Neighborhood
White Oaks
Cumberland, Maryland US
White Oaks in Cumberland, Maryland offers an income-oriented profile with a gross yield of 8.7 and prices in line with Cumberland, while sitting 53% below Maryland. Prices were flat, up 0.4 over the past year, suggesting limited momentum. The neighborhood has a Red Flag score of 50, walkability of 67, and education in the 60th percentile, combining a moderate access profile with a midrange risk reading.
AI Summary•Updated May 2026
Area
2.13 mi²
ZIP Code
21502
County
Allegany County
State
Maryland
Redfin — median sale & volumeZillow ZORI — asking rentFEMA National Risk Index v1.20OpenStreetMap — POIFBI UCR — state crimeEPA — radon zonesWashU ACAG — satellite PM2.5EPA FRS / BTS — hazard screeningUS Census ACS / TIGER 2024
Verified Price · Median Sale
$156,953
YoY+0.4%
Gross Rental Yield
8.7%
Listed rent · ZORI annualized
Red Flag Index
Moderate
50 / 100
Walkability Score
67
OpenStreetMap POI density · national percentile
Education Score
60 / 100
Pre-pandemic SEDA (2018/19) · district proxy
AI Score
65
DistrictScore attractiveness · national model
White Oaks Property Prices & Rental Yield
Verified Redfin sale data and Zillow ZORI asking rent for White Oaks, Cumberland.
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Sign in to view — freeMarket Economics Snapshot
May 2026| Metric | Value | YoY |
|---|---|---|
| Median Sale Price | $156,953 | +0.4% |
| Price / Sq Ft (Verified) | $106/sqft | +8.6% |
| Asking Rent (Median) | $1,131/mo | +6.5% |
| Gross Rental Yield | 8.7% | — |
| Liquidity Score | 35 / 100 | Moderate |
| Homes Sold (Period) | 117 | -18.2% |
Is White Oaks Safe? Natural-Hazard Risk
FEMA National Risk Index composite across eight hazards, plus inherited Maryland crime context.
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Sign in to view — free What Stands Out AI Insight
Above-average gross rental yield at 8.7%
Active transaction volume — 117 homes sold last period
Strong Wind risk is Very High (80/100)
Hail risk is Very High (80/100)
Insights are generated from White Oaks's live DistrictScore metrics.
White Oaks Environment & Safety
Satellite PM2.5 air-quality history, FBI UCR crime trend (Maryland-level, the finest official aggregation), EPA radon potential and point-source hazard screening.
Air Quality — PM2.5
2015–20246.0 µg/m³ Meets EPA, above WHO guideline-23.1% since 2015
EPA 9WHO 5
20152024
Annual mean fine-particle (PM2.5) concentration at the White Oaks centroid, satellite-derived (ACAG). References: WHO guideline 5 µg/m³ · EPA annual standard 9 µg/m³. Latest year ranks worse than 51% of U.S. neighborhoods.
Maryland Crime Trend
FBI UCR20132024
All crimes / 1k
Violent / 1k
| Year | Crimes / 1k | Violent / 1k | YoY |
|---|---|---|---|
| 2024 | 24.7 | 4.2 | -3.8% |
| 2023 | 25.9 | 4.4 | +22.0% |
| 2022 | 21.4 | 4.3 | +9.1% |
| 2021 | 19.6 | 4.3 | -0.7% |
| 2020 | 20.1 | 4.0 | -16.4% |
| 2019 | 24.1 | 4.5 | — |
Reported at the state level — the finest official US crime aggregation; White Oaks inherits the Maryland figures.
Radon Potential
EPAZone 2
Zone 2 — Moderate potential · White Oaks
EPA radon zones estimate indoor radon potential county-wide (Zone 1 highest, Zone 3 lowest). Testing is recommended in all zones.
Environmental Hazards
EPA / BTSSuperfund (NPL)1.4 kmHigh
Industrial odor3 nearbyVery High
Point-source screening near White Oaks: EPA Superfund National Priorities List & Facility Registry (2026), BTS aviation noise (2020, 24-hour average level). Superfund shows distance to the nearest listed site; odor shows detected sources within the screening radius. Only detected sources are listed; the bar shows severity vs. all U.S. neighborhoods.
