Metro FMR · CBSA 19060 · HUD FY2025

Cumberland, MD-WV MSA Fair Market Rent

HUD's FY2025 Fair Market Rent for the Cumberland, MD-WV MSA metro area - 19% below the US average.

$747
1-bedroom FMR
$933
2-bedroom FMR
-19%
vs US avg

The verdict

A 2-bedroom in the Cumberland, MD-WV MSA area rents at $933 under HUD's FY2025 Fair Market Rent - 17% below the US average, lower than 96% of the 384 metro areas HUD tracks.

#16
most affordable of 384 US metros (2BR)
-17%
vs the US 2-bedroom average
$37,320
income to afford it (30% rule)

Affordability & income context

Cumberland: #16 most affordable nationally · income context

At the metro's ACS median household income of $59,413, this 1-bedroom FMR takes 15.1% of annual income. It is well below the 30% affordability guide for a median-income household.

The 2-bedroom figure places Cumberland in the lowest-rent tenth of HUD metro areas, using the same FY2025 HUD schedule as the national comparison.

Population has held roughly steady over the past five years (-4.6%, Census ACS).

The ACS rental vacancy rate here is 8.3%, close to the range where market rents and HUD's FMR benchmark tend to track each other.

The Census ACS median gross rent across all rental units here is $774/month - the FY2025 HUD two-bedroom FMR of $933 runs 20.5% above that all-unit-types median. The two figures measure different things (ACS covers every rented unit; FMR targets a specific bedroom count), so a gap is expected, not an error.

Its 2-bedroom FMR is in the lowest national tenth (#16 most affordable of 384 metros), though the household budget still depends on local income.

The studio-through-two-bedroom FMR bands stay below 30% of recorded median income here; the larger-bedroom rows show where that headroom narrows.

Observed renter burden: 39.8% of the 10,326 renter households counted by ACS paid at least 30% of income in gross rent. This ACS 2023 household measure is distinct from the FY2025 HUD FMR benchmark.

ACS median household income lags the FY2025 HUD FMR schedule. The income share is a same-metro cross-source read (Census ACS B19013 vs HUD FMR), not a same-vintage ratio.

Studio

$655/mo

13.2% of median income

1 Bedroom

$747/mo

15.1% of median income

2 Bedroom

$933/mo

18.8% of median income

3 Bedroom

$1,226/mo

24.8% of median income

4 Bedroom

$1,388/mo

28.0% of median income

FMR filing desk

CBSA CBSA·19060

Cumberland: $747/mo 1BR · #16 of 384 metros (2BR) · FY2025 CBSA 19060

  • CBSA 19060
  • 1BR-FMR $747
  • 2BR-FMR $933
  • RANK-LOW #16
  • YOY-NA YoY pending
  • VSUS-BELOW -19%
  • IN-ST-LOW #1 MD
  • INC-ROOM 15%
  • POP-NA Pop n/a
  • PHOTO-NEAR Baltimore-Columbia
  • VOUCH-90-110 $672–$822
  • FY-2025 FY2025

Photo-finish peer: Baltimore-Columbia-Towson ($857 1BR gap)

Read with: How Fair Market Rent works

Where Cumberland sits among every US metro

2-bedroom Fair Market Rent vs. all 384 HUD metro areas

$933 higher than 4% of 384 metro areas

$800–$1,000: 54 metro areas (14%). This entry sits in this band. $1,000–$1,200: 119 metro areas (31%). Above this entry. $1,200–$1,400: 79 metro areas (21%). Above this entry. $1,400–$1,600: 46 metro areas (12%). Above this entry. $1,600–$1,800: 34 metro areas (9%). Above this entry. $1,800–$2,000: 24 metro areas (6%). Above this entry. $2,000–$2,200: 7 metro areas (2%). Above this entry. $2,200–$2,400: 8 metro areas (2%). Above this entry. $2,400–$2,600: 2 metro areas (1%). Above this entry. $2,600–$2,800: 8 metro areas (2%). Above this entry. $2,800–$3,000: 2 metro areas (1%). Above this entry. $3,000–$3,200: 0 metro areas (0%). Above this entry. $3,200–$3,400: 0 metro areas (0%). Above this entry. $3,400–$3,600: 0 metro areas (0%). Above this entry. $3,600–$3,800: 0 metro areas (0%). Above this entry. $3,800–$4,000: 0 metro areas (0%). Above this entry. $4,000–$4,200: 0 metro areas (0%). Above this entry. $4,200–$4,400: 1 metro areas (0%). Above this entry. This metro $800 $4,400 every US metro, bucketed by value

Each bar is a $0.2K-wide band; taller bars hold more metro areas. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

What this shows #16 of 384 HUD-tracked metro areas, 17% below the national 2-bedroom average. 53 other metro areas fall in this same rent band.

