Median Income
$58,993
21% lower than US avg
Home Value
$178,300
37% lower than US avg
Violent Crime
62/100K
84% lower than US avg
Bachelor's+
43.0%
28% higher than US avg
Obesity Rate
38.2%
19% higher than US avg
Unemployment
4.3%
19% higher than US avg
Poverty Rate
3.3%
73% lower than US avg
How Cumberland Compares to the U.S. Average (100% = U.S. avg)
People
Population733
Median Age58.2 yrs
Density577/mi²
Male / Female47% / 53%
Largest GroupWhite 79%
Veterans17.5%
Economy
B+
Median Income$58,993
Per Capita$30,125
Unemployment4.3%
Poverty3.3%
County GDP$725M
Commute21 min
Housing
A+
Home Value$178,300
Ownership91.7%
Zillow$260,074
Housing Units422
Rent Burden23.0%
Crime
F
Violent62/100K
Property62/100K
Health
Obesity38.2%
Uninsured10.7%
Smoking18.3%
Depression27.0%
Heart Disease6.5%
Climate
Avg Temp63°F (17°C)
AQI45 (Good)
Rain41.4 in/yr
Sunny Days310/yr
Elevation698 ft (213 m)
Education
A
Bachelor's+43.0%
High School+92.4%
Graduate+2.6%
School Score5.23
Community
2024 VoteR 81% / D 18%
Commute21 min
Broadband80.2%
EV Stations1
Libraries1
Is Cumberland a Good Place to Live?
Based on current data, Cumberland receives an overall livability score of 3.6 out of 5.0, earning a grade of B+. Key strengths include low crime rates, a highly educated population, affordable housing, abundant sunshine. Areas to be aware of include below-average incomes. Cumberland offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Cumberland is $58,993, 21% below the national average of $75,149. Unemployment stands at 4.3%, indicating a healthy job market. Only 3.3% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 21 minutes.
Cost of Living & Housing
The median home value in Cumberland is $178,300, 37% below the national median / offering relatively affordable homeownership. At just 3x 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 62 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 62 per 100,000, 97% below the national average.
Education
Educational attainment is solid, with 43.0% holding a bachelor's degree or higher, near the national average. 92.4% have completed high school. Area schools have an average test score of 5.2/10.
Climate & Weather
Cumberland enjoys a moderate climate with an average annual temperature of 63°F. Winters average 41°F in January while summers reach 84°F in July. With 310 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 41.4 inches. Air quality is rated Good with a median AQI of 45.
Cumberland has a population of 733 with a density of 577 people per square mile, spread across 1.3 square miles. The median age is 58.2 years, 50% older than the national median of 38.9. The gender split is 53.2% female and 46.8% male. The city is predominantly White (79%), with 16.9% Hispanic. English is the primary language spoken at home by 92.8% of residents, while 7.2% speak Spanish. 17.5% of the population are veterans, above the national rate of 6.0%. 26.4% of residents have a disability (above the 13.0% national average). 86.6% have health insurance coverage.
Population
58.2yrs
Median Age
50% above US avg
Race & Ethnicity
Cumberland vs U.S. Average
Language Spoken at Home
English Only
92.8%
18% above US avg
Spanish
7.2%
46% below US avg
Social Characteristics
Cumberland vs U.S. Average
The median household income in Cumberland is $58,993, which is 21% below the national average of $75,149. Per capita income is $30,125 (below the $39,052 national figure). The average weekly wage is $944, 34% lower than the U.S. average. The unemployment rate is 4.3% (above the 3.6% US average). 3.3% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 362 business establishments, including 46 restaurants. The cost of living index is 87.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 21 minutes (shorter than the 28-minute US average). 13.1% of workers work from home.
Income: Cumberland vs U.S.
Income
| Median HH Income | $58,993 |
| 21% below US avg |
| Per Capita Income | $30,125 |
| Avg Weekly Wage | $944 |
| IRS Avg AGI | $64,119 |
| Gini Index | 0.461 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 4.3% |
| 19% above US avg |
| Poverty Rate | 3.3% |
| 73% below US avg |
| Establishments (County) | 362 |
| County GDP | $725M |
Business (County)
| Restaurants | 46 |
| Healthcare | 24 |
| Retail | 62 |
| Manufacturing | 21 |
Tax & Cost of Living
| Property Tax (IRS) | $2,234 |
| 36% below US avg |
| Cost of Living | 87.80 (100=avg) |
| Effective Tax Rate | 1.25% |
Commute & Transportation
| Commute Time | 21.1 min |
| Drive Alone | 77.0% |
| Public Transit | 0.0% |
| Work from Home | 13.1% |
The median home value in Cumberland is $178,300, 37% below the national median of $281,900. Zillow estimates the typical home value at $260,074, higher than the Census estimate. Fair market rent ranges from $791 for a one-bedroom to $995 for a two-bedroom apartment. 91.7% of housing units are owner-occupied (above the 65.4% national rate). There are 422 total housing units in the city. The median year a home was built is 1975. The average annual property tax is $2,234 (lower than the $3,500 national average). 23.0% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3x, well within the affordable range.
