: 335,207

/100

Buy

#469 of 1,000 counties

#27 in North Carolina (100 counties)

Market Snapshot

$227,591

Median Home Price

1% below national median

$1,422/mo

Median Rent

4% above national median

7.50%

Rent-to-Price Ratio

Top 15% nationally

-$269

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$227,591

Down Payment (20%)$45,518

Loan Amount$182,073

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,422

Monthly P&I-$1,193

Est. Expenses (35%)-$498

Net Cash Flow-$269/mo

4.9%

Cap Rate (all cash)

-6.2%

Cash-on-Cash Return

7.50%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 4.9% 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

61/100

Cash Flow(30%)

75/100

Based on 7.50% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

50/100

Based on -0.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

69/100

Price-to-income ratio of 4.1x. 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

+Above-average rent-to-price ratio (7.50%)
+Complete rent data available

Challenges

-Declining home values (-0.0% YoY)
-Negative cash flow at typical financing (-$269/mo)
-Negative leverage (cap rate 4.9% < mortgage rate 6.9%)

Economic Indicators

Population

335,207

Median Income

$55,551

vs $51,665 national est.

Unemployment Rate

—

Data pending

Price-to-Income

4.1x

Moderately affordable

Compare to Nearby Counties

County					Verdict
HokeNC	62	$275,797	$1,735	7.55%	Buy	View
CurrentCumberlandNC	61	$227,591	$1,422	7.50%	Buy
LeeNC	61	$287,475	$1,729	7.22%	Buy	View
SurryNC	60	$220,321	Est. pending	—	Buy	View
WashingtonNC	60	$107,025	Est. pending	—	Buy	View
WilsonNC	59	$216,344	$1,262	7.00%	Hold	View

The Bottom Line

BuyCumberland offers solid investment potential with good cash flow or appreciation prospects.

Cumberland County in North Carolina scores 61/100, ranking #469 of 1,000 US counties (top 47%). The 7.50% rent-to-price ratio indicates moderate cash flow potential.

Monthly Cash Flow

$-269/mo

Cap Rate

4.9%

Cash-on-Cash

-6.2%

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$227,591

Down Payment (20%)$45,518

Loan Amount$182,073

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,422

Monthly P&I-$1,193

Est. Expenses (35%)-$498

Net Cash Flow-$269/mo

4.9%

Cap Rate (all cash)

-6.2%

Cash-on-Cash Return

7.50%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 4.9% 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

61/100

Cash Flow(30%)

75/100

Based on 7.50% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

50/100

Based on -0.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

69/100

Price-to-income ratio of 4.1x. Lower ratios indicate more affordable markets.

County

Verdict

HokeNC

$275,797

$1,735

7.55%

Buy

View

CurrentCumberlandNC

$227,591

$1,422

7.50%

Buy

LeeNC

$287,475

$1,729

7.22%

Buy

View

SurryNC

$220,321

Est. pending

—

Buy

View

WashingtonNC

$107,025

Est. pending

—

Buy

View

WilsonNC

$216,344

$1,262

7.00%

Hold

View

The Bottom Line

BuyCumberland offers solid investment potential with good cash flow or appreciation prospects.

Cumberland County in North Carolina scores 61/100, ranking #469 of 1,000 US counties (top 47%). The 7.50% rent-to-price ratio indicates moderate cash flow potential.

Monthly Cash Flow

$-269/mo

Cap Rate

4.9%

Cash-on-Cash

-6.2%