Cost of Living in Cumberland County, Maine
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Cumberland County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Cumberland County ranks #1,860 of 3,144 counties for affordability (bottom 41%)
Data Story
About Cost of Living in Cumberland County, Maine
Cumberland's housing costs pinch even high earners
Cumberland renters spend 19.3% of income on rent—higher than both Maine's average (17.4%) and the national average—despite the county's strong median household income of $92,983. This coastal premium reflects Cumberland's status as Maine's economic engine, home to Portland and surrounding prosperity.
Most expensive county in Maine by far
Cumberland ranks 16th (last) among Maine's 16 counties for affordability, with the highest rent-to-income ratio statewide and the most expensive median rent at $1,492. Even with the highest incomes in the state, Cumberland residents allocate significantly more to housing than peers.
Coastal premium outpaces all nearby counties
Cumberland's $1,492 rent dwarfs Hancock County ($1,000) to the north and Lincoln County ($1,003) to the northeast, reflecting Portland's urban demand. Median home values of $411,400 represent the priciest market in Maine and exceed Aroostook's by nearly $280,000.
Housing consumes a larger income share here
Renters pay $1,492 monthly while homeowners face $1,609, with the county's $92,983 median income still stretched thinner by housing costs than in other counties. At 19.3% of income devoted to rent alone, Cumberland households sacrifice more purchasing power despite higher absolute earnings.
Cumberland demands higher budget for urban benefits
If you're relocating to Maine's most vibrant urban center, expect to pay premium prices that offset strong incomes and opportunity. Compare Cumberland against the more affordable nearby counties—Hancock and Lincoln offer coastal charm at substantially lower costs.
Cost of Living Advisory: Cumberland County
Affordability Verdict
Cumberland County is affordable for renters, with a median gross rent of $1,492/month representing approximately 19.3% of median household income. The rent burden (GRAPI) stands at 29.0%.
Rent vs. Own
Renters in Cumberland County pay $1,492/month on average, compared to $1,609/month for homeowners. This market favors renters by about 7%.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $59,680/year. For owner costs at the 28% rule, the required income is roughly $68,957/year. With a median household income of $92,983, most households can comfortably afford rent here. Notably, 29.0% of renter households in Cumberland County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Within Maine, Cumberland County is more affordable than York County by roughly 20% ($1,492/mo vs $1,239/mo).
Affordability Calculator
See how your income compares to housing costs in Cumberland County
Rent Burden
19.3%
of gross income
Max Housing (28% Rule)
$2,170
per month
Owner Cost Burden
20.8%
of gross income
The median home in Cumberland County may be a stretch
Median home value is $411,400. Estimated monthly cost: $3,284 vs. your max of $2,170.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.
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