Home Values
| Census Median | $178,300 |
| 37% below US avg |
| Zillow ZHVI | $260,074 |
Real Estate Market (Redfin)
Rental Costs
HUD Fair Market Rent
| Studio | $744 |
| 1 Bedroom | $791 |
| 2 Bedrooms | $995 |
| 3 Bedrooms | $1,297 |
| 4 Bedrooms | $1,501 |
Ownership & Property
| Homeownership | 91.7% |
| Owner-Occupied | 91.7% |
| Renter-Occupied | 8.3% |
| Housing Units | 422 |
| Median Year Built | 1975 |
Property Tax
| Avg Tax (IRS) | $2,234 |
| 36% below US avg |
| Effective Rate | 1.25% |
In Cumberland, 38.2% of adults are obese, above the national rate of 32.1%. 11.1% have diabetes. Heart disease affects 6.5% of residents. 35.8% have high blood pressure. 18.3% are current smokers (above the 14.0% national rate). 15.8% report binge drinking. 31.5% are physically inactive, above the national average. 27.0% report depression (above the 20.0% national average). 19.4% experience frequent mental distress. 10.7% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:3,899. The dentist ratio is 1:7,941. 61.5% of residents have access to exercise opportunities. The food environment index is 6.0 out of 10.
Health Metrics: Cumberland vs U.S. Average (%)
Chronic Conditions
| Obesity | 38.2% |
| 19% above US avg |
| Diabetes | 11.1% |
| Heart Disease | 6.5% |
| High Blood Pressure | 35.8% |
| Asthma | 11.9% |
| COPD | 8.0% |
| Cancer | 7.2% |
| Stroke | 3.5% |
Behaviors & Mental Health
| Smoking | 18.3% |
| 31% above US avg |
| Binge Drinking | 15.8% |
| Physical Inactivity | 31.5% |
| Depression | 27.0% |
| Mental Distress | 19.4% |
| Physical Distress | 14.4% |
| Short Sleep | 39.3% |
Healthcare Access
| Insurance Rate | 86.6% |
| Uninsured | 10.7% |
| 24% above US avg |
| Primary Care | 1:3,899 |
| Dentists | 1:7,941 |
| Mental Health | 1:296 |
| Checkup Rate | 76.4% |
| Dental Visits | 52.6% |
| Premature Death | 11,482/100K |
Food & Exercise
| Food Environment | 6.0/10 |
| Exercise Access | 61.5% |
| Healthcare Facilities | 24 |
Cumberland has a violent crime rate of 62 per 100,000 residents, 84% below the national average of 380. Property crime stands at 62 per 100,000, 97% below the U.S. average. The county recorded 3 fatal traffic crashes. Overall, Cumberland receives a safety grade of F.
Crime Rates: Cumberland vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 61.8/100K |
| 84% below US avg |
| |
Property Crime
| Total Property | 61.8/100K |
| 97% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 3 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Cumberland enjoys a temperate climate with an average annual temperature of 63°F (17°C). Winters average 41°F in January while summers reach 84°F in July. The area gets 310 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 41.4 inches. The area receives 2.3 inches of snow annually. Air quality is rated Good with a median AQI of 45. The city sits at an elevation of 698 feet.
