States › Maine › Cumberland County
County
Cumberland County
Maine · Portland-South Portland, ME metro area · 317,222 residents (2025 est.)
FHFA notes: The FHFA HPI is a broad measure of the movement of single-family house prices. The FHFA HPI is a weighted, repeat-sales index, meaning that it measures average price changes in repeat sales or refinancings on the same properties. FHFA describes its county indexes as developmental and subject to revision. The index does not give a dollar value for any home.
FHFA's index for Cumberland County, Maine, starts in 1976 and stood at 1475 in 2025, +1375.2% above its base of 100.
Over the ten years to 2025 the index rose +116.2% (+8.0% a year), close to Maine at +112.4% and well above the national +85.0%. The Portland-South Portland, ME area rose +115.8%. The latest one-year change is +4.1%.
The strongest decade was the 1980s (+139.3%); the weakest the 1990s (+21.4%).
After a 2007 peak the index fell −12.6% to 2012 and regained the peak in 2017.
Builders were authorised for 2,165 housing units in the county in the 12 months to August 2026 (+42.3% on the previous 12 months), 6.8 units per 1,000 residents; 39% were single-family houses. Since 1995 the county has authorised 41,313 units, most in 2022.
Same span, four levels
| Change in the FHFA index | Cumberland County | Portland-South Portland area | Maine | United States |
|---|---|---|---|---|
| 1 year (2024–2025) | +4.1% | +4.7% | +4.7% | +2.8% |
| 5 years (2020–2025) | +67.2% | +66.9% | +67.8% | +47.0% |
| 10 years (2015–2025) | +116.2% | +115.8% | +112.4% | +85.0% |
| 20 years (2005–2025) | +112.4% | +106.3% | +100.6% | +79.1% |
| Since 2000 | +243.0% | +234.9% | +216.3% | +158.3% |
| Since 1976 | +1375.2% | +1307.5% | +1115.5% | +880.8% |
| 10-year annualised | +8.0% | +8.0% | +7.8% | +6.3% |
| 20-year annualised | +3.8% | +3.7% | +3.5% | +3.0% |
All columns are FHFA annual all-transactions indexes over the same years.
Decade by decade
| Decade | Change | United States | |
|---|---|---|---|
| 1980s (1980–1990) | +139.3% | +68.2% | |
| 1990s (1990–2000) | +21.4% | +33.9% | |
| 2000s (2000–2010) | +50.8% | +29.7% | |
| 2010s (2010–2020) | +36.1% | +35.5% | |
| 2020s so far (2020–2025) | +67.2% | +47.0% |
FHFA reports each index with a value of 100 in its base period, the first year the area has enough transactions (1976 here). A decade's change is the index at the end of the decade divided by the index at the start, so it does not depend on the base year; the United States column covers the same years. Decades before 1976 are not shown.
Peak-to-low declines
| Peak | Low | Decline | Peak regained |
|---|---|---|---|
| 2007 | 2012 | −12.6% | 2017 |
| 1989 | 1994 | −9.5% | 1998 |
Building permits
Housing units authorised by building permits in Cumberland County, by month over the latest five years and by year since 1995.
Housing units authorised in Cumberland County by month, latest 12 monthssingle-family2+ unit buildings
Housing units authorised in Cumberland County by month, latest 60 monthssingle-family2+ unit buildings
Housing units authorised in Cumberland County by year, 1995–2025single-family2+ unit buildings
| Permits, 12 months to August 2026 | Cumberland County | Maine | United States |
|---|---|---|---|
| Housing units authorised | 2,165 | 6,830 | 1,418,086 |
| Units per 1,000 residents | 6.8 | 4.8 | 4.1 |
| Single-family share | 39% | 66% | 63% |
| Change on previous 12 months | +42.3% | +8.4% | −0.1% |
| Units authorised since 1995 | 41,313 | 166,323 | 43,082,761 |
Population is the Census Bureau's vintage 2025 estimate. Permits authorise construction; they are not completions.
ZIP codes in Cumberland County
Ranked by ten-year change in the FHFA ZIP index. Where a ZIP's index ends before 2025, its spans end in that year.
