Median Income
$35,309
53% lower than US avg
Home Value
$61,600
78% lower than US avg
Violent Crime
0/100K
100% lower than US avg
Bachelor's+
9.6%
72% lower than US avg
Median Rent
$618
47% lower than US avg
Obesity Rate
31.0%
3% lower than US avg
Unemployment
11.8%
228% higher than US avg
Poverty Rate
50.2%
305% higher than US avg
How Cumberland Compares to the U.S. Average (100% = U.S. avg)
People
Population2,234
Median Age31.1 yrs
Density716/mi²
Male / Female47% / 53%
Largest GroupWhite 91%
Veterans8.4%
Economy
F
Median Income$35,309
Per Capita$14,950
Unemployment11.8%
Poverty50.2%
Commute14 min
Housing
A+
Home Value$61,600
Rent$618
Ownership54.4%
Zillow$54,823
Housing Units1,072
Rent Burden24.7%
Crime
C+
Violent0/100K
Property517/100K
Murder0.0/100K
Assault0/100K
Burglary465/100K
Climate
Avg Temp55°F (13°C)
AQI41 (Good)
Rain56.0 in/yr
Sunny Days299/yr
Elevation2,262 ft (689 m)
Education
D
Bachelor's+9.6%
High School+74.4%
Graduate+4.1%
School Score5.14
Community
2024 VoteR 81% / D 18%
Commute14 min
Broadband76.8%
EV Stations2
Libraries4
Is Cumberland a Good Place to Live?
Based on current data, Cumberland receives an overall livability score of 2.6 out of 5.0, earning a grade of C+. Key strengths include low crime rates, affordable housing, abundant sunshine, high health insurance coverage. Areas to be aware of include above-average unemployment, an elevated poverty rate, below-average incomes. Cumberland has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Cumberland is $35,309, 53% below the national average of $75,149. At 11.8%, unemployment is notably high. The poverty rate of 50.2% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 14 minutes, shorter than most U.S. cities.
Cost of Living & Housing
The median home value in Cumberland is $61,600, 78% below the national median / offering relatively affordable homeownership. Renters pay a median of $618 per month, below the national average / a plus for affordability. At just 1.7x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Cumberland is a very safe community with a violent crime rate of 0 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 517 per 100,000, 74% below the national average.
Education
9.6% of residents hold a bachelor's degree, below the national average of 33.7%. 74.4% have completed high school. Area schools have an average test score of 5.1/10.
Climate & Weather
Cumberland experiences four distinct seasons with an average temperature of 55°F. Winters average 34°F in January while summers reach 74°F in July. With 299 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 56.0 inches, including 9.2 inches of snow. Air quality is rated Good with a median AQI of 41.
Cumberland has a population of 2,234 with a density of 716 people per square mile, spread across 3.1 square miles. The median age is 31.1 years, 20% younger than the national median of 38.9. The gender split is 53.1% female and 46.9% male. The city is predominantly White (90.8%), with 2.3% Black. English is the primary language spoken at home by 98.3% of residents. 8.4% of the population are veterans, above the national rate of 6.0%. 32.5% of residents have a disability (above the 13.0% national average). 97.1% have health insurance coverage.
Population
31.1yrs
Median Age
20% below US avg
Race & Ethnicity
Cumberland vs U.S. Average
Language Spoken at Home
English Only
98.3%
25% above US avg
Spanish
1.7%
87% below US avg
Social Characteristics
Cumberland vs U.S. Average
The median household income in Cumberland is $35,309, which is 53% below the national average of $75,149. Per capita income is $14,950 (below the $39,052 national figure). The average weekly wage is $904, 37% lower than the U.S. average. The unemployment rate is 11.8% (above the 3.6% US average). 50.2% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 794 business establishments, including 63 restaurants. The cost of living index is 90.2, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 14 minutes (shorter than the 28-minute US average). 10.9% of workers work from home (below the 15.2% national rate).
Income: Cumberland vs U.S.
