Cumberland County, North Carolina

Income Data

-4% vs. North Carolina average
$58,780
Median Household Income
$31,206
Per Capita Income

At a Glance

Median Household Income
$58,780
-4% vs. state avg
Per Capita Income
$31,206
-21% vs. national
Income-to-Housing Ratio
32.0%
income as % of home value
Rank in North Carolina
#52 / 100
by median household income

How Cumberland County Compares

Cumberland County$58,780
North Carolina Average$61,072
National Median$74,755

Detailed Income Statistics

$58,780
Median Household Income
$31,206
Per Capita Income
$183,700
Median Home Value
32.0%
Income-to-Housing Ratio

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?
The median household income in Cumberland County, North Carolina is $58,780, according to U.S. Census Bureau American Community Survey 2019-2023 5-Year Estimates. This represents the midpoint of all household incomes in the county.
How much do people earn in Cumberland County?
The per capita income in Cumberland County is $31,206, which represents the average income per person across the entire county population. The median household income — which accounts for all earners in a household — is $58,780.
How does Cumberland County compare to the North Carolina average?
Cumberland County's median household income of $58,780 is lower than the North Carolina state average of $61,072. The per capita income is $31,206, compared to the state average of $33,920.
What is the per capita income in Cumberland County, North Carolina?
The per capita income in Cumberland County, North Carolina is $31,206, according to U.S. Census Bureau American Community Survey 2019-2023 5-Year Estimates. Per capita income is calculated by dividing total personal income by total population, providing an average income figure per resident.
Is Cumberland County a low-income area in North Carolina?
Cumberland County's median household income of $58,780 is below the North Carolina average of $61,072. The per capita income of $31,206 is also lower than the state average of $33,920. Lower incomes can reflect the local economic base, rural vs. urban location, and employment opportunities available in the area.
How does Cumberland County rank for income in North Carolina?
Cumberland County ranks #52 out of 100 counties in North Carolina by median household income (1 = highest). With a median household income of $58,780 and per capita income of $31,206, it falls in the middle third of counties statewide.

Income Comparison Calculator

See how your household income compares in Cumberland County

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County median: $58,780 per year

vs. County Median

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vs. State Average

-4%

vs. National Median

-21%

vs. Cumberland County MedianAbout equal
vs. North Carolina Average4% below
vs. National Median21% below

Income Adequacy

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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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Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.