Cumberland: what a home costs and what you need to earn
North West. House prices are based on 3,675 sales over the last 12 months.
How we rate: buying compares the typical home price with median pay (under 5× affordable, 5 to 8× fairly affordable, 8 to 11× expensive, over 11× very expensive). Renting compares a year of average rent with median pay (under 25% affordable, 25 to 33% fairly affordable, 33 to 40% expensive, over 40% very expensive). Crime compares the rate per resident with the England and Wales average.
What the numbers say about Cumberland
Across all property types, the typical home sold in Cumberland over the past year cost £175,000, which is 4.1× median full-time pay. Measured against pay, Cumberland is the 2nd least expensive of 316 areas for buying; the typical area is 7.6×. Within the North West it is the least expensive of 35 areas.
For a terraced house at £128,000, a lender would typically look for an income of around £25,500, and the 10% deposit would be £13,000, about 4 months of median gross pay. Median full-time pay here is £42,461, 166% of the income needed, so on these assumptions one median earner could meet the test alone.
Renting a terraced house costs about £679 a month, which is 19% of median gross pay. Across all property types the average rent is £681 a month. Measured against pay, it is the least expensive of 316 areas for renting. Rents rose 7.0% over the latest year ONS measured, faster than the typical area (3.9%).
Median full-time pay of £42,461 is the 85th highest of 316 areas; the typical area is £38,328. This is pay for people who live in Cumberland, wherever they work.
Police recorded 74.3 crimes per 1,000 residents in the year, which is 9% below average for England and Wales (81.3). That makes it around the middle of 310 areas (142nd highest) for recorded crime per resident. The category furthest below average is vehicle offences (67% below).
Buying
| Property type | Sales | Median price | Price ÷ pay | Deposit (10%) | Income typically needed |
|---|---|---|---|---|---|
| Detached | 935 | £305,000 | 7.2× | £30,500 | £61,000 |
| Semi-detached | 1,216 | £175,250 | 4.1× | £17,500 | £35,000 |
| Terraced | 1,328 | £128,000 | 3.0× | £13,000 | £25,500 |
| Flat | 196 | £108,667 | 2.6× | £11,000 | £21,500 |
Renting
| Property type | Average rent a month | Rent a year | Share of median pay |
|---|---|---|---|
| Detached | £938 | £11,256 | 27% |
| Semi-detached | £759 | £9,108 | 21% |
| Terraced | £679 | £8,148 | 19% |
| Flat | £585 | £7,020 | 17% |
How prices in Cumberland have changed
Average house price for all property types, by year. The last point is the latest 12 months.
Show the figures
| Year | Average price |
|---|---|
| 1995 | £40,703 |
| 1996 | £39,659 |
| 1997 | £41,794 |
| 1998 | £43,199 |
| 1999 | £44,706 |
| 2000 | £46,095 |
| 2001 | £48,141 |
| 2002 | £54,910 |
| 2003 | £69,273 |
| 2004 | £91,257 |
| 2005 | £105,964 |
| 2006 | £118,050 |
| 2007 | £127,184 |
| 2008 | £124,633 |
| 2009 | £117,232 |
| 2010 | £121,627 |
| 2011 | £117,908 |
| 2012 | £115,504 |
| 2013 | £115,028 |
| 2014 | £118,674 |
| 2015 | £119,050 |
| 2016 | £123,351 |
| 2017 | £126,455 |
| 2018 | £128,958 |
| 2019 | £128,737 |
| 2020 | £130,450 |
| 2021 | £140,305 |
| 2022 | £152,312 |
| 2023 | £154,016 |
| 2024 | £158,466 |
| 2025 | £165,712 |
| 12 months to July 2026 | £170,220 |
The average home price in Cumberland was £123,351 in 2016 and £170,220 in the 12 months to July 2026, a rise of 38% over ten years. The typical area of England and Wales saw a rise of 36%. That makes Cumberland around the middle of 316 areas (141st fastest-rising) for ten-year price growth.
Going back to 2005, the average price has moved from £105,964 to £170,220, a rise of 61% (the typical area: a rise of 84%).
Prices fell 10% after the 2008 financial crisis, from £127,184 in 2007 to £115,028 in 2013. They did not get back to their 2007 level until 2018.
Prices are cash figures, not adjusted for inflation, and come from the HM Land Registry UK House Price Index, which uses a different method from the median prices above, so the two will not match exactly.
How rents in Cumberland have changed
Average monthly rent for all property types, by year. The last point is the latest month.
Show the figures
| Year | Average rent |
|---|---|
| 2015 | £464 a month |
| 2016 | £469 a month |
| 2017 | £475 a month |
| 2018 | £481 a month |
| 2019 | £485 a month |
| 2020 | £491 a month |
| 2021 | £499 a month |
| 2022 | £514 a month |
| 2023 | £543 a month |
| 2024 | £581 a month |
| 2025 | £629 a month |
| August 2026 | £681 a month |
The average rent in Cumberland was £464 a month in 2015 and £681 in August 2026, a rise of 47%. The typical area of England and Wales saw a rise of 52%. That makes Cumberland the 91st slowest-rising of 316 areas for rent growth since 2015.
Over the same period the average house price rose 43%. Rents and house prices have risen at a similar pace here.
Rent figures are from the ONS Price Index of Private Rents and are cash figures, not adjusted for inflation.
Crime
Police recorded crime in the year ending March 2026, per 1,000 residents, against the average for the areas of England and Wales covered here.
| Type of crime | Per 1,000 residents | England and Wales average | Compared with average | Change on a year earlier |
|---|---|---|---|---|
| All recorded crime (excluding fraud) | 74.3 | 81.3 | 9% below average | −4% |
| Violence against the person | 33.2 | 31.0 | 7% above average | −4% |
| Sexual offences | 3.4 | 3.4 | about average | −11% |
| Robbery | 0.3 | 1.4 | 79% below average | – |
| Residential burglary (per 1,000 households) | 2.6 | 6.2 | 58% below average | −17% |
| Vehicle offences | 1.6 | 4.9 | 67% below average | −8% |
| Theft from the person | 0.3 | 1.6 | 83% below average | – |
| Criminal damage and arson | 8.1 | 7.1 | 15% above average | −2% |
Recorded crime in Cumberland was 77.4 per 1,000 residents in the year ending March 2025 and 74.3 in the year ending March 2026, down 4%. Across England and Wales it was down 4%.
Changes are left blank where the rate is very low, as a few extra crimes would look like a big swing. This is one year's change only, so it can reflect one-off events or changes in how police record crime, not just a real trend. Rates per resident use ONS population estimates for each year.
Cumberland is made up of several police partnership areas, and the figures above combine them. Their total recorded crime per 1,000 residents: Allerdale 68.9, Carlisle 84.4, Copeland 64.8.