The story of this market
The typical home in Cumberland County, Illinois sells for about $126,000, or $75 per square foot.
Prices are up +15.2% from a year ago, so sellers still have some momentum. Homes take about 113 days to sell, which is slow. Over the long run, values in this county have grown 48% since 2000. The biggest natural hazard here is drought, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $930 a month.
HUD sets the fair market rent for a 2-bedroom at $930 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Moderate.
Price climate
Every year of price change, 2000–2025
0%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2021 (+14.1%). Worst: 2000 (-9%). Hover to read a year.
Monthly price momentum
Home values since 2015
+5.4%
IL · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,108
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
0%
2025 change
FHFA repeat-sales index, median of 3 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
83
Relatively Moderate
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $7,399,316.
Mortgage activity
Home lending in this county
81.1%
2019 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 207 | 109 | 74.5% | 4.8% | $95,000 |
| 2019 | 205 | 117▲ | 81.1%▲ | 0% | $125,000▲ |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Cumberland County, Illinois
Cumberland County maintains a stable, rural housing market with high homeownership rates and accessible pricing compared to national averages. The market is characterized by low inventory and a slow, steady pace of sales, with values showing resilience despite a slight population decline.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: median price diverges 29.1% from the nearest retained anchor (published ten-year series (2025)) — beyond the 12.5% tolerance; an automated validation case is open and the value publishes pending its verdict.
Select a city to expand its ZIP intel reports beneath · 10 cities · 14 ZIP reports
Median prices moved up 0.0% year over year.
Homes spend a median of 134 days on market with 0.0 months of supply — a balanced-paced market.
0% of listings have cut prices · homes sell at 0.26% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · poverty 9.1% — a stable, low-distress profile.
Deterministic aggregate of 5 researched ZIP reports of 14 — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Cumberland County, Illinois — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 4.5%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 24
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| 61938 | Mattoon | $136,950 | $88 | +3.6% | 68 | — | — | — | 109 | $740 | researched Sep 24 |
| 62420 | Casey | $164,950 | $98 | +2.5% | 87 | 96.5% | 12% | 6.4 | 32 | $701 | researched Sep 24 |
| 62428 | Greenup | $185,000 | $118 | — | 61 | — | — | — | — | $706 | researched Sep 24 |
| 62440 | Lerna | $135,000 | $85 | -2.5% | 65 | 96.5% | 12% | 4.2 | 29 | $850 | researched Sep 24 |
| 62447 | Neoga | $185,000 | $112 | +2.4% | 68 | 97.5% | 12% | 4.2 | 14 | $941 | researched Sep 24 |
| 62462 | Sigel | $302,450 | $169 | — | 32 | — | — | — | 2 | $760 | researched Sep 24 |
| 62467 | Teutopolis | $329,500 | $173 | +3.2% | 45 | 98.5% | 12% | 4.2 | 53 | $811 | researched Sep 24 |
| 62468 | Toledo | $185,400 | $162 | — | 176 | — | — | — | 7 | $917 | researched Sep 24 |
| 62469 | Trilla | $58,400 | $33 | -2.5% | 120 | 94% | 15% | 6 | 12 | $943 | researched Sep 24 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
The county is a predominantly rural area with a population density of 30 residents per square mile, shaping a market characterized by larger lots and land-inclusive properties.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Illinois) — Property Tax Assessment (Fair Cash Value): Property is assessed at 33 1/3% of its fair cash value. The tax bill is calculated by multiplying the equalized assessed value (EAV) by the aggregate tax rate of the local taxing districts.
The county economy is primarily rural, with a focus on land-inclusive properties and a population density of approximately 30 residents per square mile.
Residents primarily drive alone to work, with an average commute time of 23.5 minutes.
- Golden Corral Buffet & Grill4.320.6 mi
- Richards Farm Restaurant4.512.7 mi
- A1 Liquors Hwy 334.522.7 mi
- DRIVE N THEATRE aka Fairview Drive In Theater4.818.9 mi
- World's Largest Rocking Chair4.811.8 mi
- World's Largest Pitchfork4.812.7 mi
- World's Largest Mailbox4.811.7 mi
- Fox Ridge State Park4.710.2 mi
- Lincoln Log Cabin State Historic Site4.77.9 mi
- Ashmore Estates4.720.1 mi
- MY Garage Museum & Retail Store4.718.4 mi
- Historic Cumberland County Covered Bridge4.72.1 mi
- Two Story Outhouse4.520.4 mi
- Fox Ridge State Park4.710.2 mi
- Mattoon Peterson Park4.617.1 mi
- Douglas-Hart Nature Center4.816.6 mi
- Sam Parr State Park4.717.4 mi
- Lytle Park4.718 mi
- Casey Community Club & Golf Course4.512.4 mi
- Defense Depot4.819.2 mi
- Rural King4.416.8 mi
- Marshalls4.316.8 mi
- Cross County Mall3.716.8 mi
- Rural King4.415.4 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
Data retrieved from Census Reporter and American Factbook.
Sellers must provide a written disclosure report to prospective buyers detailing material defects in the property as defined by 765 ILCS 77/35.
765 ILCS 77/1 et seq.
Property is assessed at 33 1/3% of its fair cash value. The tax bill is calculated by multiplying the equalized assessed value (EAV) by the aggregate tax rate of the local taxing districts. Exemptions, such as the homestead exemption, reduce the EAV before the tax rate is applied.
35 ILCS 200/9-145
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.