Cumberland County

Tennessee · Crossville, TN micropolitan area · 66,300 residents (2025 est.)

FHFA annual index 1992–2025Developmental county indexPermits through August 2026

Cumberland County (100 = first year)United States, rebased to the same startNBER recession

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.

Cumberland County, Tennessee (Crossville, TN area), has an FHFA house price index from 1992. Through 2025 it has risen +271.5%, from 100 to 372.

Over the ten years to 2025 the index rose +120.4% (+8.2% a year), above Tennessee at +113.5% and well above the national +85.0%. The Crossville, TN area rose +120.4%. The latest one-year change is +6.0%.

The strongest decade was the 2000s (+33.0%); the weakest the 2010s (+20.0%).

After a 2008 peak the index fell −13.5% to 2012 and regained the peak in 2018.

Builders were authorised for 114 housing units in the county in the 12 months to August 2026 (+12.9% on the previous 12 months), 1.7 units per 1,000 residents; 70% were single-family houses. Since 1995 the county has authorised 6,683 units, most in 2018.

+6.0%1 year, 2024–2025Tennessee +2.4%

+78.9%5 yearsUS +47.0%

+120.4%10 years+8.2% a year annualised

+185.7%since 2000US +158.3%

114units permitted, 12 months1.7 per 1,000 residents

Same span, four levels

Change in the FHFA index	Cumberland County	Crossville area	Tennessee	United States
1 year (2024–2025)	+6.0%	+6.0%	+2.4%	+2.8%
5 years (2020–2025)	+78.9%	+78.9%	+59.5%	+47.0%
10 years (2015–2025)	+120.4%	+120.4%	+113.5%	+85.0%
20 years (2005–2025)	+133.1%	+133.1%	+139.6%	+79.1%
Since 2000	+185.7%	+185.7%	+186.3%	+158.3%
Since 1992	+271.5%	+271.5%	+296.9%	+241.7%
10-year annualised	+8.2%	+8.2%	+7.9%	+6.3%
20-year annualised	+4.3%	+4.3%	+4.5%	+3.0%

All columns are FHFA annual all-transactions indexes over the same years.

Decade by decade

Decade	Change	United States
2000s (2000–2010)	+33.0%	+29.7%
2010s (2010–2020)	+20.0%	+35.5%
2020s so far (2020–2025)	+78.9%	+47.0%

FHFA reports each index with a value of 100 in its base period, the first year the area has enough transactions (1992 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 1992 are not shown.

Peak-to-low declines

Peak	Low	Decline	Peak regained
2008	2012	−13.5%	2018

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	Tennessee	United States
Housing units authorised	114	41,556	1,418,086
Units per 1,000 residents	1.7	5.7	4.1
Single-family share	70%	74%	63%
Change on previous 12 months	+12.9%	−4.5%	−0.1%
Units authorised since 1995	6,683	1,112,775	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
38555	+7.1%	+129.1%	+189.5%	2025	30
38571	+7.9%	+124.3%	+210.3%	2025	28
38572	+7.0%	+122.9%	+175.2%	2025	28
38558	+18.4%	+69.0%	+108.5%	2022	28

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
Crossville	114	8.7	70%

Questions and answers

How much have home values in Cumberland County risen over 10 years?

The FHFA index for Cumberland County rose +120.4% from 2015 to 2025, about +8.2% a year. Over 20 years: +133.1%; since 2000: +185.7%.

How does Cumberland County compare with Tennessee and the United States?

Over the ten years to 2025: Cumberland County +120.4%, Tennessee +113.5%, United States +85.0%, Crossville, TN +120.4%.

What happened to Cumberland County prices in 2008?

The index peaked in 2008 and fell −13.5% to 2012; it passed the peak again in 2018. The state index fell −9.2% over 2008–2012.

How many homes are being built in Cumberland County?

114 housing units were authorised by building permits in the 12 months to August 2026 (80 single-family, 0 in buildings of five or more units), or 1.7 per 1,000 residents against 5.7 for Tennessee.

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 1992–2025; 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.