Cumberland Homes under $400,000

Cumberland Homes under $400,000

Welcome to Cumberland, Maryland – a hidden gem nestled in the scenic Allegany County! Known for its rich history and breathtaking landscapes, Cumberland offers a unique blend of small-town charm and modern amenities. This vibrant city, once a bustling hub during the coal and railroad boom, is now a thriving community that celebrates its heritage while looking toward the future.

Cumberland is surrounded by the stunning Appalachian Mountains, providing a picturesque backdrop for outdoor enthusiasts. Whether you enjoy hiking, biking, or simply taking in the serene beauty, the nearby Great Allegheny Passage offers miles of trails that are perfect for exploring. The city also boasts a delightful downtown area filled with eclectic shops, restaurants, and cultural attractions, making it a wonderful place to live, work, and play.

For those seeking affordable housing options, Cumberland is an excellent choice. With a variety of homes available for under $400,000, you can find the perfect residence to suit your lifestyle. From charming historic homes to modern new builds, there’s something for everyone in this welcoming community. Families, retirees, and young professionals alike can enjoy the benefits of homeownership without breaking the bank.

Cumberland's strong sense of community, coupled with its affordability, makes it an ideal location for those looking to settle down. Come explore the possibilities that await you in this captivating city, where your dream home and a vibrant lifestyle are just waiting to be discovered!

Newest Cumberland Homes under $400,000

11521 Bank Ave, Cumberland
$100,000
1 Beds ⋅ 1 Baths

11521 Bank Ave, Cumberland

Listing courtesy of Berkshire Hathaway HomeServices Homesale Realty. Contact:

12512 Bowling St, Cumberland
$89,000
2 Beds ⋅ 1 Baths
Calling all investors!!! Don't miss your chance to grab this corner lot home with great potential. Great location and tons of potential. Home offers 2 bedrooms and a full bath with an adjoining office/nursery/den off of the 2nd bedroom. Great corner lot with carport and covered side porch.

12512 Bowling St, Cumberland

Listing courtesy of Coldwell Banker Premier. Contact:

243 S Massachusetts Ave, Cumberland
$30,000
3 Beds ⋅ 1 Baths
ONLINE AUCTION: This auction takes place on the Ashland Auction Group Website Bidding Platform.Bidding begins 10/22/2026 @ 10:00 AM. Bidding ends 10/26/2026 @ 11:40 AM. List Price is Suggested Opening Bid. Deposit: $5,000. Single story detached home located in the Cumberland Maryland. JUST MINUTES to many retail and dining options along W Industrial Blvd. Less than 3 miles to downtown Cumberland. Easy access to major traffic artery W Industrial Blvd. Property is vacant.

243 S Massachusetts Ave, Cumberland

Listing courtesy of Ashland Auction Group LLC. Contact:

718 Gephart Dr, Cumberland
$159,900
3 Beds ⋅ 1 Baths
Fully renovated three-bedroom, one-bath bungalow on Cumberland’s West Side, offering approximately 1,053 square feet of one-level living and a full basement for storage. Seller reports a new roof installed in 2026, a new air-conditioning unit and an updated heating system. Convenient to downtown Cumberland and I-68. Available separately or as part of a Cumberland portfolio with 481–483 Goethe Street and 9 N Waverly Terrace, including the adjoining 7 N Waverly parcel. Contact the listing agent for portfolio details and showing arrangements.

718 Gephart Dr, Cumberland

Listing courtesy of RG Realty, Inc.. Contact:

914 Harding Ave, Cumberland
$189,900
3 Beds ⋅ 1 Baths
This house is going to make you stop in your tracks! Renovated throughout, starting with new flooring, ceramic tile in the kitchen, granite countertops, stainless appliances. The cozy gas fireplace in the living room is an amazing addition! Separate dining room great for entertaining. Outside you will find a newly fenced in yard with a great patio space perfect for relaxation. New metal roof installed on the house and garage, along with a newer gas furnace, central air and new flooring so the big ticket items are already handled! The front porch is inviting you to sit and relax with a cup of joe and just enjoy the peacefulness.

