Cumberland: the market in figures
At £172,654, Cumberland is 21.7% below the average for the North West (£220,393) and 36.8% below the UK average (£273,037). In rank terms it is 21st of the 22 North West areas covered and 126th of 135 nationally. The latest annual rise is 4.1%, ahead of the 2.2% recorded for the region. Its history since 2016 reads as a steady build with one stumble. The starting point is £123,363. Gains of 3.7% for 2017 and 3.3% for 2018 were interrupted by a fall of 2% in 2019, after which 2020 added 0.6%. The largest moves came next, 9.1% for 2021 and 10% for 2022, with a small fall of 1% in 2023. The last three readings are 3.4%, 3.4% and 4.1%. In total the average has risen 40%, or £49,291, and 2026 is the highest point in the series.
Types of home sit as follows. A buyer looking at flats meets an average of £94,927, while terraced homes cost £143,160, semi-detached £179,276 and detached £286,152. Between flats and detached homes the difference is £191,225, equivalent to 201.4%. At £152,989, the first-time buyer average is 11.4% short of the all-buyer figure. Before registry costs of £100, SDLT on a home bought at the area average comes to £953 for someone moving house (0.6% of the price), nothing if the buyer is new to the ladder, and £9,586 when the home is an additional property.
Cumberland's listed neighbours are spread over long distances. Westmorland and Furness has an average of £231,161, 44 km away, which is 33.9% above Cumberland, and it rose 5.1% in the latest year. Lancaster has an average of £203,781, 79 km away, 18% above. In the North East, Northumberland (104 km) averages £213,113, 23.4% above. County Durham (94 km) averages £140,788, 18.5% below, and Gateshead (107 km) £156,036, 9.6% below. Cumberland's sales count for the period June 2025 to May 2026 is 4,276.
Payotte, from the UK HPI and the calculator.
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
Frequently asked questions
What is the average house price in Cumberland?
The average price of a home in Cumberland was £172,654 in August 2026, +4.1% over twelve months (UK House Price Index).
Have house prices gone up in Cumberland?
The average price in Cumberland went from £123,363 in August 2016 to £172,654 in August 2026, a change of +40%; +4.1% over the last twelve months (UK House Price Index).
How much Stamp Duty Land Tax on an average-priced home in Cumberland?
On £172,654, Stamp Duty Land Tax (SDLT) comes to £953 for a home mover, £0 for a first-time buyer and £9,586 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 above the £3,000 allowance (2026 to 2027; rates in the calculator above). Bought at the average price in Cumberland in August 2016 (£123,363) and sold at the August 2026 average (£172,654), the gain of £49,291 costs a higher rate taxpayer £11,110, before deducting the costs of buying, selling and improving. The tax is reported and paid within 60 days of completion (HMRC).
Is Cumberland expensive?
Cumberland ranks 126th of the 135 areas Payotte covers for the average price in August 2026, from £1,204,072 in Kensington and Chelsea to £133,782 in City of Aberdeen.
Prices by property type, August 2026
| Type | Average price | North West |
|---|---|---|
| Detached | £286,152 | £388,124 |
| Semi-detached | £179,276 | £242,592 |
| Terraced | £143,160 | £178,230 |
| Flat or maisonette | £94,927 | £140,000 |
| All types | £172,654 | £220,393 |
| First-time buyers | £152,989 | £191,727 |
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, August of each year
| Year | Average price | Change on the year before |
|---|---|---|
| 2016 | £123,363 | — |
| 2017 | £127,989 | +3.7% |
| 2018 | £132,254 | +3.3% |
| 2019 | £129,546 | -2% |
| 2020 | £130,371 | +0.6% |
| 2021 | £142,224 | +9.1% |
| 2022 | £156,512 | +10% |
| 2023 | £155,001 | -1% |
| 2024 | £160,346 | +3.4% |
| 2025 | £165,792 | +3.4% |
| 2026 | £172,654 | +4.1% |
Sources
- Prices and sales: UK House Price Index, file UK-HPI-full-file-2026-08.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).