⚡ Featured Deal
Essentials for Your New Home
🛒 Shop This Deal NowAs an Amazon Associate I earn from qualifying purchases.
Cumberland, VA Utility & Living Guide
Utilities, housing, taxes, cost of living, and local insights — everything residents and families need.
Monthly Utility Costs
$140/mo
—
$50/mo
$30/mo
$60/mo
Housing Market
| Rent & Property | |
|---|---|
| 1 Bedroom | $1000/mo |
| 2 Bedrooms | $1300/mo |
| 3 Bedrooms | $1800/mo |
| Median Home Price | $280,000 |
| Property Tax Rate | 0.85% |
| Avg Childcare/mo | $900 |
The housing market in Cumberland is characterized by a mix of historic homes, rural properties, and new developments, with a moderate pace of growth. Home prices are relatively affordable compared to larger cities in the state. Rentals are also available, though options may be limited.
Cost of Living
94
-6% below national average
95
88
105
$900
Tax Rates
| Tax Overview | |
|---|---|
| Total Sales Tax | 5.3% |
| Property Tax Rate | 0.85% |
| <p>State 4.3% + County 1%</p> | |
Virginia has a progressive income tax system with rates ranging from 2% to 5.75%, and Cumberland County does not have a local income tax
Family & Relocation
70
7/10
$900/mo
City Pulse
Public transit options are limited in Cumberland, but the town is relatively walkable and bikeable, with some stroller-friendly sidewalks and parks
- Cumberland State Forest
- Bear Creek Lake State Park
- Cumberland County Fairgrounds
Best Neighborhoods for Families
Household Budget Calculator
Estimate your real monthly cost of living in Cumberland based on your household profile.
📰 Live Local News
Zoning laws and historic district regulations are key local rules for residents to be aware of, especially in the town’s historic areas
Financial Tools
- Income Tax CalculatorEstimate take-home pay by state
- Mortgage CalculatorMonthly payment estimator
- Affordability CalculatorHow much home can you afford?
- Childcare Cost EstimatorCompare daycare costs by city
- Retirement PlannerRetirement readiness check
- Car Lease CalculatorMonthly lease payment estimator
- Savings CalculatorGrow your emergency fund
- City Comparison ToolCompare cities side by side
Find Another City Guide
Search by city name or ZIP code to find utility costs, housing data and cost of living guides.
📊 Cumberland — Census & Demographic Data
Official data from the US Census Bureau, American Community Survey.
☀️ Seasonal Utility Costs
Utility costs in Cumberland tend to fluctuate with the seasons, with higher electricity bills in summer due to air conditioning and higher propane or heating oil costs in winter. However, the area's mild climate means that these fluctuations are relatively moderate.
🏛️ Local Tax Details
The ZIP code 23040 has a property tax millage rate of 0.85%, with no local surtaxes
👶 Family & Stroller Friendliness
6, due to the town's relatively walkable downtown area and some stroller-friendly parks, but limited sidewalk infrastructure in some areas and lack of elevator access in some public buildings
Virginia Living Report — July 27, 2026
With a population of roughly 8.6 million residents, Virginia stands as a state of stark contrasts: where the...
Read more →
Virginia Living Report — July 26, 2026
With a population of over 8.6 million and a median age of 38.7, Virginia occupies a unique middle...
Read more →
Virginia Living Report — July 25, 2026
Virginia has steadily grown into one of the most sought-after destinations in the Mid-Atlantic, drawing a mix of...
Read more →
Virginia Living Report — July 24, 2026
Finding the right place to call home is an exercise in balancing lifestyle with logistics. For those considering...
Read more →
Get your home essentials, storage, and moving supplies delivered.
Shop Moving EssentialsAs an Amazon Associate I earn from qualifying purchases.