Cumberland County, North Carolina
Income Data
U.S. Census Bureau ACSAt a Glance
Economic Indicators
How Cumberland County Compares
Detailed Income Statistics
Income Advisory: Cumberland County
Income Verdict
Cumberland County has a median household income of $58,780 and per capita income of $31,206 — a gap of $27,574, suggesting a typical mix of dual-income and single-earner households.
Housing Affordability
With median gross rent at $1,156/month and a median household income of $58,780, rent consumes approximately 23.6% of monthly income — well within affordable thresholds.
Economic Context
With a median household income of $58,780, residents of Cumberland County likely face budget constraints in higher-cost regions but may find cost of living manageable locally. Per capita income of $31,206 is in line with national norms for individual earners.
Neighbor Context
Cumberland County earns approximately 3.8% below the North Carolina state median household income of $61,072.
Data Story
About Household Income in Cumberland County, North Carolina
Cumberland Falls Short Nationally
Cumberland County's median household income of $58,780 trails the national median of $74,755 by 21.4%. The county ranks in the bottom third of U.S. counties for household income.
Below NC State Average
Cumberland's $58,780 median household income falls 3.8% below North Carolina's state average of $61,072. The county ranks in the lower half of the state's income distribution.
Struggling vs. Regional Peers
Cumberland earns $5,855 less than Craven County and $22,434 less than nearby Dare County. Among its neighbors, Cumberland faces the steepest income challenge, reflecting economic differences within the region.
Rent Squeeze Requires Attention
At 23.6%, Cumberland's rent-to-income ratio exceeds the 21% affordability threshold, meaning renters stretch further to cover housing costs. With median home values at $183,700, homeownership requires careful financial planning.
Prioritize Debt and Savings
Given the higher housing burden, Cumberland households should focus on eliminating high-interest debt first, then build a modest emergency fund of $2,000–$5,000. Low-cost investment options like employer 401(k)s can still accelerate wealth-building even on modest income.
Frequently Asked Questions
What is the median household income in Cumberland County, North Carolina?
How much do people earn in Cumberland County?
How does Cumberland County compare to the North Carolina average?
What is the per capita income in Cumberland County, North Carolina?
Is Cumberland County a low-income area in North Carolina?
How does Cumberland County rank for income in North Carolina?
Income Comparison Calculator
See how your household income compares in Cumberland County
Your income is above the Cumberland County median
County median: $58,780 per year
vs. County Median
+0%
vs. State Average
-4%
vs. National Median
-21%
Income Adequacy
Your monthly income ($4,898) vs. median rent ($1,156/mo). A ratio of 3.3x or higher means rent is under 30% of income.
Grow Your Wealth
See how your income stacks up in Cumberland County, North Carolina? Start investing smarter with a robo-advisor that builds a diversified portfolio for you.
Start InvestingCounties with Similar Income Levels
Compare Financial Products in North Carolina
Compare savings accounts, CDs, and money market rates from top banks to make the most of your earnings.
Compare RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.