In short
In July 2026, the average price of a home in Cumberland was £170,966, +3.3% over twelve months (23% below the North West average). At that price, a home mover pays £919 in Stamp Duty Land Tax, plus £100 of HM Land Registry fee.
Property professionals in Cumberland
One firm per trade, selected by Payotte on public data (3 of 5 trades filled in Cumberland). Companies, never individuals, with a regulator or register you can check with the official body.
| Trade | Firm | Google rating | Reviews | Score /100 | Status | Listing |
|---|---|---|---|---|---|---|
| Estate agent | Hayward Tod Associates | 4.5 | 51 | 60 | Partial | View |
| Mortgage adviser | Castle View Finance | 4.9 | 95 | 61 | Partial | View |
| Conveyancer | Wragg Mark-Bell Solicitors | 4.4 | 127 | 76 | Selected | View |
| Surveyor | Vacant | — | — | — | — | — |
| Valuer | Vacant | — | — | — | — | — |
One firm per trade and per area, chosen on public data and scored out of 100 points — Google reviews (35), age of the company (30), checkable regulator or register (15), local anchoring (15), bonus (5). The ranking is never paid for. No firm can buy its place or its recommendation. How Payotte ranks firms
Calculate for Cumberland
The questions, answered
What is the average house price in Cumberland?
The average price of a home in Cumberland was £170,966 in July 2026, +3.3% over twelve months (UK House Price Index).
How much does a flat or a house cost in Cumberland?
In July 2026, the average price in Cumberland was £284,679 for a detached house, £177,511 for a semi-detached house, £141,273 for a terraced house, £93,707 for a flat (UK House Price Index).
What do first-time buyers pay in Cumberland?
First-time buyers paid £151,504 on average in Cumberland in July 2026, against £170,966 for all buyers (UK House Price Index).
Have house prices gone up in Cumberland?
The average price in Cumberland went from £121,585 in July 2016 to £170,966 in July 2026, a change of +40.6%; +3.3% over the last twelve months (UK House Price Index).
How much Stamp Duty Land Tax on an average-priced home in Cumberland?
On £170,966, Stamp Duty Land Tax (SDLT) comes to £919 for a home mover, £0 for a first-time buyer and £9,468 for an additional property, at the rates in force in England.
How much tax when you sell a home in Cumberland?
None on your main home if it was your only home, lived in for all the time you owned it, not let out and not used exclusively for business (Private Residence Relief). A second home or a buy-to-let pays Capital Gains Tax, at the same rates in all four nations: 24% for a higher or additional rate taxpayer and 18% for a basic rate taxpayer on the part of the gain within the basic Income Tax band, on the gain above the £3,000 tax-free allowance (2026 to 2027). Bought at the average price in Cumberland in July 2016 (£121,585) and sold at the July 2026 average (£170,966), the gain of £49,381 costs a higher rate taxpayer £11,131, before deducting the costs of buying, selling and improving. The tax is reported and paid within 60 days of completion (HMRC).
How many homes sell in Cumberland?
4,206 sales in Cumberland were registered from May 2025 to April 2026, the latest twelve months with complete volumes (UK House Price Index).
Is Cumberland expensive?
Cumberland ranks 126th of the 135 areas Payotte covers for the average price in July 2026, from £1,232,640 in Kensington and Chelsea to £130,689 in City of Aberdeen.
Prices by property type, July 2026
| Type | Average price | North West |
|---|---|---|
| Detached | £284,679 | £391,389 |
| Semi-detached | £177,511 | £243,630 |
| Terraced | £141,273 | £178,738 |
| Flat or maisonette | £93,707 | £140,666 |
| All types | £170,966 | £221,445 |
| First-time buyers | £151,504 | £192,206 |
The UK HPI is a mix-adjusted average (a hedonic model), not the price of the homes sold in the month. Northern Ireland figures are quarterly.
The trend, July of each year
| Year | Average price | Change on the year before |
|---|---|---|
| 2016 | £121,585 | — |
| 2017 | £125,368 | +3.1% |
| 2018 | £128,411 | +2.4% |
| 2019 | £126,708 | -1.3% |
| 2020 | £129,054 | +1.9% |
| 2021 | £142,375 | +10.3% |
| 2022 | £155,279 | +9.1% |
| 2023 | £153,868 | -0.9% |
| 2024 | £158,988 | +3.3% |
| 2025 | £165,536 | +4.1% |
| 2026 | £170,966 | +3.3% |
Sources
- Prices and sales: UK House Price Index, file UK-HPI-full-file-2026-07.csv. Contains HM Land Registry data © Crown copyright and database right 2020. This data is licensed under the Open Government Licence v3.0.
- Purchase tax: rates and sources of the calculator (HMRC).
- Tax when you sell: Capital Gains Tax rates, Tax when you sell your home and Report and pay your Capital Gains Tax (GOV.UK, HMRC).