914 Harding Ave, Cumberland

Listing courtesy of Everest Consulting Group LP. Contact:

13111 Valley Rd Ne, Cumberland
$215,000
3 Beds ⋅ 2 Baths
If you’ve been dreaming of a little country charm with the convenience of being just minutes from town, this could be the one! Surrounded by beautiful farmland and peaceful country scenery, this 3-bedroom, 2-bath home offers a setting that feels a world away from the hustle and bustle, while keeping everyday conveniences close at hand. Enjoy your morning coffee or unwind at the end of the day in the sunroom, taking in the quiet surroundings. The home has had extensive improvements in the last year. Have a peace of mind knowing major upgrades have been made by licensed professionals. Including a complete whole-home electrical rewire, upgraded electrical service and panel, whole-house surge protection, a new oil furnace, and extensive interior restoration and reconstruction featuring updated drywall, paint, flooring, trim, and other finishes. This home offers a main-level bathroom (recently updated) and laundry area for everyday convenience. Upstairs you will find three bedrooms that receive wonderful natural sunlight. Walkable attic access featuring ample storage space. The second level bathroom offers a large amount of space, an updated shower, and a door to the backyard bridge. Outside you will find a garage with electric, paved driveway, landscaping, a fire pit and a chicken coop. Without forgetting the spacious green lot filled with wildflowers throughout. With its peaceful setting, charming country feel, and major improvements already completed, this home offers a wonderful opportunity to enjoy the slower pace of country living without giving up the convenience of town nearby. Come see all the possibilities this special property has to offer!

13111 Valley Rd Ne, Cumberland

Listing courtesy of Mountainside Home Realty. Contact:

409 Arch St, Cumberland
$175,000
4 Beds ⋅ 2 Baths
Room to grow, style to love, and a location you can’t beat. This one won’t last long! Welcome to 409 Arch Street, a spacious, recently remodeled home just minutes from downtown Cumberland. This 5-bedroom, 1.5-bath home has new laminate plank flooring throughout and is move-in ready. The main level has a comfortable living room, a separate dining room for get-togethers, and an eat-in kitchen for everyday meals. A main-level bedroom works well as a guest room, home office, or an easy-access bedroom. Upstairs are additional generous bedrooms, so there’s plenty of room for everyone. Outside, you can relax on the front porch or the side porch. A detached garage in the rear gives you parking, storage, or workshop space. The location is convenient, close to downtown Cumberland, shopping, restaurants, and medical facilities. Homes this size, this updated, and this close to everything don’t come along often. Schedule your showing today before it’s gone!

409 Arch St, Cumberland

Listing courtesy of EXP Realty, LLC. Contact:

14308 N Bel Air Dr Sw, Cumberland
$320,000
5 Beds ⋅ 2 Baths
You’ve seen it being worked on, and you’ve wondered what was going on inside. Now it’s DONE, so get ready to be WOWED! This fully renovated 5 bedroom, 2 full bath home in the Bel Air neighborhood is one you have to see in person. Step inside and you’ll find new laminate plank flooring alongside freshly refinished hardwood floors, with recessed lighting that makes every room bright and welcoming. The kitchen is the heart of the home. It has gleaming granite countertops, appliances included, plenty of cabinetry, and a bar/island area that’s perfect for casual meals, homework sessions or gathering with friends. When it’s time to entertain, the separate dining room with classic chair railing sets the scene for special dinners. The family room gives everyone room to relax and spread out. Your primary suite is a true retreat, with its own wood-burning fireplace for cozy nights in. Both bathrooms are brand new. Five bedrooms give you room for guests, a home office, a gym or hobby space. A utility room with washer and dryer included makes laundry day easy. Peace of mind is built in, with New roof and gutters, new 200-amp electrical service and central air. Outside, picture yourself on the brand-new rear deck in the quiet of the morning with your coffee, or unwinding there on a peaceful evening. A storage shed and driveway parking round out the property. The location is a big part of the appeal. Bel Air is an established neighborhood with access to the community pool and recreation amenities, and Bel Air Elementary is right in the neighborhood. You’re just minutes from shopping, dining and everyday errands in LaVale and Cumberland, and close to major employers including UPMC Western Maryland and Northrop Grumman. Routes 220 and I-68 make the commute easy. This home is move-in ready for the holidays. Imagine celebrating your first season here! Homes like this don’t come along often, so call today to schedule your private tour before someone else calls it home!

