Average Rent, House Prices and Buy-to-Let Yield in Cumberland (July 2026)
The average private rent in Cumberland is £675 a month (ONS, July 2026) and the average house price £172,036 (HM Land Registry, June 2026): a gross yield of 4.7%, ranked 117 of 316 local authorities.
Rent in Cumberland
The average private rent across all property types is £675 a month (+6.9% on a year earlier). The regional median in the North West is £816.
| Property | Per month | Per year |
|---|---|---|
| 1 bedroom | £503 | £6,036 a year |
| 2 bedrooms | £637 | £7,644 a year |
| 3 bedrooms | £778 | £9,336 a year |
| 4+ bedrooms | £1,084 | £13,008 a year |
The bedroom ladder in Cumberland: one to two bedrooms adds 26.6% to the rent, two to three adds 22.1% and three to four-plus adds 39.3% (England-and-Wales medians 27.3%, 20.9% and 40.9%). The biggest step here is three to four or more bedrooms — the size where an extra room earns most, and the first place to look when comparing a conversion against its cost.
House prices in Cumberland
The average price paid is £172,036 (+6.9% on a year earlier).
| Type | Average price |
|---|---|
| Detached | £287,399 |
| Semi-detached | £178,853 |
| Terraced | £141,543 |
| Flat | £94,414 |
Rents and prices moved together in Cumberland — +6.9% and +6.9% over the year — so the gross yield on offer is roughly where it was twelve months ago. Cumberland ranks 37th of 316 local authorities for rent growth and 35th of 316 for price growth; the England-and-Wales medians are +3.8% and +2.8%.
Gross yield by property type in Cumberland
| Type | Rent / month | Average price | Gross yield | E&W median |
|---|---|---|---|---|
| Flat | £637 | £94,414 | 8.1% | 7.5% |
| Terraced house | £778 | £141,543 | 6.6% | 5.7% |
| Semi-detached | £778 | £178,853 | 5.2% | 4.6% |
| Detached | £1,084 | £287,399 | 4.5% | 4.1% |
On these pairings the strongest gross yield in Cumberland is on flats at 8.1%, against an England-and-Wales median of 7.5% for that type; the weakest is detached. Gross figures ignore service charges, which usually make flats the thinnest net yield of the four.
What that means for a landlord
- Gross yield 4.7% (rent × 12 ÷ price) — rank 117 of 316 local authorities; the regional median is 4.9%. Net yield is lower once mortgage interest, insurance, maintenance and voids come off.
- Tenant affordability: referencing at 30× means a household income of about £20,250 a year for the average rent.
- EPC before 2030: 51% of EPCs lodged in Cumberland over the last year were below band C — the level a rented home needs by 1 October 2030 — with 41% at D (EPC ratings in Cumberland).
- Council tax: Band D in Cumberland is £2,511 for 2026/27, and the council charges a 100% second-home premium (council tax in Cumberland).
Lender maths on the averages. At a 5.5% stress rate and 145% rent cover — the common buy-to-let convention — the average rent of £675 supports a loan of about £101,567, which is 59% of the average price. That falls short of 75% loan-to-value, so a buyer of an average home here needs a larger deposit or a stronger rent to pass the stress test. Both numbers are conventions rather than rules — change them in the stress test.
Run the numbers for Cumberland
- Yield calculator with £172,036 and £675 already filled in
- Mortgage stress test at 75% LTV on the average price
- Rent affordability: the income a tenant needs to reference at £675 a month
- Rental income tax on £8,100 a year of rent
Nearest neighbours by yield, in the North West
| Area | Rent | Price | Yield | Rent 12m |
|---|---|---|---|---|
| Bury | £969 | £238,446 | 4.9% | +1.6% |
| Rochdale | £844 | £210,083 | 4.8% | +7.5% |
| Wirral | £852 | £215,575 | 4.7% | +6.8% |
| Halton | £745 | £193,134 | 4.6% | +7.1% |
| Wyre | £737 | £193,024 | 4.6% | +6.6% |
| Wigan | £745 | £195,557 | 4.6% | +6.9% |
All 316 areas ranked · council tax in Cumberland · EPC ratings in Cumberland.
Rents: ONS, Price Index of Private Rents (average monthly private rent by local authority, July 2026). Prices: HM Land Registry UK House Price Index (average price, June 2026). Gross yield = rent × 12 ÷ price, our calculation. Contains public sector information licensed under the Open Government Licence v3.0; contains HM Land Registry data © Crown copyright and database right 2026. Rankings and medians are ours, across 316 local authorities.
Asked about this area
£675 a month across all property types (ONS Price Index of Private Rents, July 2026), up 6.9% on a year earlier.
£172,036 (HM Land Registry UK House Price Index, June 2026).
About 4.7% gross on the averages — £675 rent against a £172,036 price — ranking 117 of 316 local authorities. Net yield depends on your mortgage and costs.
Flats on our pairing: 8.1% gross (£637 rent on a £94,414 price), against an England-and-Wales median of 7.5% for that type.
Rents +6.9% against prices +6.9% over the year — moving together, so yield is broadly stable.
Referencing at 30 times the monthly rent points to roughly £20,250 a year of household income for the average home; the affordability calculator shows 24× and 36× too.