Temperature
41°F Jan (5°C)
84°F Jul (29°C)
| Annual Average | 62.9°F |
| 16% above US avg |
| January Average | 41°F (5°C) |
| July Average | 84°F (29°C) |
| Sunny Days | 310 days/yr |
Geography
| Elevation | 698 ft (213 m) |
| Area | 1.3 sq mi (3.3 km²) |
| Population Density | 577/sq mi |
| Coordinates | 34.0587°N, 96.5924°W |
| Timezone | America/Chicago |
| County | Marshall County County |
| Nearest Airport | Durant Regional/Eaker Field (DUA)
14 miles away |
Precipitation & Snow
Annual Rainfall
41.4"
9% above US avg
Wettest Month (May)
5.20"
Air Quality
| AQI Median | 45.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 49.0 / 100 |
| Social Vulnerability | 92.5 / 100 |
| Community Resilience | 10.9 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Relatively Low |
| Flood |
Relatively Low |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively High |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively High |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
298 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.5. Most recent: M3.1 on Aug 29, 2024.
| Sep 6, 1997 |
6 km N of Tupelo, Oklahoma |
M4.5 |
68 km |
| Jan 18, 1995 |
4 km SSE of Erin Springs, Oklahoma |
M4.2 |
122 km |
| Apr 3, 2012 |
8 km SSW of Pittsburg, Oklahoma |
M4.1 |
92 km |
| Nov 15, 1990 |
5 km SSE of Erin Springs, Oklahoma |
M3.9 |
120 km |
| Sep 25, 2023 |
9 km WNW of Velma, Oklahoma |
M3.7 |
118 km |
| Apr 7, 2021 |
7 km WSW of Horntown, Oklahoma |
M3.6 |
114 km |
| Dec 17, 1992 |
7 km SSE of Erin Springs, Oklahoma |
M3.6 |
119 km |
| Jan 7, 2015 |
6 km NE of Irving, Texas |
M3.6 |
138 km |
| Apr 28, 2013 |
4 km NNW of Oakland, Oklahoma |
M3.5 |
22 km |
| Jul 24, 2013 |
4 km NNW of Cromwell, Oklahoma |
M3.5 |
147 km |
| Jun 8, 2004 |
6 km N of Lone Grove, Oklahoma |
M3.5 |
64 km |
| Jan 6, 2015 |
4 km ENE of Irving, Texas |
M3.5 |
139 km |
| Jan 4, 2013 |
6 km NW of Cromwell, Oklahoma |
M3.5 |
147 km |
| Aug 18, 2014 |
4 km NW of Cromwell, Oklahoma |
M3.5 |
146 km |
| Mar 4, 2013 |
5 km S of Tishomingo, Oklahoma |
M3.5 |
17 km |
| Apr 19, 2021 |
8 km SW of Dibble, Oklahoma |
M3.5 |
143 km |
| Sep 9, 2012 |
8 km WNW of Cromwell, Oklahoma |
M3.4 |
147 km |
| Jul 8, 2016 |
3 km NE of Dibble, Oklahoma |
M3.4 |
145 km |
| Sep 23, 2013 |
4 km WNW of Marietta, Oklahoma |
M3.4 |
54 km |
| Aug 7, 2024 |
9 km N of Stonewall, Oklahoma |
M3.4 |
76 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
705 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 67 fatalities, 780 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 2, 1982 |
EF5 |
95 km |
0 |
| Apr 27, 2024 |
EF4 |
53 km |
1 |
| Nov 4, 2022 |
EF4 |
93 km |
0 |
| May 9, 2016 |
EF4 |
90 km |
1 |
| Feb 10, 2009 |
EF4 |
96 km |
8 |
| May 11, 1992 |
EF4 |
97 km |
0 |
| Apr 2, 1982 |
EF4 |
100 km |
10 |
| May 13, 1981 |
EF4 |
88 km |
0 |
| Apr 19, 1972 |
EF4 |
95 km |
5 |
| Apr 27, 1966 |
EF4 |
30 km |
0 |
| May 4, 1960 |
EF4 |
82 km |
0 |
| May 9, 1959 |
EF4 |
62 km |
7 |
| Apr 2, 1957 |
EF4 |
8 km |
2 |
| Apr 2, 1957 |
EF4 |
21 km |
3 |
| May 25, 2024 |
EF3 |
80 km |
0 |
| Apr 27, 2024 |
EF3 |
59 km |
1 |
| Apr 30, 2019 |
EF3 |
37 km |
2 |
| May 9, 2016 |
EF3 |
37 km |
1 |
| May 9, 2016 |
EF3 |
56 km |
0 |
| May 9, 2016 |
EF3 |
76 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: LOCO-HEALDTON (56,584 ac, 2009).