Source U.S. Department of Housing and Urban Development, Fair Market Rents · FY2025

CBSA 19060

Counties inside Cumberland

Across 2 HUD counties in CBSA 19060, 2-bedroom FMRs cluster tightly ($933–$933, 0% spread), so the metro-wide schedule tracks most constituent counties closely.

Allegany County 2BR $933 · 68K Mineral County 2BR $933 · 27K

Cumberland studio–4BR schedule (FY2025) · 2BR #16 most affordable

Each bedroom band is FY2025 HUD Fair Market Rent for CBSA 19060.

Studio
$655
US avg $854
-23% vs US
1 Bedroom
$747
US avg $919
-19% vs US
2 Bedroom
$933
US avg $1,130
-17% vs US
3 Bedroom
$1,226
US avg $1,469
-17% vs US
4 Bedroom
$1,388
US avg $1,693
-18% vs US

How Cumberland compares on 1-bedroom rent

1-bedroom FMR vs other MD metro areas

1BR FMR / mo

What this shows Cumberland highlighted among 4 peers · FY2025 1BR HUD FMR.

Source U.S. Department of Housing and Urban Development (HUD) As of FY2025

Cumberland: out-of-state FMR & burden peers

PlainRent pairs Cumberland with the 4 nearest HUD 2BR schedules and 4 nearest burden matches outside MD (burden peers exclude the FMR set; pop ≥50k).

2BR FMR · outside MD

Nearest schedules by 2BR delta (FY2025).

Davidson County
NC · 2 BR $933/mo
Bosque County
TX · 2 BR $933/mo
Hattiesburg
MS · 2 BR $933/mo
Wausau
WI · 2 BR $933/mo

Burden % · outside MD

Nearest 2BR FMR ÷ ACS median income (FY2025).

Mankato
MN · 18.9% of income · 2 BR $1,174/mo
Weirton-Steubenville
WV · 18.9% of income · 2 BR $899/mo
Columbus
IN · 18.9% of income · 2 BR $1,268/mo
Dothan
AL · 18.9% of income · 2 BR $896/mo

Cumberland: quick answers

What is the average rent in the Cumberland, MD-WV MSA metro area? ▼
The FY 2025 Fair Market Rent for a 1-bedroom in Cumberland, MD-WV MSA is $747 per month. A 2-bedroom is $933 and a studio is $655.
How does Cumberland, MD-WV MSA rent compare to the national average? ▼
Rent in the Cumberland, MD-WV MSA metro area is 19% below the national average. A 1-bedroom costs $747 compared to $919 nationally.
Where does Cumberland rank nationally for Fair Market Rent? ▼
HUD's FY 2025 2-bedroom FMR of $933 ranks #16 most affordable among 384 US metro areas (the lowest-rent tenth of HUD metro areas).
Do county rents differ inside the Cumberland metro area? ▼
Yes. HUD assigns one metro-wide FMR for CBSA 19060, but 2 constituent counties publish their own county FMR schedules spanning $933–$933 for a 2-bedroom (0% spread). Use county pages for filing at the county level.
Is Cumberland's population growing, and how tight is its rental market? ▼
Population has held roughly steady over the past five years (-4.6%, Census ACS). The ACS rental vacancy rate here is 8.3%, close to the range where market rents and HUD's FMR benchmark tend to track each other.

Compare Cumberland vs Baltimore-Columbia-Towson →

What this means for renters

Treat Cumberland's FY2025 Fair Market Rent as HUD's affordability benchmark, not a single market quote.

Fair Market Rent is HUD's 40th-percentile policy benchmark used to set Housing Choice Voucher payment standards. This is a metro-wide figure across 2 counties; actual asking rents in any specific county can run higher or lower, and HUD updates FMRs once a year. This site is informational and not financial or relocation advice.

Data as of FY 2025 (HUD has not published FY2026 FMR for this metro; corpus latest is FY2026). Source: U.S. Department of Housing and Urban Development (HUD) Fair Market Rents. Population and demographic data from U.S. Census Bureau American Community Survey (ACS).

Read our methodology - how this data is sourced, computed, and verified.

FY 2025 HUD FMR $747/mo · 1BR MD

Every figure on PlainRent is rendered directly from HUD's published Fair Market Rent records, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of FY 2025.