Cumberland, Rhode Island.
Typical home $522,041 (+2.2% in a year), asking rent $2,311 (+4.5%). Providence-Warwick, RI-MA metro.
to buy the typical home at today's mortgage rate — +$1,561 (+132%) since Jan 2020.
- 1 year
- Up $11,245 +2%
- $510,796$522,041 since Sep 2025
- 5 years
- Up $121,130 +30%
- $400,911$522,041 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Cumberland$2,740
- Rhode Island$2,669
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 13 years.
Typical home values in Cumberland, RI rose 2.2% over the past year — faster than the nation's +1.2%.
Asking rents in Cumberland, RI rose 4.5% over the past year — faster than the nation's +2.7%.
Owning the typical home in Cumberland runs $1,533/mo more than renting one — the widest that gap has been in this data.
That is $3,844 a month against $2,311 rent: a $2,740 mortgage payment, plus $545 property tax and $559 insurance & upkeep.
Owning vs renting — Cumberland
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$3,844
- Renting$2,311
- Mortgage only$2,740
Property tax · $545/mo 1.25% of value a year — the ACS 2020-2024 median bill over the median home value for Providence County, RI
Insurance & upkeep · $559/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Cumberland, Providence County, Rhode Island
Cumberland is a town of 36,405 people in Providence County. Half its households earn more than $117,522 a year and half less, against $78,787 across Providence County; 4% of its people live below the poverty line. 76% of its homes are lived in by their owners and 24% are rented. Unemployment in Providence County was 4.2% in August 2026, and the county had 0.9% more jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Cumberland is a town in Providence County, Rhode Island, with a population that leans somewhat older than many places, and a large share of adults hold a four-year degree. Most homes are lived in by their owners, and household incomes run well above the county's, with few residents living below the poverty line. Homes and rents here are on the costly side. Winters are cold and snowy, with January the coldest month, while summers are warm, and precipitation falls in good measure through the year.
Work. Many residents work in schools, hospitals and social care, with manufacturing, shops and professional and business services also employing a good number. Among the largest workplaces in Cumberland are Cumberland Schools, Tiffany and Company, and Blackstone Valley Prep A RI Mayoral Academy. Commutes are of moderate length, and a fair number of people work from home. Unemployment across Providence County has eased compared with a year earlier, and the county has added a few more jobs.
Things to do. Diamond Hill Reservoir lies in or beside town, and the Blackstone River is a short drive away. Also a short drive off is Roger Williams National Memorial, a protected area. For a bigger outing, Gillette Stadium is a longer drive away.
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- 14,297households
- 45%of adults have a degree
- 4%below the poverty line
- 26 mintypical commute
- 15%work from home
What residents work in
Employed residents by industry, from the Census survey. Providence County had 290,835 jobs in 2025, 0.9% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 38° and lows near 19°; warmest in July, with highs near 84° and lows near 63°. About 42 inches of snow and 52 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Woonsocket weather station, 4 miles away (NOAA).
Largest workplaces in Cumberland
- Cumberland SchoolsSchool district597FTE
- Tiffany and CompanyJewel settings and mountings, precious metal, manufacturing526
- Blackstone Valley Prep A RI Mayoral AcademySchool district327FTE
- CintasIndustrial launderers198
- Summit School ServicesSchool and employee bus transportation182
- Dave's Fresh Marketplace of CumberlandGrocery stores154
- J.H. Lynch & Sons, Inc - CumberlandPavement, highway, road, street, bridge or airport runway, construction127
- Rhode Island Energy Cumberland Building ADistribution of electric power123
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 24 workplaces with 20 or more staff, 2,459 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Heat wavesRelatively high
- Inland floodingRelatively high
- Cold wavesRelatively high
- LightningRelatively high
- Ice stormsRelatively high
- HurricanesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Providence County, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Providence County and the Providence-Warwick, RI-MA metro.
Cumberland home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Cumberland$522,041
- Rhode Island$508,507
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Cumberland listings, and the typical home goes pending in 11 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Cumberland27.15%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Cumberland11
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Cumberland88
New listings per month
Sellers arriving at the market.
- Cumberland40
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Cumberland$513,945
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Cumberland101.18%
Zip codes with a Cumberland address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Cumberland — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.