Income
| Median HH Income | $35,309 |
| 53% below US avg |
| Per Capita Income | $14,950 |
| Avg Weekly Wage | $904 |
| IRS Avg AGI | $53,796 |
| Gini Index | 0.430 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 11.8% |
| 228% above US avg |
| Poverty Rate | 50.2% |
| 305% above US avg |
| Establishments (County) | 794 |
Business (County)
| Restaurants | 63 |
| Healthcare | 81 |
| Retail | 131 |
| Manufacturing | 10 |
Tax & Cost of Living
| Property Tax (IRS) | $2,309 |
| 34% below US avg |
| Cost of Living | 90.20 (100=avg) |
| Effective Tax Rate | 3.75% |
Commute & Transportation
| Commute Time | 14.4 min |
| Drive Alone | 52.9% |
| Public Transit | 0.6% |
| Work from Home | 10.9% |
The median home value in Cumberland is $61,600, 78% below the national median of $281,900. Zillow estimates the typical home value at $54,823, lower than the Census estimate. Monthly rent averages $618 (47% below the national average of $1,163). Fair market rent ranges from $701 for a one-bedroom to $866 for a two-bedroom apartment. 54.4% of housing units are owner-occupied (below the 65.4% national rate). There are 1,072 total housing units in the city. The median year a home was built is 1966. The average annual property tax is $2,309 (lower than the $3,500 national average). 24.7% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.7x, well within the affordable range.
Home Values
| Census Median | $61,600 |
| 78% below US avg |
| Zillow ZHVI | $54,823 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $618 |
| 47% below US avg |
| Rent Burden | 24.7% |
HUD Fair Market Rent
| Studio | $619 |
| 1 Bedroom | $701 |
| 2 Bedrooms | $866 |
| 3 Bedrooms | $1,204 |
| 4 Bedrooms | $1,209 |
Ownership & Property
| Homeownership | 54.4% |
| Owner-Occupied | 54.4% |
| Renter-Occupied | 45.6% |
| Housing Units | 1,072 |
| Median Year Built | 1966 |
Property Tax
| Avg Tax (IRS) | $2,309 |
| 34% below US avg |
| Effective Rate | 3.75% |
In Cumberland, 31.0% of adults are obese, below the national rate of 32.1%. The primary care physician ratio is 1:4,456. The dentist ratio is 1:3,542. 77.9% of residents have access to exercise opportunities. The food environment index is 6.5 out of 10.
Health Metrics: Cumberland vs U.S. Average (%)
Chronic Conditions
| Obesity | 31.0% |
| 3% below US avg |
Behaviors & Mental Health
Healthcare Access
| Insurance Rate | 97.1% |
| |
| Primary Care | 1:4,456 |
| Dentists | 1:3,542 |
| Mental Health | 1:664 |
| Dental Visits | 45.3% |
| Premature Death | 13,685/100K |
Food & Exercise
| Food Environment | 6.5/10 |
| Exercise Access | 77.9% |
| Healthcare Facilities | 81 |
Cumberland has a violent crime rate of 0 per 100,000 residents, 100% below the national average of 380. This breaks down to aggravated assault at 0.0 per 100,000, robbery at 0.0, rape at 0.0. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 517 per 100,000, 74% below the U.S. average. This includes larceny/theft at 0, burglary at 465, vehicle theft at 52 per 100,000 residents. The county recorded 4 fatal traffic crashes. The area has experienced 91 federally declared disasters. Overall, Cumberland receives a safety grade of C+.
Crime Rates: Cumberland vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 0.0/100K |
| 100% below US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 0.0/100K |
| Robbery | 0.0/100K |
| Assault | 0.0/100K |
Property Crime
| Total Property | 516.5/100K |
| 74% below US avg |
| Burglary | 464.9/100K |
| Theft | 0.0/100K |
| Vehicle Theft | 51.7/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 4 |
| Avg Accident Severity | 0.0 / 4.0 |
| FEMA Disasters | 91 |
Safety Score
| Safety Grade | C+ |
| Safety Score | 2.5 / 5.0 |
Cumberland experiences four distinct seasons with an average annual temperature of 55°F (13°C). Winters average 34°F in January while summers reach 74°F in July. The area gets 299 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 56.0 inches (wetter than the 38-inch national average). The area receives 9.2 inches of snow annually. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 2,262 feet.
