Appreciation for MSAs:.

Before we disect the appreciation within the MSA for this period, lets consider how Cumberland, Maryland, West Virginia did compared to the state as a whole.

The Cumberland, Maryland, West Virginia MSA property value change was + 9.67% (+ 2.42% yearly).

All of the property in MD averaged + 8.69% change in value (+ 2.17% yearly).

Cumberland-MD-WV

YearQuarterPrice IndexQuarter Increase or DecreaseAnnualized
1995 2 94.23 - 5.77% - 23.08%
1995 3 98.65 + 4.69% + 18.76%
1995 4 93.99 - 4.72% - 18.90%
1996 1 96.5 + 2.67% + 10.68%
1996 2 99.4 + 3.01% + 12.02%
1996 3 95.83 - 3.59% - 14.37%
1996 4 95.56 - 0.28% - 1.13%
1997 1 99.89 + 4.53% + 18.12%
1997 2 99.64 - 0.25% - 1.00%
1997 3 99.51 - 0.13% - 0.52%
1997 4 105.9 + 6.42% + 25.69%
1998 1 103.6 - 2.17% - 8.69%
1998 2 103.1 - 0.48% - 1.93%
1998 3 104.37 + 1.23% + 4.93%
1998 4 109.67 + 5.08% + 20.31%


Some of the ways peope use our appreciation data for Cumberland, Maryland, West Virginia include real estate investment .

Lets look at Cumberland, Maryland, a city located in Cumberland, Maryland, West Virginia MSA.

Appreciation is an important factor in fixing/rehabbing and flipping properties. If appreciation rates are good this area may be prime. If you need information on a Hard Money Rehab Loan in Maryland check out Spec-Loan.com

If you were going to do a Cumberland, Maryland Refinance, or Cumberland, Maryland Reverse Mortgages, you could estimate your home value.

If you knew your Cumberland, Maryland home was worth $93,000.00 in 1995, you could multiply by + 9.67%, add the gain and see the home should be worth $101,993.10 in 1998. Home value is an important part of every mortgage transaction.


Average YEARLY Real Estate Appreciation for Cumberland-MD-WV from 1995 to 1998:
+ 2.42%

Appreciation Comparisons

The worst perfoming MSAs ever for a 4 year period, were Lafayette-LA, Grand-Junction-CO, Lafayette-LA, Casper-WY, and Casper-WY .

  1. Lafayette-LA lost - 34.71% from 1985 to 1988
  2. Grand-Junction-CO lost - 34.70% from 1982 thru 1985
  3. Lafayette-LA lost - 34.44% from 1984 thru 1987
  4. Casper-WY lost - 34.10% from 1983 thru 1986
  5. Casper-WY lost - 32.07% from 1984 thru 1987

The top 5 performing MSAs from 1995 to 1998 were San-Jose-Sunnyvale-Santa-Clara-CA, Bay-City-MI, Jackson-MI, Battle-Creek-MI, and Ogden-Clearfield-UT .

  1. San-Jose-Sunnyvale-Santa-Clara-CA increased + 38.22% from 1995 to the end of 1998
  2. Bay-City-MI increased + 32.31% from 1995 to the end of 1998
  3. Jackson-MI increased + 31.57% from 1995 to the end of 1998
  4. Battle-Creek-MI increased + 30.77% from 1995 to the end of 1998
  5. Ogden-Clearfield-UT increased + 30.59% from 1995 to the end of 1998

Zip Code in MSA: 21502 - CUMBERLAND, MD

MSA Pop: 100815
Zip Pop: 44053
Avg Value: 72100
County: ALLEGANY
Elev: 641
Region: South
Lat: 39.596959
Long: -78.834511