Housing Authority of the City of Cumberland
635 E First St, Cumberland, MD, 21502 · ~315 units under management
Fair Market Rent by unit size — Cumberland, MD (2026)
Figures shown are Fair Market Rent for the county this agency primarily serves — the agency's actual payment standard (typically 90–110% of FMR) may differ. Confirm directly with the agency. Full county data: Allegany County
Who this agency serves
Housing Authority of the City of Cumberland served 307 households across 315 units (97% occupied) as of HUD's 2025 Picture of Subsidized Households data. The typical assisted household here has an average of 1.8 people, an average annual income of $15,471, and pays an average of $341 per month toward rent.
- Households served
- 307 of 315 units
- Avg. household income
- $15,471
- Avg. rent paid by household
- $341
- Avg. household size
- 1.8 people
- Households with children
- 34%
- Head of household 62+
- 34%
- Head of household with a disability
- 36%
- Avg. wait to move in
- 8 months
Unit mix: 56% 1-bedroom, 24% 2-bedroom, 20% 3-bedroom.
Source: HUD's Picture of Subsidized Households, 2025— figures reflect this agency's most recent reporting period across all HUD programs it administers, not just Housing Choice Vouchers.
Public housing inspection scores
HUD conducts physical inspections of public housing developments under the REAC (Real Estate Assessment Center) program. Scores run 0–100: 90+ is High Performer, 60–89 is Standard, below 60 is Troubled. This agency administers 5 developments with an average score of 92 (High Performer).
| Development | City | Score | Protocol | Inspected |
|---|---|---|---|---|
| Housing Authority of Allegany County | Westernport | 100 High Performer | NSPIRE | Aug 2025 |
| QUEEN CITY TOWERS | Cumberland | 97 High Performer | NSPIRE | Jul 2025 |
| JANE FRAZIER VILLAGE | Cumberland | 97 High Performer | NSPIRE | Jul 2025 |
| BANNEKER GARDENS | Cumberland | 84 Standard | NSPIRE | Jul 2025 |
| Frederick Street Unit | Cumberland | 80 Standard | NSPIRE | Jul 2025 |
Source: HUD REAC Physical Inspection Scores — data reflects the most recent inspection for each development. See Understanding REAC and NSPIRE inspection scores for methodology details.
Am I eligible?
To qualify for a Housing Choice Voucher through Housing Authority of the City of Cumberland, your household's gross annual income generally must be at or below the limits below (50% of area median income, as set by HUD). Most agencies are required to prioritize applicants at or below 30% AMI (the Extremely Low Income limit) for at least 75% of new vouchers.
| Household size | Max gross annual income |
|---|---|
| 1 person | $33,250 |
| 2 people | $38,000 |
| 3 people | $42,750 |
| 4 people | $47,500 |
| 5 people | $51,300 |
| 6 people | $55,100 |
| 7 people | $58,900 |
| 8 people | $62,700 |
Source: HUD Income Limits, 2026. Meeting the income limit does not guarantee a voucher — waiting lists, local preferences, and funding levels vary. Contact Housing Authority of the City of Cumberland directly for current availability. Learn more about eligibility →
Income-restricted housing in Cumberland, MD
These properties were built or rehabilitated using the federal Low-Income Housing Tax Credit (LIHTC) program and must rent a portion of units below market rate. Many, but not all, accept Section 8 Housing Choice Vouchers — contact the property directly to confirm current availability and voucher acceptance.
ALLEGANY JUNCTIONS
100 EAST REYNOLDS STREET, CUMBERLAND, MD, 2150240 income-restricted units31 2BR, 5 3BRBuilt 20224% LIHTCCompliance through ~2052MAGNOLIA GREENE
13000 WINCHESTER PIKE, LAVALE, MD, 2150236 income-restricted units of 40 total31 2BR, 5 3BRBuilt 20214% LIHTCCompliance through ~2051- 77 income-restricted units12 1BR, 31 2BR, 30 3BR, 4 4BR+Built 20219% LIHTCCompliance through ~2051
OLD TOWNE MANOR
1510A EAST OLD TOWNE ROAD, CUMBERLAND, MD, 21502123 income-restricted units of 138 total46 1BR, 44 2BR, 48 3BRBuilt 20159% LIHTCCompliance through ~2045CUMBERLAND ARMS
10 N LIBERTY STREET, CUMBERLAND, MD, 2150269 income-restricted units59 1BR, 10 2BRBuilt 20139% LIHTCCompliance through ~2043KLOT'S MILL LOFTS
917 GAY ST, CUMBERLAND, MD, 2150250 income-restricted units12 1BR, 25 2BR, 13 3BRBuilt 2011Tax-exempt bondCompliance through ~2041BRADDOCK'S GREENE
100 BRADDOCK ST, FROSTBURG, MD, 2153250 income-restricted units20 2BR, 30 3BRBuilt 2010Tax-exempt bondCompliance through ~2040WILLIAM BOOTH TOWER
220 SOMERVILLE AVE, CUMBERLAND, MD, 21502114 income-restricted units51 studio, 63 1BRBuilt 20104% LIHTCCompliance through ~2040GATEWAY TOWN HOMES
775 E FOURTH ST, CUMBERLAND, MD, 2150230 income-restricted unitsBuilt 20084% LIHTCCompliance through ~2038THE CASCADES
701 E FOURTH ST, CUMBERLAND, MD, 2150271 income-restricted units53 1BR, 18 2BRBuilt 20054% LIHTCCompliance through ~2035
Source: HUD LIHTC Public-Use Database. Properties shown were placed in service within the last 35 years and may still be under compliance obligations. Verify availability, income limits, and voucher acceptance directly with each property. More on finding affordable housing →
Applying with this agency
Application processes and waiting-list status vary by agency — contact Housing Authority of the City of Cumberland directly using the info above, or read our general guide to how to apply and how waiting lists work.
Evaluating this market
Landlords and investors: see becoming a Section 8 landlord and how to read this market's numbers.