14308 N Bel Air Dr Sw, Cumberland

Listing courtesy of EXP Realty, LLC. Contact:

13901 Oleander Dr Sw, Cumberland
$399,000
5 Beds ⋅ 3 Baths
This lovely, contemporary residence is nestled on nearly 3/4 acres, and offers a blend of comfort and style. Boasting over 3,000 square feet, this thoughtfully designed home features a total of five spacious bedrooms and three full bathrooms! Step inside to discover a warm and inviting interior adorned with lovely crown moldings and exposed beams. The open floor plan seamlessly connects the living room and dining areas to the kitchen, creating an ideal space for gatherings. The kitchen is well-equipped, boasting stainless steel appliances, a generous island, built-ins, a pantry and a cozy dining area. The house stays nice and warm with an efficient pellet stove! The two main-level bedrooms, are just down the hall from the dining area. The primary suite, with two walk-in closets and a beautifully appointed bathroom features a tub/shower combo. The fully finished basement/Mother-In-law Suite is easily accessed by a private entrance that is at walkout level. This extra, lower level living space provides a living room with pellet stove, kitchen, two bedrooms and a Full Bath with laundry! Outside, the property is a true oasis and the perfect space for outdoor activities. Enjoy evenings on the expansive deck, perfect for outside dining or simply enjoying nature. The views are wonderful! And, a drumroll please!!! Check out the 36x40 detached, oversized garage with space for six vehicles, and a workbench and cabinetry for your projects! A car enthusiasts dream! The property also features a paved driveway and ample off-street parking, accommodating guests with ease. With its prime location, close to I68, restaurants and shopping this home offers a lifestyle that embraces both comfort and convenience. Call for your appointment to tour today!

13901 Oleander Dr Sw, Cumberland

Listing courtesy of Long & Foster Real Estate, Inc.. Contact:

429 Columbia St, Cumberland
$129,000
3 Beds ⋅ 2 Baths
This charming 1901 home offers generously sized rooms, 3 bedrooms, and 2 full baths. Character-filled details include warm wood floors, built-ins, and a spacious eat-in kitchen. The kitchen and bathrooms have been renovated and the laundry conveniently moved upstairs! Enjoy a soaking tub, inviting porch, private rear yard, patio, and off-street parking area for two cars. With strong investment potential and room to add value, this property is ready for your vision.

429 Columbia St, Cumberland

Listing courtesy of Long & Foster Real Estate, Inc.. Contact:

623 Hill Top Dr, Cumberland
$180,000
3 Beds ⋅ 2 Baths
Discover the charm of this well maintained, brick ranch style home! Step inside to find beautiful hard wood floors and built in cabinetry throughout. The finished basement provides ample space for a cozy family room, home office, or extra bedroom, whatever suits your lifestyle! The attached garage not only offers convenient parking but also features additional storage space, making organization a breeze. The inviting layout flows seamlessly, allowing natural light to fill the living areas, creating a warm and welcoming atmosphere. Imagine hosting gatherings on the spacious back porch or enjoying quiet evenings in your sunroom. Outside, the manageable yard offers plenty of room for gardening, outdoor activities, or simply unwinding in the fresh air. The location provides easy access to local amenities, ensuring that everything you need is just a short drive away. This home is more than just a property; it's a place where memories are made. Whether you're looking to settle down or seeking a new adventure, this charming residence is ready to welcome you home. Don't miss the opportunity to make it yours!

623 Hill Top Dr, Cumberland

Listing courtesy of Better Homes & Gardens Real Estate Old Line Group. Contact:

521 Henderson Ave, Cumberland
$92,000
3 Beds ⋅ 2 Baths
Priced to Sell!! This updated home will make a nice single family home or would be a great addition to an investor's portfolio. It is move in ready and offers 3 bedrooms and 1.5 baths. There is a nice covered side porch and an upper porch off one of the bedrooms. Convenient to Downtown Cumberland and other amenities. Make your appointment to come see this property today.

521 Henderson Ave, Cumberland

Listing courtesy of Coldwell Banker Premier. Contact:

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