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Area data

Cumberland, IN — ZIP 46229

Population: 28,457 (Census ACS)

The median home value in ZIP 46229 (Cumberland, IN) is $219,365 — down 2.5% over the past year. Homes sell for a median $179,500 after a median 46 days on market. Typical rent runs $1,795/month. 8 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively High, with lightning, strongwind, tornado the top-rated hazards. Cost of living is 9.5% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$219,365

Median home value

-2.5%

1-year change

46

Median days on market

Relatively High

Hazard risk (county)

Home values & appreciation

Median home value
$219,365
1-year appreciation
-2.5%
3-year appreciation
+3.0%
5-year appreciation
+22.9%
10-year appreciation
+108.6%
All-time peak (2025-06)
$225,192
House Price Index (state)
367.2 (+2.9% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$179,500
Median list price
$134,900
Median price per sqft
$116
1-year sale-price change
+26.4%
Median days on market
46 days
Homes sold (recent period)
6
For-sale inventory
103
Sale-to-list ratio
98.0%
Active listings
4
1-year forecast
+0.9%
Days to pending
30 days
New listings (monthly)
42

Source: recent area sales and market data (ZIP-level)

Rents

Typical rent
$1,795/mo
1-year rent change
+3.3%
Studio fair-market rent
$990/mo
1BR fair-market rent
$1,120/mo
2BR fair-market rent
$1,300/mo
3BR fair-market rent
$1,680/mo
4BR fair-market rent
$2,060/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Below Average)
90.5 (100 = US avg)
Electricity rate (state-level)
16.2¢/kWh
Natural gas rate (state-level)
$11.50/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
8
Elementary schools
4
Middle schools
1
High schools
2
Schools include
Warren Early Childhood Center, Brookview Elementary School, Eastridge Elementary School, Lakeside Elementary School, Stonybrook Intermediate & Middle

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively High
Top hazards (county)
lightning, strongWind, tornado, coldWave, heatWave
Notable hazard ratings (county)
coldWave: Relatively High · drought: Relatively Low · earthquake: Relatively Moderate · hail: Relatively Moderate · heatWave: Relatively High · iceStorm: Relatively High
FEMA flood zone
AE
Flood risk level
High
Wildfire risk to homes (county)
Higher than 7% of US counties
Buildings in wildfire direct-exposure zone
10.7%
Radon potential (county)
High radon potential — EPA Zone 1 of 3
EPA Superfund (NPL) sites within 5 mi
None
Nearest Superfund site
Keystone Corridor Ground Water Contamination (8.3 mi)
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Annual precipitation
48.0 in
USDA plant hardiness zone
6a (extreme annual low -10 to -5°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Air quality

Air quality rating
Moderate
Median AQI (annual)
60
Days with Good air quality
84
Days with Moderate air quality
260
Days with Unhealthy air quality
3
Highest AQI recorded (year)
259

Source: EPA air quality data (nearest monitoring station, annual)

Walkability & transit

Walkability index
14.7 / 20
Transit service frequency
815
Jobs reachable by car (30 min)
80,940
Jobs reachable by transit (45 min)
69,384

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

Airports within 30 mi
79
Nearest airport
Post-Air Airport (3 mi)
Nearest major airport
Indianapolis International Airport (IND) (18 mi)
Hospitals nearby (~15 mi)
21
Hospitals include
ESKENAZI HEALTH, INDIANAPOLIS VA MEDICAL CENTER, INDIANA UNIVERSITY HEALTH
Avg hospital rating (CMS)
3.3 / 5
Best hospital rating nearby (CMS)
5.0 / 5
Solar radiation rating
Fair (4.0 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
-4,240 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,978
Housing built before 1970
34.1%
Housing built 2000 or later
21.5%
Median annual property tax
$1,621
Mean commute to work
21 min
Households with broadband internet
68.7%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
546,847
Average weekly wage
$1,393
Top industries (by employment)
Health Care, Administrative Services, Accommodation & Food
Annual residential building permits (county)
1,156

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 46229State medianUS median
Median home value$219,365$237,170$289,727
Median sale price$179,500$238,000$325,000
Median days on market46 days38 days51 days
Typical rent$1,795/mo$1,331/mo$1,808/mo
Median annual property tax$1,621$1,179$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 46229?
$219,365.
What is the median sale price in ZIP 46229?
$179,500.
How long do homes take to sell in ZIP 46229?
Median days on market: 46 days.
What is typical rent in ZIP 46229?
Typical rent: $1,795/month.
What is the natural-hazard risk in ZIP 46229?
Overall risk: Relatively High (FEMA NRI, county-level). Top hazards: lightning, strongWind, tornado, coldWave, heatWave.
Is ZIP 46229 in a flood zone?
High (FEMA NFIP). FEMA flood zone AE.
What is the wildfire risk in ZIP 46229?
Risk to homes is higher than 7% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 46229?
High radon potential — EPA Zone 1 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 46229?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve ZIP 46229?
8 schools (4 elementary, 1 middle, 2 high) (NCES, 2022-23).
Is ZIP 46229 walkable?
Walkability index: 14.7/20 (EPA Smart Location Database).
What is the air quality in ZIP 46229?
Moderate. Median AQI: 60. (EPA AQI).
What is the cost of living in ZIP 46229?
Regional Price Parity: 90.5 (100 = US average) (Below Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents