The story of this market
The typical home in Cumberland County, Tennessee sells for about $349,000, or $201 per square foot.
Prices are up +10.8% from a year ago, so sellers still have some momentum. Homes take about 73 days to sell, which is slow. Over the long run, values in this county have grown 96% since 2000. Last year 13 of 16 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is lightning, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $1,039 a month.
HUD sets the fair market rent for a 2-bedroom at $1,039 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Price climate
Every year of price change, 2000–2025
0%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2021 (+17.9%). Worst: 2010 (-5.4%). Hover to read a year.
Monthly price momentum
Home values since 2015
-0.4%
TN · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,410
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
0%
2025 change
FHFA repeat-sales index, median of 16 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
42
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $18,509,033.
Mortgage activity
Home lending in this county
74.6%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 2558 | 1299 | 74.6% | 3.2% | $165,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Cumberland County, Tennessee
Cumberland County's housing market shows strong price appreciation with a 10.8% year-over-year increase in median sale prices. While inventory remains elevated at 1,700 active listings, demand is showing signs of recovery as evidenced by increased sales volume compared to the previous year. The market is currently balancing higher listing prices with a steady rental demand.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 2 cities · 4 ZIP reports
Median prices moved down 6.5% year over year.
Homes spend a median of 73 days on market with 0.0 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 95.84% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.8% · poverty 13.2% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Deterministic aggregate of 4 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Each property observation weighs one in its ZIP's deterministic roll-up — property-level records (taxes, scores, permits) never roll individually. Latest property research run Sep 16, 2026.
researched Sep 17
researched Sep 17
researched Oct 1
researched Sep 21
| 38555 | Crossville | $357,000 | $179 | +2.1% | 68 | 97.2% | 12.5% | 5.2 | 342 | $804 | researched Sep 17 |
| 38571 | Crossville | $329,250 | $185 | +4.2% | 85 | 97.5% | 12% | 4.2 | 191 | $798 | researched Sep 17 |
| 38572 | Crossville | $359,900 | $233 | -6.7% | 73 | 97% | — | — | 434 | $956 | researched Oct 1 |
| 38574 | Monterey | $120,000 | $230 | 0% | 29 | — | — | — | 357 | $754 | researched Sep 21 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
- Chuckles4.35.6 mi
- Cumberland County Playhouse4.84.8 mi
- Grinder House Coffee Shop4.63.4 mi
- Blue Water RV Resort4.729.1 mi
- Screen Door Kitchen4.628.1 mi
- Chuckles4.35.6 mi
- Cumberland Mountain State Park4.71.4 mi
- Ozone Falls State Natural Area4.812 mi
- Virgin Falls State Natural Area4.816.6 mi
- Bear Trace At Cumberland Mountain (TN Golf Trail)3.91 mi
- Catoosa Wildlife Management Area4.515.7 mi
- Fall Creek Falls Betty Dunn Nature Center4.824.6 mi
- Fort Southwest Point State Historic Park4.727.9 mi
- Rhea County Court House Dayton TN4.628 mi
- Tanner's Historic Cafe4.727.8 mi
- Cumberland Homesteads Tower Museum4.62.2 mi
- Caney Creek RV Resort4.424 mi
- Blue Water RV Resort4.729.1 mi
- Blue Springs Marina4.422.9 mi
- Euchee Marina Resort & Campground4.523 mi
- Crows Nest Restaurant4.222.9 mi
- Bear Trace At Cumberland Mountain (TN Golf Trail)3.91 mi
- Lake Tansi Golf Course4.52.5 mi
- Stonehenge Golf Club4.411.1 mi
- Heatherhurst Golf Course4.512.4 mi
- Dorchester Golf Club4.510 mi
- Rural King4.54.4 mi
- Crossville Flea Market Inc3.86 mi
- Piggly Wiggly4.116.9 mi
- DG Market4.23.1 mi
- Dollar General3.916.7 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Data retrieved from data.census.gov county-level tables.