Cumberland County, Pennsylvania

Income Data

+23% vs. Pennsylvania average
$85,634
Median Household Income
$45,365
Per Capita Income

At a Glance

Median Household Income
$85,634
+23% vs. state avg
Per Capita Income
$45,365
+15% vs. national
Income-to-Housing Ratio
32.7%
income as % of home value
Rank in Pennsylvania
#7 / 67
by median household income

How Cumberland County Compares

Cumberland County$85,634
Pennsylvania Average$69,614
National Median$74,755

Detailed Income Statistics

$85,634
Median Household Income
$45,365
Per Capita Income
$261,900
Median Home Value
32.7%
Income-to-Housing Ratio

Data Story

About Household Income in Cumberland County, Pennsylvania

Cumberland outpaces U.S. income median

Cumberland County's median household income of $85,634 exceeds the national median of $74,755 by $10,879, a 14.6% premium. This places Cumberland among the wealthier counties nationally and well above most Pennsylvania peers. The strong performance reflects a diversified economy with proximity to state capital Harrisburg.

Second-wealthiest county in sample

Cumberland's $85,634 median household income ranks second only to Delaware County ($88,576) in this eight-county comparison and exceeds Pennsylvania's state average of $69,614 by $16,020. Per capita income of $45,365 also ranks among the highest statewide. Cumberland's economic strength reflects both individual prosperity and regional development.

Clear leader in regional earnings

Cumberland's $85,634 median household income vastly exceeds all other peers in this sample, surpassing Dauphin ($74,159) by over $11,000 and trailing only Delaware County. This commanding lead reflects Cumberland's location, economic diversity, and proximity to government and professional services sectors. The gap widens significantly in the western counties.

Incomes support rising home values

Cumberland's 16.6% rent-to-income ratio is balanced, but the median home value of $261,900 consumes a significant portion of household wealth. Residents earning $85,634 spend roughly $1,180 monthly on rent, while home purchases require substantial down payments. The affordability challenge intensifies because property values continue appreciating faster than wages.

Diversify wealth beyond home equity

Cumberland's above-average incomes provide opportunity to build wealth in stocks, bonds, and alternative investments beyond real estate. Max out 401(k) and IRA contributions, then explore taxable investment accounts for additional growth. With consistent contributions and disciplined rebalancing, high-income earners can accumulate meaningful wealth within 10–15 years.

Frequently Asked Questions

What is the median household income in Cumberland County, Pennsylvania?
The median household income in Cumberland County, Pennsylvania is $85,634, 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 $45,365, 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 $85,634.
How does Cumberland County compare to the Pennsylvania average?
Cumberland County's median household income of $85,634 is higher than the Pennsylvania state average of $69,614. The per capita income is $45,365, compared to the state average of $37,407.
What is the per capita income in Cumberland County, Pennsylvania?
The per capita income in Cumberland County, Pennsylvania is $45,365, 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.
Why is Cumberland County income higher than the Pennsylvania average?
Cumberland County's median household income of $85,634 is higher than the Pennsylvania average of $69,614. This difference of $16,020 can be attributed to factors such as local industry mix, proximity to major employment centers, educational attainment levels, and cost of living. Counties with higher incomes often have a greater concentration of professional and technical occupations.
How does Cumberland County rank for income in Pennsylvania?
Cumberland County ranks #7 out of 67 counties in Pennsylvania by median household income (1 = highest). With a median household income of $85,634 and per capita income of $45,365, it falls in the top third of counties statewide.

Income Comparison Calculator

See how your household income compares in Cumberland County

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County median: $85,634 per year

vs. County Median

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vs. State Average

+23%

vs. National Median

+15%

vs. Cumberland County MedianAbout equal
vs. Pennsylvania Average23% above
vs. National Median15% above

Income Adequacy

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Your monthly income ($7,136) vs. median rent ($1,184/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.