Cumberland County, Tennessee

Income Data

-1% vs. Tennessee average
$58,475
Median Household Income
$32,517
Per Capita Income

At a Glance

Median Household Income
$58,475
-1% vs. state avg
Per Capita Income
$32,517
-18% vs. national
Income-to-Housing Ratio
25.6%
income as % of home value
Rank in Tennessee
#42 / 95
by median household income

How Cumberland County Compares

Cumberland County$58,475
Tennessee Average$58,994
National Median$74,755

Detailed Income Statistics

$58,475
Median Household Income
$32,517
Per Capita Income
$228,000
Median Home Value
25.6%
Income-to-Housing Ratio

Data Story

About Household Income in Cumberland County, Tennessee

Cumberland lags behind national income levels

Cumberland County's median household income of $58,475 sits roughly $16,300 below the national median of $74,755. This 22% shortfall is consistent with rural Tennessee's broader divergence from national income trends.

Right at Tennessee's state average income

At $58,475, Cumberland County's median household income nearly mirrors Tennessee's statewide average of $58,994, ranking it squarely in the middle of the state's income distribution. This alignment suggests Cumberland represents a typical earnings environment for Tennessee counties.

Middle of the rural earnings pack

Cumberland's $58,475 exceeds earnings in Decatur ($46,190) and DeKalb ($48,484) but trails Dyer County ($54,973) and Dickson County ($73,223). The county's position reflects modest advantages over the most economically challenged rural neighbors.

Affordable housing supports financial stability

Cumberland's 17.0% rent-to-income ratio indicates healthy housing affordability, with households spending well under the stress threshold. However, median home values of $228,000 are substantially higher than the local income would traditionally support, suggesting some homeowners carry significant mortgages.

Smart financial planning builds long-term security

Cumberland County residents benefit from affordable rental markets, creating an opportunity to prioritize savings and investment over housing costs. Consider working with a financial advisor to maximize employer retirement benefits and develop a debt-reduction strategy tailored to local income levels.

Frequently Asked Questions

What is the median household income in Cumberland County, Tennessee?
The median household income in Cumberland County, Tennessee is $58,475, 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 $32,517, 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 $58,475.
How does Cumberland County compare to the Tennessee average?
Cumberland County's median household income of $58,475 is lower than the Tennessee state average of $58,994. The per capita income is $32,517, compared to the state average of $31,458.
What is the per capita income in Cumberland County, Tennessee?
The per capita income in Cumberland County, Tennessee is $32,517, 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 Tennessee?
Cumberland County's median household income of $58,475 is below the Tennessee average of $58,994. The per capita income of $32,517 is also comparable to the state average of $31,458. 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 Tennessee?
Cumberland County ranks #42 out of 95 counties in Tennessee by median household income (1 = highest). With a median household income of $58,475 and per capita income of $32,517, 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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Your income is above the Cumberland County median

County median: $58,475 per year

vs. County Median

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vs. State Average

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vs. National Median

-22%

vs. Cumberland County MedianAbout equal
vs. Tennessee Average1% below
vs. National Median22% below

Income Adequacy

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Your monthly income ($4,873) vs. median rent ($829/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.