The story of this market
The typical home in Cumberland County, North Carolina sells for about $256,000, or $152 per square foot.
Prices are down 7.8% from a year ago, which gives buyers more room to negotiate. Homes take about 61 days to sell, which is slow. Over the long run, values in this county have grown 81% since 2000. Last year 32 of 54 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is winter weather, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $1,476 a month.
HUD sets the fair market rent for a 2-bedroom at $1,476 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: 2022 (+16.7%). Worst: 2013 (-2.4%). Hover to read a year.
Monthly price momentum
Home values since 2015
+2.7%
NC · 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
$1,937
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 54 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
40
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $90,247,547.
Mortgage activity
Home lending in this county
72.6%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 13774 | 6197 | 72.6% | 6.4% | $135,000 |
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 Approval rate is approved ÷ decided (withdrawn and incomplete files excluded).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, North Carolina
The Cumberland County housing market is currently experiencing a cooling phase, characterized by a year-over-year decline in median sale prices and an increase in days on market. High interest rates and a shift in buyer demand have led to a rise in price cuts, signaling a transition toward a more buyer-friendly environment.
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: median price corroborated by the published ten-year series (2024) (within 12.5%).
Select a city to expand its ZIP intel reports beneath · 10 cities · 20 ZIP reports
Median prices moved up 0.3% year over year.
Homes spend a median of 49 days on market with 6.3 months of supply — a balanced-paced market.
1% of listings have cut prices · homes sell at 2.19% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.2% · poverty 15.8% — a stable, low-distress profile.
Owned and leased federal assets with active or excess status, per the General Services Administration's Real Estate Across the United States inventory (read 2026-09-25). A federal footprint read on this county — not a market valuation, and never an attribute of any individual property or tenant.
Deterministic aggregate of 18 researched ZIP reports of 20 — 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.
Cumberland County, North Carolina — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 7.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
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 20, 2026.
researched Sep 16
researched Sep 17
researched Oct 8
researched Oct 8
researched Sep 17
researched Oct 8
researched Oct 8
researched Oct 8
researched Sep 20
researched Sep 16
| 28301 | Fayetteville | $164,900 | $147 | 0% | 58 | — | — | — | 103 | $951 | researched Sep 16 |
| 28302 | Fayetteville | $239,869 | $147 | -0.1% | 57 | 98.5% | 47.4% | 3.7 | 3,661 | $1,500 | researched Sep 17 |
| 28303 | Fayetteville | $208,639 | $117 | +0.6% | 37 | — | — | 18.7 | 15,640 | $1,453 | researched Oct 8 |
| 28304 | Fayetteville | $198,694 | $131 | -0.9% | 36 | 98.5% | 22% | 4.2 | 179 | $1,350 | researched Oct 8 |
| 28305 | Fayetteville | $305,000 | $173 | -5.5% | 42 | — | — | — | 56 | $1,071 | researched Sep 17 |
| 28306 | Fayetteville | $275,845 | $155 | +7.1% | 48 | 98.2% | 18% | 3.2 | 234 | $1,819 | researched Oct 8 |
| 28307 | Fayetteville | $240,000 | $145 | -0.1% | 30 | 98.5% | 15% | 3.2 | 120 | $1,350 | researched Oct 8 |
| 28308 | Pope Army Airfield | $225,510 | $158 | +0.1% | 21 | — | — | — | 2,630 | $1,500 | researched Oct 8 |
| 28309 | Fayetteville | $240,000 | $147 | -0.1% | 30 | 98.9% | 30.5% | 3.7 | 3,504 | $1,500 | researched Sep 20 |
| 28310 | Fort Bragg | $240,000 | $147 | -0.1% | 30 | — | — | — | 1,600 | $1,500 | researched Sep 16 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Cumberland County experiences crime rates that are generally higher than the North Carolina state average, with property and violent crime concentrated primarily in urbanized areas of Fayetteville.
The county is served by the Cumberland County Schools district, which faces ongoing challenges in academic performance metrics compared to state averages, though it maintains a diverse range of magnet and specialized programs.
The region is susceptible to hurricane-related flooding and wind damage, particularly in low-lying areas near the Cape Fear River, necessitating robust flood insurance coverage for many property owners.
Economic momentum is anchored by the massive presence of Fort Liberty (formerly Fort Bragg), which drives significant demand for housing and services, alongside ongoing revitalization efforts in downtown Fayetteville.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (North Carolina) — Tax Lien Attachment: A tax lien attaches to all real property, taking priority over all other liens and encumbrances regardless of when they were created. State (North Carolina) — Ad Valorem Property Tax: Tax is calculated by multiplying the assessed value of the property by the combined state and local tax rate. The formula is: Tax = (Assessed Value / 100) * Tax Rate.
