Cumberland, MD-WV · Maryland
Allegany County
ZIP 21542
67,762 residents37 permits TTM$57,393 median HHI13 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$149,200
ACS 5-Year
Cap rate proxy
6.3%
FMR × 0.65 ÷ Home Value
Rent-to-income
16.4%
HUD FMR ÷ ACS HHI
Net migration
+0.80%
IRS SOI
Permits (TTM)
37
Census BPS
Climate risk
58.5
FEMA NRI (0–100)
ZIP 21542
Median home value
—
Gross yield
—
Cap rate
6.3%
Rent gap
—
Affordability
P/I: 2.6R/I: —
Section 8 detail
SAFMR: —Rent: —Gap: —
ZIP code breakdown13 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate | Rent gap |
|---|---|---|---|---|---|
| 21545 | — | — | — | 7.8% | — |
| 21540 | — | — | — | 6.3% | — |
| 21542 | — | — | — | 6.3% | — |
| 21543 | — | — | — | 6.3% | — |
| 21560 | — | — | — | 6.3% | — |
Ranked by composite score
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Demographics
Owner-occupied
70.3%
Census ACS
Vacancy rate
16.4%
Census ACS
Bachelor's degree +
21.1%
Census ACS
Rent burdened
40.6%
Census ACS (>30% income)
Median age
41.7
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026