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CUMBERLAND, KY 40823

Real Estate Market Report  ·  Harlan County
Buyer's Market
January 2026  ·  Source: Realtor.com

Market Overview

Active Listings
8
⇧ 166.7% vs 3 last year
Pending
3
38% pending ratio
Median Price
$174,500
⇧ 155.7% vs $68,250 last year
Average Price
$223,860
⇧ 228% vs $68,250 last year
Days on Market
206
⇧ 31.2% vs 157 days last year

Market Context

Population: 3,846  ·  Density: 30.7/mi²  ·  Median household income: $34,491

Typical home value: $70,387  ·  Homeownership: 57.9%

Market Analysis

Data as of January 2026. Source: Realtor.com.

The CUMBERLAND, KY real estate market (40823) currently shows 8 active listings, with 3 pending sales. Homes are averaging 206 days on the market before going under contract.

Inventory has increased compared to last year, with 5 more homes available — giving buyers more choice.

Homes are taking longer to sell, averaging 206 days on market compared to 157 days last year.

The median listing price has risen 155.7% year-over-year, from $68,250 to $174,500.

Whether you are buying or selling in CUMBERLAND, KY, SELL123.com can help you save significantly on commission — typically 2% compared to traditional 5% broker fees. Call (240) SELL-123 for a free consultation.

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Market Trends

Inventory & Days on Market

Year over Year
  • Listings: 8 this year vs 3 last year
  • Days on market: 206 now vs 157 last year

Median & Average Pricing

Year over Year
  • Median: $174,500 (+155.7% YoY)
  • Average: $223,860 (+228% YoY)

12-Month Price Trend

Median & Average
  • Median and average listing prices over the past 12 months

12-Month Inventory Trend

Active & Pending
  • Active and pending listing counts over the past 12 months

Historical Trend Charts

Median Price
Average Price
Days on Market
Total Listings
Pending Listings
Active Listings
New Listings

Nearby Real Estate Markets

Median Price Legend:
< $250K
$250K–$500K
$500K–$1M
$1M–$2M
> $2M
25 Nearby Zip Code Markets within 19.7 miles — 84 listings ($18,614,491 combined market value)
Zip City / State Distance Listings Market Value Median $ Average $
40823Cumberland, KY 408230.0 mi8$1,790,880$174,500$223,860
40870Totz, KY 408709.0 mi1$150,000$150,000$150,000
40828Evarts, KY 4082810.6 mi8$548,448$49,900$68,556
24243Dryden, VA 2424312.7 mi3$712,350$237,450$237,450
41845Premium, KY 4184513.5 mi1$169,900$169,900$169,900
24277Pennington Gap, VA 2427714.5 mi16$2,743,424$154,250$171,464
24219Big Stone Gap, VA 2421915.3 mi32$8,925,088$220,000$278,909
41774Viper, KY 4177416.0 mi3$632,001$199,000$210,667
40806Baxter, KY 4080617.3 mi6$991,500$146,000$165,250
40810Bledsoe, KY 4081017.5 mi1$269,900$269,900$269,900
41746Happy, KY 4174618.9 mi2$658,000$329,000$329,000
41773Vicco, KY 4177319.3 mi2$788,000$394,000$394,000
41751Jeff, KY 4175119.7 mi1$235,000$235,000$235,000

Frequently Asked Questions

How many homes are for sale in CUMBERLAND, KY 40823?

As of January 2026, there are 8 active listings in CUMBERLAND, KY (zip code 40823), compared to 3 the prior year.

What is the median home price in CUMBERLAND, KY 40823?

The median listing price in CUMBERLAND, KY 40823 is $174,500 as of January 2026, a 155.7% increase from $68,250 the prior year.

How long do homes stay on the market in CUMBERLAND, KY?

Homes in CUMBERLAND, KY 40823 spend an average of 206 days on the market before going under contract, compared to 157 days the prior year.

Is it a seller's or buyer's market in CUMBERLAND, KY 40823?

Based on current inventory and days-on-market data as of January 2026, CUMBERLAND, KY 40823 is currently a Buyer's Market. Inventory has increased compared to last year, with 5 more homes available — giving buyers more choice. Homes are taking longer to sell, averaging 206 days on market compared to 157 days last year.

How much can I save on real estate commission in CUMBERLAND, KY?

With SELL123.com's maximum 3% commission, sellers in CUMBERLAND, KY 40823 save an estimated $3,490 compared to a typical 5% commission on the median listing price of $174,500. Our fee structure: 1% listing + 2% selling broker — no additional buyer or seller fees. Call (240) SELL-123 or email info@SELL123.com for a free consultation.