The city of Cumberland is the county seat of Allegany County; and a regional business and commercial center for Western Maryland and the Potomac Highlands of West Virginia. It is the primary city of the Cumberland, MD-WV Metropolitan Statistical Area. As of the 2000 census, Cumberland had a population of 21,591.

Cumberland experiences four distinct seasons, including warm summers and cold winters. Temperatures around 20°F are common in the winter months, while temperatures can reach 95°F in the summer

Cumberland is named after the son of King George II, Prince William, the Duke of Cumberland. It is built on the site of the old Fort Cumberland, a launch pad for British General Edward Braddock's ill-fated attack on the French strong-hold of Fort Duquesne (located on the site of present-day Pittsburgh) during the French and Indian War.

The city of Cumberland has found itself a center of activity throughout its history. During its more than 200 years of existence, Cumberland has been a military fort, the origin point of America's first highway, the termination point of a monumental federal construction project, a western gateway to the Ohio River Valley, the processing center for rich coal fields, and a primary link on one of America's most successful railroads. Nestled dramatically at the base of converging mountain ridges and at the confluence of Wills Creek and the Potomac River, Cumberland conforms in its layout to the rugged topography within which it is situated. From its beginnings as a British fort to its place today as western Maryland's second largest city, Cumberland has always lived up to its nickname as "The Queen City."

Cumberland was also an outpost of Colonel George Washington during the French and Indian War and his first military headquarters was built here. Washington later returned to Cumberland as President in 1794 to review troops that had been assembled to thwart the Whiskey Rebellion.

Cumberland was a key road, railroad and canal junction during the 1800s and at one time the second largest city in Maryland (second to the port city of Baltimore--hence its nickname "The Queen City"). The surrounding hillsides provided coal, iron ore, and timber that helped supply the industrial revolution. In addition, the city was a major manufacturing center, with industries in glass, breweries, fabrics, and tinplate. However, following World War II, it began to lose much of its industrial importance and its population declined from 39,483 residents in the 1940 census to fewer than 22,000 today. Similar to other communities it resembles in the Monongahela Valley Industrial region of southwestern Pennsylvania, the city continues to struggle with the challenges of transitioning to a post-industrial economy.

During the Civil War Cumberland was a union stronghold and troops were garrisoned there to protect the Baltimore & Ohio Railroad. Confederate raiders routinely raided the city and in one daring raid by McNeill's Rangers kidnapped two Union generals, including General George Crook.

In 1864, Confederate General towards Cumberland, Maryland, to disrupt the B&O Railroad. Union Brig. Gen. Benjamin F. Kelly organized a small force of soldiers and ambushed the Rebel cavalrymen near Cumberland at Folck’s Mill forcing the Confederates to withdrew.