Walkability & Amenities in White Oaks
Amenity density and pedestrian access from OpenStreetMap points of interest.
Walkability & Amenities
OpenStreetMap POI67
Somewhat Walkable
Walkability Score
6
Grocery
15
Dining
4
Schools
0
Universities
2
Hospitals
5
Pharmacies
8
Parks
2
Rail Transit
0
Coworking
POI counts are amenities within White Oaks's boundary plus a 400 m walk buffer. Rail transit excludes bus stops.
White Oaks vs Cumberland vs Maryland
How White Oaks benchmarks against its city and state medians.
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Compare White Oaks against Cumberland and Maryland medians — free with a DistrictScore account.
Sign in to view — freeBuying Property in the US as a Foreigner
Federal & Maryland tax facts for non-resident buyers, plus the latest local market news.
Buying as a Foreigner
US Tax & OwnershipApplies to everyone7
Capital Gains (Federal)
Long-term capital gains taxed federally at 0/15/20%, plus a 3.8% Net Investment Income Tax on higher incomes (2026).
Property Tax
Property tax: ~0.90% average effective rate (statewide average; set and collected locally).
State Income Tax
State income tax up to 5.75%; rental income is taxed at these rates.
State Capital Gains
Capital gains are taxed as ordinary income at state rates.
Transfer Tax
Real estate transfer tax: state transfer + local recordation tax.
Assessment Cap
No Proposition 13-style assessment cap; property is reassessed at market value.
Mansion Tax / Rent Control
No statewide mansion tax or statewide rent control.
US citizens & tax residents7
Primary-Home Exclusion
Selling your main home: exclude up to $250k of gain (single) / $500k (married) if you owned and lived there 2 of the last 5 years.
1031 Like-Kind Exchange
A 1031 like-kind exchange defers capital gains tax on investment property; 45 days to identify, 180 to close. Real estate only.
Depreciation Recapture
Residential rentals depreciate over 27.5 years; on sale, recaptured depreciation is taxed up to 25% (Section 1250).
Mortgage Interest Deduction
Mortgage interest is deductible on up to $750k of home debt. The SALT cap rose to $40,000 for 2025-2029 (reverts to $10k in 2030).
Opportunity Zones
Opportunity Zones are now permanent (2025): reinvested capital gains get deferral plus a basis step-up, and are tax-free after 10 years.
Rental Income (Resident)
Rental income is reported on Schedule E; passive-loss rules (Section 469) limit deducting rental losses against other income.
1031 State Conformity
The state conforms to the federal 1031 like-kind exchange rules.
Foreign buyers (non-residents)5
FIRPTA (Foreign Sellers)
FIRPTA: the buyer withholds 15% of the gross sale price when a nonresident sells US property. It is an advance deposit, not the final tax.
Non-Resident Capital Gains
Nonresident sellers pay US capital gains tax (generally 15-20%) on the net gain via Form 1040-NR; FIRPTA withholding is credited.
Non-Resident Rental Tax
Nonresident rental income is taxed at 30% of gross by default, or on net income at graduated rates via a Section 871(d) election (W-8ECI).
Estate Tax (Non-Resident)
Nonresidents get only a $60,000 US estate-tax exemption (vs $13.99M for residents); US property above it is taxed up to 40%. Treaties may help.
ITIN Requirement
Nonresidents without an SSN need an ITIN (Form W-7) to file US tax returns, claim FIRPTA refunds, and report rental income.
Talk to a US real-estate tax advisor
FIRPTA, ITIN & Maryland property-tax guidance for foreign buyers
White Oaks Real Estate FAQ
White Oaks in Cumberland, Maryland has a Red Flag score of 50, which places it in the middle of the range. The neighborhood also shows walkability of 67 and education in the 60th percentile, alongside prices that were flat, up 0.4 over the past year.
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