Cumberland County, North Carolina
Income Data
At a Glance
How Cumberland County Compares
Detailed Income Statistics
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
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Income Comparison Calculator
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Your income is above the Cumberland County median
County median: $58,780 per year
vs. County Median
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vs. State Average
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vs. National Median
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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.
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Compare RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.