The economy is heavily dependent on the military-industrial complex centered around Fort Liberty, supplemented by healthcare, education, and retail sectors.
The county is served by major corridors including I-95 and I-295, which facilitate regional logistics and commuting, though public transit remains limited outside the Fayetteville city core.
The Cumberland County Tax Administration performs property assessments on a cyclical basis to determine fair market value for ad valorem tax purposes.
The county includes various special service districts for fire protection and water/sewer utilities, alongside the Cumberland County Schools district.
Property insurance premiums in the county are influenced by regional hurricane risk, leading to higher costs for wind and flood coverage compared to inland areas.
- White Lake Water Park4.324.8 mi
- Main Event Fayetteville4.414.7 mi
- Sky Zone Trampoline Park4.414 mi
- Epic Fun Park - Fayetteville4.412.2 mi
- Urban Air Trampoline and Adventure Park4.214.4 mi
- Crown Coliseum4.49.2 mi
- Cape Fear Botanical Garden4.69.4 mi
- Golden Corral Buffet & Grill4.114.8 mi
- Sky Zone Trampoline Park4.414 mi
- Segra Stadium4.810.4 mi
- AMC Fayetteville 144.415.2 mi
- AMC Market Fair 154.514.9 mi
- Cape Fear Botanical Garden4.69.4 mi
- Lake Rim Park4.517.6 mi
- Airborne & Special Operations Museum Foundation4.910.5 mi
- Airborne & Special Operations Museum Foundation4.910.5 mi
- Cape Fear Vineyard and Winery4.525.7 mi
- 82nd Airborne Division War Memorial Museum4.719.7 mi
- Fascinate-U Children's Museum4.210.1 mi
- JFK Special Warfare Museum4.718.6 mi
- Cape Fear Botanical Garden4.69.4 mi
- Lake Rim Park4.517.6 mi
- Deep Creek ATV4.516.3 mi
- Clark Park Nature Center4.711.6 mi
- Mazarick Park4.511.9 mi
- The Marina At White Lake4.724.8 mi
- Carolina Lakes Marina private property4.528.5 mi
- Stryker Golf Course at Fort Bragg4.117.1 mi
- King's Grant Golf & Country Club4.115.2 mi
- Ryder Golf Course @ Fort Bragg4.318.9 mi
- Baywood Golf Club3.87.4 mi
- Cypress Lakes Golf Course4.37.7 mi
- Cross Creek Mall414.6 mi
- Publix Super Market at Tallywood Shopping Center4.512.2 mi
- Fort Bragg North Post Main Exchange4.419.1 mi
- Super Compare Foods of Fayetteville4.116.3 mi
- Harris Teeter4.511.8 mi
- Fayetteville Regional Airport (FAY)3.78.3 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
A 80-acre garden located between the Cape Fear River and Cross Creek, offering educational programs and scenic walking trails.
Home to the Fayetteville Woodpeckers, this downtown stadium serves as a major anchor for local entertainment and community events.
A world-class facility in downtown Fayetteville dedicated to the history of U.S. Army airborne and special operations forces.
Retrieved from data.census.gov
applies when — Applies to parcels where the title holder has created or is subject to recorded easements, restrictions, or conditions.
Imposes binding limitations on the use, development, or maintenance of the parcel as defined in the recorded instrument.
N.C. Gen. Stat. § 39-6.4
Tax is calculated by multiplying the assessed value of the property by the combined state and local tax rate. The formula is: Tax = (Assessed Value / 100) * Tax Rate. Assessment is based on the true value in money, with counties required to conduct revaluations at least every eight years.
N.C. Gen. Stat. Chapter 105, Article 12 (2025)
applies when — Applies to parcels governed by a Homeowners' Association (Chapter 47F) or Condominium Association (Chapter 47C) where assessments remain unpaid.
Associations may file a claim of lien and foreclose in a manner similar to a mortgage under power of sale, or through a civil action.
N.C. Gen. Stat. § 47F-3-116 and § 47C-3-116
A tax lien attaches to all real property, taking priority over all other liens and encumbrances regardless of when they were created.
N.C. Gen. Stat. § 105-355
Allows for non-judicial foreclosure, though it requires a hearing before the Clerk of Superior Court to authorize the sale. Borrowers are entitled to a pre-foreclosure notice at least 45 days prior to the filing of a notice of hearing for primary residences.
N.C. Gen. Stat. Chapter 45, Article 2A and Article 11
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.