Property Data OutlookCumberland
Data from Land Registry, ONS, Bank of England
Compare with another area →Market outlook for Cumberland
Key indicators for buyers
The Cumberland market looks favourable for buyers. Prices are rising at 6.1%, which may favour acting sooner rather than later. Affordability has improved from a peak of 5.1x in 2006 to 4.2x today. Rising rents (£656/mo, +7.5%) mean the cost of waiting is real.
Price trends
Average sale prices · HM Land Registry / UK HPI
Affordability ratio
House price ÷ median earnings · ONS data
A home in Cumberland costs 4.2x the local median salary — relatively affordable, improving from a peak of 5.1x in 2006.
Rental trends
Average monthly rent · ONS Private Rental Index
Average monthly rent in Cumberland is £656, up 7.5% year-on-year. Rents have risen consistently over the past five years.
Monthly mortgage
2yr fixed · 75% LTV · 25yr term · BoE avg. rate
Based on the average Cumberland price of £173,919 with a 25% deposit (£43k), a 2-year fixed mortgage at 3.97% costs around £686 per month.
Rent vs buy snapshot
Monthly cost comparison based on current data
Monthly mortgage payments (£686) are £30 more than renting (£656). However, buying requires an upfront deposit of £43k — it would take around 9 years to recoup that cost compared to renting and investing the difference.
Recent sales
Latest transactions · HM Land Registry Price Paid Data
| Address | Type | Price | Date |
|---|---|---|---|
DALEGARTH, ENNERDALE CA23 3AR | Semi-detached | £245,000 | 26 Jan 2026 |
91, UPPERBY ROAD CA2 4JL | Semi-detached | £237,500 | 23 Jan 2026 |
43, MAXWELL DRIVE, KINGSTOWN CA6 4EB | Detached | £320,000 | 23 Jan 2026 |
2, DALLAM WAY CA28 9SF | Semi-detached | £180,000 | 23 Jan 2026 |
1, GRAHAMS CROFT, WARWICK ON EDEN CA4 8PE | Detached | £260,000 | 23 Jan 2026 |
3, ROACHBURN SIX COTTAGES, TINDALE FELL CA8 2QD | Terraced | £198,000 | 23 Jan 2026 |
13, MEADOWLANDS, BROUGHTON MOOR CA15 7EB | Semi-detached |
Data sources (all free & public): HM Land Registry Price Paid Data & UK House Price Index · ONS Housing Affordability Ratios · ONS Private Rental Index · Bank of England Quoted Household Interest Rates · HMRC Monthly Property Transactions
Contains HM Land Registry data © Crown copyright and database right 2021. This data is licensed under the Open Government Licence v3.0.