LeaseLantern

Cities›MD›Cumberland

Affordable & Income-Based Housing in Cumberland

Cumberland, MD has 12 affordable and income-based rental properties totaling 829 units across the city. Of the 6 properties with available inspection scores, all 6 rated excellent, suggesting well-maintained housing stock. With a median rent of $741 per month (Census ACS 5-Year), Cumberland offers some of the more accessible rental costs in Maryland.

12
Properties
829
Total units
94/100
Avg HUD score

At a glance

🏠 Affordability
$741/mo

Affordability in Cumberland, MD

Cumberland's median household income is $48,162 and the median gross rent is $741 per month, with renters making up 40% of occupied households, according to the Census ACS 5-Year data (as of 2024). These figures suggest that income-restricted housing in Cumberland can offer meaningful savings compared to typical market-rate rents in the area.

Census ACS 5-Year
🛡️ Safety
454 / 100k · 2024

Safety

According to FBI Crime Data Explorer, the Cumberland Police Department reported a violent crime rate of 454 per 100,000 residents in 2024. Keep in mind that crime rates are not directly comparable across cities due to differences in reporting practices and local definitions.

Of the 7 HUD-assisted properties in Cumberland tracked by Lease Lantern, none are located in a high flood-risk zone based on available flood map data.

FBI Crime Data Explorer
🚶 Getting around
Walk Score 76 · Very Walkable

Getting Around Cumberland

According to Walk Score, the area around assisted properties in Cumberland rates 76 (Very Walkable) for walkability, 24 (Minimal Transit) for public transit, and a Bike Score of 28. Scores reflect conditions near the assisted housing locations, not the city as a whole.

Walk Score
🎓 Schools
9 schools · 1 districts

Schools

Cumberland is served by 9 public schools -- 5 elementary, 2 middle, and 2 high schools -- within 1 district, according to NCES Common Core of Data. Quality and programs vary by school, so renters should check the assigned schools for any specific address they are considering.

NCES Common Core of Data
📊 Cost of living
$48,162 median income

Housing Costs in Cumberland, MD

The median household income in Cumberland is $48,162 per year, according to Census ACS 5-Year estimates. The median gross rent across all rentals in the city is $741 per month, also per Census ACS 5-Year data.

Affordable and income-based housing in Cumberland spans 606 units across 7 properties. Rents at HUD-assisted and LIHTC properties are typically restricted based on a percentage of the Area Median Income (AMI), which can make them significantly lower than market-rate rents for qualifying households.

  • Median household income: $48,162/year (Census ACS 5-Year)
  • Median gross rent (all rentals): $741/month (Census ACS 5-Year)
  • Share of households that rent: 40% (Census ACS 5-Year)
Census ACS 5-Year
🌊 Environment & risk

Flood and Environmental Exposure

All 7 assisted properties in Cumberland have been mapped for flood risk, and none fall within a high-risk flood zone. Flood exposure for HUD-assisted housing here is low based on available data.

FEMA · EPA AirNow
HUD Inspection Scoresavg 94/100(6 of 12 scored)
90+ (6)No score (6)

12 properties on the map

Top-rated properties

Browse all 12 affordable apartments in Cumberland→

Other cities in MD

› Affordable housing in Annapolis› Baltimore income-based apartments› Income-restricted rentals in Bethesda› Bowie affordable apartments› HUD & Section 8 housing in Cambridge› Affordable housing in Catonsville› Columbia income-based apartments› Income-restricted rentals in Frederick› Gaithersburg affordable apartments› HUD & Section 8 housing in Hagerstown› Affordable housing in Hyattsville› Lanham income-based apartments

Your rights & resources

› How HUD & Section 8 housing works› Tenant rights in MD› Housing assistance & waitlists› Free legal aid (LawHelp)› Energy bill help (LIHEAP)

Read more

About Affordable Housing in Cumberland, MD

Cumberland is a small Appalachian city in western Maryland with a walkable downtown core and a renter community that makes up about 40 percent of households, according to Census ACS 5-Year data. A median asking rent of $741 per month (Census ACS 5-Year) sits well below national averages, which can make income-based housing here stretch further for eligible renters.

Lease Lantern tracks 7 HUD-assisted and income-based properties in Cumberland, totaling 606 units. Of the 6 properties with inspection scores on record, all 6 rated excellent according to HUD inspection data -- a strong sign of well-maintained housing stock across the city.

None of the 7 mapped properties fall in a high-risk flood zone, according to flood mapping data.

Getting Around Cumberland

Cumberland scores a 76 (Very Walkable) for walkability but only a 24 (Minimal Transit) for public transportation, according to Walk Score. Renters who rely on transit or biking may want to factor proximity to routes into their search.

Schools in Cumberland

The city is served by 1 school district with 9 public schools -- 5 elementary, 2 middle, and 2 high schools -- according to NCES Common Core of Data.

Eligibility & how to apply

Maryland income limits (2026)Maryland public housing authoritiesSection 8 waitlists in Maryland

Helpful guides

How Section 8 Vouchers WorkWhat Is Income-Based Housing?How to Apply for Affordable HousingSection 8 vs. LIHTCUnderstanding HUD Inspection ScoresHow Affordable Housing Waitlists Work
Research: what 22,600 HUD inspection scores reveal →