Temperature
34°F Jan (1°C)
74°F Jul (23°C)
| Annual Average | 54.5°F |
| 1% above US avg |
| January Average | 34°F (1°C) |
| July Average | 74°F (23°C) |
| Sunny Days | 299 days/yr |
Geography
| Elevation | 2,262 ft (689 m) |
| Area | 3.1 sq mi (8.1 km²) |
| Population Density | 716/sq mi |
| Coordinates | 36.9870°N, 82.9961°W |
| Timezone | America/New_York |
| County | Wise County County |
| Nearest Airport | Lake Cumberland Regional (SME)
89 miles away |
Precipitation & Snow
Annual Rainfall
56.0"
47% above US avg
Wettest Month (May)
4.84"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 50.4 / 100 |
| Social Vulnerability | 62.5 / 100 |
| Community Resilience | 6.1 / 100 |
Hazard Breakdown
| Tornado |
Very Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Relatively Low |
| Flood |
Relatively Low |
| Hail |
Very Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
No Rating |
| Winter Weather |
Relatively Moderate |
| Lightning |
Very Low |
| Ice Storm |
Very Low |
| Drought |
Very Low |
| Cold Wave |
Relatively Moderate |
| Landslide |
Relatively Moderate |
| Avalanche |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
81 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.2. Most recent: M2.5 on Aug 19, 2025.
| Nov 10, 2012 |
6 km W of Blackey, Kentucky |
M4.2 |
18 km |
| Aug 17, 1990 |
9 km NNW of Loyall, Kentucky |
M4.0 |
35 km |
| Jul 30, 1997 |
6 km NNE of Tazewell, Tennessee |
M3.8 |
72 km |
| Jan 20, 2020 |
2 km NE of Fincastle, Tennessee |
M3.8 |
111 km |
| Sep 17, 2004 |
8 km ESE of Corbin, Kentucky |
M3.7 |
90 km |
| Feb 12, 1994 |
10 km NNW of Abingdon, Virginia |
M3.4 |
91 km |
| Jun 26, 1995 |
6 km NNW of Trout Dale, Virginia |
M3.4 |
137 km |
| Mar 5, 2019 |
7 km NE of Maynardville, Tennessee |
M3.4 |
101 km |
| Nov 8, 1990 |
5 km SW of Blackey, Kentucky |
M3.2 |
14 km |
| Jan 27, 2009 |
4 km NE of Williamsburg, Kentucky |
M3.2 |
104 km |
| Jul 26, 2001 |
11 km S of New Market, Tennessee |
M3.2 |
120 km |
| Jul 26, 2001 |
11 km N of Sevierville, Tennessee |
M3.2 |
123 km |
| Jan 17, 1999 |
7 km NNW of Flat Lick, Kentucky |
M3.1 |
72 km |
| Apr 29, 2018 |
10 km WSW of Bean Station, Tennessee |
M3.1 |
84 km |
| Apr 13, 2001 |
11 km W of Sneedville, Tennessee |
M3.0 |
60 km |
| Jul 7, 1995 |
3 km NW of Mountain City, Tennessee |
M3.0 |
117 km |
| Nov 24, 2012 |
7 km NE of Sevierville, Tennessee |
M3.0 |
127 km |
| Jan 1, 1993 |
4 km SSW of Spruce Pine, North Carolina |
M3.0 |
148 km |
| Jul 17, 2019 |
7 km SW of New Tazewell, Tennessee |
M3.0 |
88 km |
| Apr 5, 2005 |
1 km SE of Blaine, Tennessee |
M2.9 |
112 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
120 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF3. Total: 7 fatalities, 156 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Mar 2, 2012 |
EF3 |
83 km |
2 |
| May 9, 1988 |
EF3 |
80 km |
1 |
| Apr 4, 1974 |
EF3 |
97 km |
1 |
| Jun 29, 1973 |
EF3 |
98 km |
0 |
| Mar 2, 2012 |
EF2 |
76 km |
0 |
| Apr 27, 2011 |
EF2 |
82 km |
0 |
| May 8, 2009 |
EF2 |
41 km |
0 |
| May 8, 2009 |
EF2 |
93 km |
0 |
| May 8, 2009 |
EF2 |
78 km |
0 |
| Jun 2, 2001 |
EF2 |
98 km |
0 |
| May 18, 1995 |
EF2 |
55 km |
0 |
| May 6, 1984 |
EF2 |
98 km |
0 |
| Jul 6, 1980 |
EF2 |
51 km |
0 |
| Oct 1, 1977 |
EF2 |
98 km |
0 |
| Apr 3, 1974 |
EF2 |
100 km |
0 |
| Apr 22, 1967 |
EF2 |
92 km |
0 |
| Mar 12, 1967 |
EF2 |
96 km |
1 |
| Jun 3, 1962 |
EF2 |
83 km |
0 |
| Apr 8, 1957 |
EF2 |
87 km |
0 |
| Mar 5, 1955 |
EF2 |
59 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: UNNAMED (66,345 ac, 1987).