| ZIP | 1 year | 10 years | Since 2000 | Index through | Years |
|---|---|---|---|---|---|
| 04101 | +15.4% | +148.2% | +465.6% | 2025 | 40 |
| 04108 | +4.6% | +131.8% | +338.7% | 2025 | 33 |
| 04029 | +26.7% | +130.8% | — | 2025 | 25 |
| 04040 | +15.5% | +128.8% | +306.5% | 2025 | 27 |
| 04103 | +1.0% | +128.8% | +268.1% | 2025 | 46 |
| 04106 | +4.3% | +128.1% | +287.0% | 2025 | 47 |
| 04092 | +4.1% | +127.7% | +252.8% | 2025 | 46 |
| 04107 | +4.4% | +124.2% | +275.6% | 2025 | 46 |
| 04096 | +7.9% | +123.5% | +259.6% | 2025 | 41 |
| 04021 | +9.4% | +122.1% | +225.8% | 2025 | 41 |
| 04102 | +4.7% | +121.7% | +274.5% | 2025 | 46 |
| 04011 | +3.8% | +121.4% | +231.0% | 2025 | 41 |
| 04084 | +7.3% | +120.6% | +238.4% | 2025 | 35 |
| 04032 | +6.5% | +118.4% | +241.9% | 2025 | 37 |
| 04260 | +6.0% | +115.7% | +244.6% | 2025 | 30 |
| 04038 | +3.2% | +112.8% | +227.2% | 2025 | 40 |
| 04079 | +11.9% | +112.3% | +233.5% | 2025 | 26 |
| 04062 | +1.4% | +112.1% | +228.6% | 2025 | 40 |
| 04097 | +7.5% | +110.6% | +204.6% | 2025 | 40 |
| 04074 | +4.9% | +109.8% | +233.0% | 2025 | 47 |
| 04071 | +4.2% | +109.4% | +210.4% | 2025 | 34 |
| 04085 | — | +108.0% | — | 2025 | 23 |
| 04055 | +4.8% | +101.8% | — | 2025 | 24 |
| 04039 | +0.1% | +100.2% | +195.9% | 2025 | 41 |
| 04105 | −1.1% | +98.9% | +224.4% | 2025 | 43 |
| 04015 | +7.7% | +95.9% | +244.7% | 2025 | 28 |
| 04069 | +1.1% | +82.6% | +171.6% | 2023 | 26 |
| 04009 | −9.9% | +80.5% | — | 2025 | 25 |
| 04110 | +17.2% | +57.6% | +119.3% | 2021 | 35 |
Cities and permit-issuing places in Cumberland County
Housing units authorised in the 12 months to August 2026; places with at least 12 units in the year, or in the year before.
| Place | Units, 12 months | Per 1,000 residents | Single-family |
|---|---|---|---|
| Portland | 813 | 11.6 | 6% |
| Windham town | 243 | — | 29% |
| Scarborough town | 170 | — | 22% |
| Westbrook | 142 | 6.6 | 29% |
| Brunswick town | 95 | — | 46% |
| Freeport town | 66 | — | 36% |
| Gray town | 64 | — | 80% |
| Gorham town | 61 | — | 100% |
| Bridgton town | 58 | — | 97% |
| Falmouth town | 58 | — | 52% |
| Cumberland town | 47 | — | 96% |
| Cape Elizabeth town | 36 | — | 75% |
| Harpswell town | 36 | — | 100% |
| Standish town | 35 | — | 100% |
| Naples town | 34 | — | 100% |
| Casco town | 32 | — | 100% |
| Harrison town | 28 | — | 100% |
| South Portland | 22 | 0.8 | 64% |
| New Gloucester town | 21 | — | 81% |
| Sebago town | 21 | — | 100% |
| Pownal town | 18 | — | 100% |
| Raymond town | 16 | — | 100% |
| Baldwin town | 13 | — | 100% |
| North Yarmouth town | 12 | — | 100% |
| Frye Island town | 10 | — | 100% |
Questions and answers
How much have home values in Cumberland County risen over 10 years?
The FHFA index for Cumberland County rose +116.2% from 2015 to 2025, about +8.0% a year. Over 20 years: +112.4%; since 2000: +243.0%.
How does Cumberland County compare with Maine and the United States?
Over the ten years to 2025: Cumberland County +116.2%, Maine +112.4%, United States +85.0%, Portland-South Portland, ME +115.8%.
What happened to Cumberland County prices in 2008?
The index peaked in 2007 and fell −12.6% to 2012; it passed the peak again in 2017. The state index fell −14.4% over 2007–2012.
How many homes are being built in Cumberland County?
2,165 housing units were authorised by building permits in the 12 months to August 2026 (834 single-family, 1,198 in buildings of five or more units), or 6.8 per 1,000 residents against 4.8 for Maine.
Where does this data come from?
The index is FHFA's annual county house price index (all-transactions, developmental), last updated March 31, 2026, with values through 2025. Permits are from the Census Bureau Building Permits Survey through August 2026; population is the Census Bureau's vintage 2025 estimate.
Provenance
Index: Federal Housing Finance Agency, annual house price index for counties (all-transactions, developmental), last updated March 31, 2026, values 1976–2025; metro, state and national comparisons from FHFA's annual indexes in the same release. Permits: Census Bureau Building Permits Survey, county and place files, through August 2026. Population: Census Bureau vintage 2025 estimates. ZIP assignment: 2020 ZCTA-to-county relationship file. Public domain throughout. Corrections · FHFA HPI datasets · Building Permits Survey.