What can you afford in Cumberland?
3,624 homes changed hands in Cumberland over the last 12 months (Jul 2025 – Jun 2026). Half sold for £175,000 or less, a quarter for under £124,000, and three quarters for under £260,000. Buying the median home with a 10% deposit needs roughly a £35,000 salary at the typical 4.5× lending multiple , see what £35,000 takes home.
Affordability in one number: the median home here sold for 4.1× the local median full-time salary of £42,461 (ONS ASHE 2025). A typical lender stretches to about 4.5× one income plus your deposit, which is why the deposit and second incomes decide so much here.
Sold prices · Cumberland
£175,000
median sold price, Jul 2025 – Jun 2026
- A quarter under
- £124,000
- Three quarters under
- £260,000
- Sales
- 3,624
- HPI average
- £173,130
What each salary reaches here
Budget = 4.5× salary with a 10% deposit, against the 3,624 actual sales.
| Salary | Budget | Share of sales in reach |
|---|---|---|
| £25,000 | £125,000 | 25.6% |
| £35,000 | £175,000 | 50% |
| £50,000 | £250,000 | 72.5% |
| £75,000 | £375,000 | 90.7% |
| £100,000 | £500,000 | 95.3% |
By property type · median sold price
And the salary that price implies, at 4.5× with 10% down.
| Type | Median · sales | Salary needed |
|---|---|---|
| Flat | £105,000 · 187 | ≈£21,000 |
| Terraced house | £127,500 · 1,318 | ≈£25,500 |
| Semi-detached house | £177,000 · 1,179 | ≈£35,400 |
| Detached house | £310,500 · 940 | ≈£62,100 |
For context, the UK House Price Index puts Cumberland average prices up 6.2% over 12 months.
Nearby in the index
Sold prices: HM Land Registry Price Paid Data (standard residential sales), Jul 2025 – Jun 2026, standard residential sales, England & Wales. Averages: UK House Price Index (HM Land Registry / ONS). Lending estimates use a typical 4.5× single-income multiple and are not a mortgage offer or financial advice.