| Year |
Name |
Acres |
Distance |
| 1987 |
UNNAMED |
66,345 |
56 km |
| 1987 |
UNNAMED |
66,145 |
62 km |
| 1987 |
UNNAMED |
38,312 |
98 km |
| 1987 |
UNNAMED |
32,565 |
80 km |
| 1991 |
UNNAMED |
22,282 |
89 km |
| 1987 |
UNNAMED |
20,994 |
89 km |
| 2001 |
UNNAMED |
18,013 |
53 km |
| 1999 |
UNNAMED |
17,759 |
55 km |
| 1991 |
UNNAMED |
17,406 |
41 km |
| 1999 |
UNNAMED |
17,328 |
41 km |
| 1994 |
UNNAMED |
15,526 |
47 km |
| 1987 |
UNNAMED |
15,138 |
12 km |
| 1991 |
UNNAMED |
14,264 |
94 km |
| 1987 |
UNNAMED |
13,124 |
70 km |
| 1987 |
UNNAMED |
11,817 |
72 km |
| 1991 |
UNNAMED |
11,117 |
95 km |
| 1999 |
UNNAMED |
10,990 |
57 km |
| 1987 |
UNNAMED |
10,817 |
82 km |
| 1987 |
UNNAMED |
9,572 |
53 km |
| 1999 |
UNNAMED |
9,384 |
77 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
34°F (1°C) |
3.8 in |
Coldest |
| February |
34°F (1°C) |
3.9 in |
|
| March |
42°F (6°C) |
4.5 in |
|
| April |
51°F (10°C) |
4.1 in |
|
| May |
59°F (15°C) |
4.8 in |
Wettest |
| June |
67°F (19°C) |
4.2 in |
|
| July |
74°F (23°C) |
4.8 in |
Warmest |
| August |
69°F (21°C) |
4.1 in |
|
| September |
64°F (18°C) |
3.7 in |
|
| October |
53°F (12°C) |
3.2 in |
Driest |
| November |
44°F (6°C) |
3.9 in |
|
| December |
36°F (2°C) |
3.9 in |
|
Cumberland has a seasonal temperature swing of 40°F / from 34°F in January to 74°F in July. Total annual precipitation is 48.9 inches, with May being the wettest month (4.8") and October the driest (3.2").
Average costs for common services in Cumberland. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$226 ($135–$361) |
| Specialist Visit |
$316 ($180–$496) |
| Urgent Care Visit |
$180 ($90–$316) |
| Emergency Room Visit |
$1,984 ($722–$4,510) |
| Dental Cleaning |
$117 ($68–$180) |
| Dental Filling |
$226 ($135–$361) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$41 ($23–$68) |
| Oil Change (Synthetic) |
$68 ($45–$108) |
| Brake Pad Replacement |
$271 ($135–$451) |
| Tire Rotation |
$36 ($18–$68) |
| New Tires (Set of 4) |
$541 ($361–$902) |
| Battery Replacement |
$180 ($90–$316) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$90 ($54–$135) |
| Electrician (Per Hour) |
$81 ($45–$126) |
| HVAC Repair |
$361 ($135–$722) |
| HVAC System Install |
$6,314 ($3,608–$10,824) |
| Roof Repair |
$902 ($361–$1,804) |
| Roof Replacement |
$8,118 ($4,961–$13,530) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,353 ($451–$3,157) |
| Divorce (Contested) |
$13,530 ($4,510–$27,060) |
| DUI Defense |
$4,510 ($1,804–$9,020) |
| Bankruptcy (Chapter 7) |
$1,353 ($722–$2,706) |
| Will Preparation |
$451 ($180–$902) |
| Trust Preparation |
$2,255 ($902–$4,510) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$41) |
| Women's Haircut |
$50 ($27–$90) |
| Hair Coloring (Full) |
$135 ($68–$226) |
| Manicure |
$23 ($14–$41) |
| Pedicure |
$36 ($23–$59) |
| Massage (1 Hour) |
$72 ($45–$117) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.70 ($2.71–$4.96) |
| Dozen Eggs (per dozen) |
$3.16 ($2.26–$4.51) |
| Loaf of Bread |
$3.43 ($2.26–$4.96) |
| Chicken Breast (per lb) |
$4.06 ($2.71–$5.86) |
| Ground Beef (per lb) |
$4.96 ($3.61–$6.77) |
| Rice (per lb) |
$0.90 ($0.54–$1.62) |
View all 20 services
Utilities
| Electricity (Monthly) |
$126 ($72–$226) |
| Natural Gas (Monthly) |
$63 ($27–$135) |
| Water/Sewer (Monthly) |
$63 ($36–$108) |
| Internet (Monthly) |
$63 ($36–$90) |
| Cell Phone Plan (Monthly) |
$59 ($27–$90) |
| Cable TV (Monthly) |
$77 ($45–$135) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$180 ($68–$451) |
| Car Insurance (Annual) |
$1,804 ($1,082–$3,157) |
| Bus Pass (Monthly) |
$63 ($27–$117) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.22–$23) |
| Car Registration (Annual) |
$90 ($27–$226) |
| Driver's License Renewal |
$27 ($14–$68) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,082 ($541–$2,255) |
| Daycare (Toddler, Monthly) |
$902 ($451–$1,804) |
| After-School Care (Monthly) |
$361 ($180–$631) |
| Tutoring (Per Hour) |
$45 ($23–$90) |
| SAT/ACT Prep Course |
$902 ($361–$2,255) |
| Private School (K-12, Annual) |
$11,275 ($4,510–$27,060) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$54 ($27–$90) |
| Dog Vaccination (Annual) |
$90 ($45–$180) |
| Dog Grooming |
$54 ($27–$90) |
| Pet Boarding (Per Night) |
$36 ($18–$68) |
| Dog Spay/Neuter |
$271 ($135–$451) |
| Cat Spay/Neuter |
$180 ($90–$361) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $513 |
| Toddler | $520 |
| Preschool | $520 |
| Family Childcare (monthly) |
| Infant | $403 |
| Toddler | $390 |
| Preschool | $390 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Cumberland
What is the population of Cumberland?
Cumberland has a population of 2,234 residents and is located in Kentucky. The population density is 716 people per square mile, spread across 3.1 square miles. The median age of residents is 31.1 years, which is younger than the national median of 38.9 years. The population is 53.1% female and 46.9% male.
Is Cumberland expensive to live in?
Cumberland is more affordable than the national average, with a cost of living index of 90.2 / below the baseline of 100. The median household income is $35,309, 53% below the national average of $75,149. The median home value is $61,600 (78% below the U.S. median). Renters pay a median of $618 per month, below the national average of $1,163. The home price-to-income ratio is 1.7x, indicating housing is reasonably affordable relative to local income levels.
Is Cumberland safe?
Cumberland is considered a very safe city with a violent crime rate of 0 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 517 per 100,000 (below the national average). Overall, Cumberland receives a safety grade of C+ based on combined crime data.
What is the weather like in Cumberland?
Cumberland has a four-season climate with an average annual temperature of 55°F (13°C). Winter temperatures average 34°F in January, while summers reach an average of 74°F in July. The area receives 299 sunny days per year, well above the national average of 205. Annual rainfall totals 56.0 inches, with 9.2 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in Cumberland?
The job market in Cumberland faces challenges, with unemployment at 11.8% / significantly above the national rate of 3.6%. The average weekly wage is $904. There are 794 business establishments in the area, including 63 restaurants and food service locations. The average commute time is 14 minutes, and 10.9% of workers work from home.
How much does housing cost in Cumberland?
The median home value in Cumberland is $61,600. Zillow estimates the typical home value at $54,823. For renters, the median monthly rent is $618. Fair market rent is $701 for a 1-bedroom and $866 for a 2-bedroom apartment. The homeownership rate is 54.4%. The average annual property tax is $2,309.
How are the schools in Cumberland?
Schools in Cumberland score 5.1 out of 10 on standardized testing, near the national average. 9.6% of adults in Cumberland hold a bachelor's degree or higher, below the national average of 33.7%. 74.4% have completed high school. 4.1% hold a graduate or professional degree.
How healthy is Cumberland?
The obesity rate in Cumberland is 31.0% (below the national rate of 32.1%). 77.9% of residents have access to exercise opportunities. The primary care physician ratio is 1:4,456.
What is transportation like in Cumberland?
The average commute in Cumberland is 14 minutes, shorter than the national average of 28 minutes. 52.9% of workers drive alone to work, and 10.9% work from home.
What are the demographics of Cumberland?
The racial and ethnic makeup of Cumberland is 90.8% White, 2.3% Black or African American, 0.7% Hispanic or Latino. 98.3% of residents speak only English at home. 8.4% of the population are military veterans. 32.5% of residents have a disability. 97.1% have health insurance coverage.
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