| Year |
Name |
Acres |
Distance |
| 2009 |
LOCO-HEALDTON |
56,584 |
83 km |
| 1991 |
ARBUCKLE |
29,823 |
63 km |
| 2021 |
WINDMILL |
28,410 |
72 km |
| 2009 |
RATCLIFF CITY-TATUMS |
23,099 |
94 km |
| 2009 |
BRUSHY MOUNTAIN |
18,412 |
66 km |
| 2011 |
UNNAMED |
17,973 |
95 km |
| 2005 |
UNNAMED |
15,416 |
78 km |
| 2006 |
RATLIFF CITY |
12,435 |
89 km |
| 2004 |
UNNAMED |
12,163 |
86 km |
| 2005 |
UNNAMED |
10,935 |
67 km |
| 2000 |
UNNAMED |
9,943 |
66 km |
| 2017 |
CHOCKIE FIRE |
8,574 |
87 km |
| 2005 |
PINE SPRINGS |
7,709 |
83 km |
| 1988 |
UNNAMED |
7,228 |
59 km |
| 2006 |
MILL CREEK |
6,577 |
74 km |
| 1996 |
TURNPIKE MVD |
5,912 |
59 km |
| 2005 |
CALLISBURG |
5,797 |
56 km |
| 1994 |
UNNAMED |
5,677 |
79 km |
| 1996 |
UNNAMED |
5,370 |
96 km |
| 2005 |
ACHILLE |
4,958 |
30 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
41°F (5°C) |
1.7 in |
Coldest, Driest |
| February |
45°F (7°C) |
2.4 in |
|
| March |
53°F (12°C) |
3.4 in |
|
| April |
62°F (17°C) |
3.7 in |
|
| May |
70°F (21°C) |
5.2 in |
Wettest |
| June |
78°F (25°C) |
4.3 in |
|
| July |
84°F (29°C) |
2.6 in |
Warmest |
| August |
82°F (28°C) |
2.5 in |
|
| September |
75°F (24°C) |
4.8 in |
|
| October |
64°F (18°C) |
4.3 in |
|
| November |
53°F (11°C) |
2.9 in |
|
| December |
44°F (7°C) |
2.2 in |
|
Cumberland has a seasonal temperature swing of 43°F / from 41°F in January to 84°F in July. Total annual precipitation is 39.9 inches, with May being the wettest month (5.2") and January the driest (1.7").
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) |
$220 ($132–$351) |
| Specialist Visit |
$307 ($176–$483) |
| Urgent Care Visit |
$176 ($88–$307) |
| Emergency Room Visit |
$1,932 ($702–$4,390) |
| Dental Cleaning |
$114 ($66–$176) |
| Dental Filling |
$220 ($132–$351) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$40 ($22–$66) |
| Oil Change (Synthetic) |
$66 ($44–$105) |
| Brake Pad Replacement |
$263 ($132–$439) |
| Tire Rotation |
$35 ($18–$66) |
| New Tires (Set of 4) |
$527 ($351–$878) |
| Battery Replacement |
$176 ($88–$307) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$88 ($53–$132) |
| Electrician (Per Hour) |
$79 ($44–$123) |
| HVAC Repair |
$351 ($132–$702) |
| HVAC System Install |
$6,146 ($3,512–$10,536) |
| Roof Repair |
$878 ($351–$1,756) |
| Roof Replacement |
$7,902 ($4,829–$13,170) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,317 ($439–$3,073) |
| Divorce (Contested) |
$13,170 ($4,390–$26,340) |
| DUI Defense |
$4,390 ($1,756–$8,780) |
| Bankruptcy (Chapter 7) |
$1,317 ($702–$2,634) |
| Will Preparation |
$439 ($176–$878) |
| Trust Preparation |
$2,195 ($878–$4,390) |
View all 12 services
Personal Care
| Men's Haircut |
$22 ($13–$40) |
| Women's Haircut |
$48 ($26–$88) |
| Hair Coloring (Full) |
$132 ($66–$220) |
| Manicure |
$22 ($13–$40) |
| Pedicure |
$35 ($22–$57) |
| Massage (1 Hour) |
$70 ($44–$114) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.60 ($2.63–$4.83) |
| Dozen Eggs (per dozen) |
$3.07 ($2.20–$4.39) |
| Loaf of Bread |
$3.34 ($2.20–$4.83) |
| Chicken Breast (per lb) |
$3.95 ($2.63–$5.71) |
| Ground Beef (per lb) |
$4.83 ($3.51–$6.59) |
| Rice (per lb) |
$0.88 ($0.53–$1.58) |
View all 20 services
Utilities
| Electricity (Monthly) |
$123 ($70–$220) |
| Natural Gas (Monthly) |
$61 ($26–$132) |
| Water/Sewer (Monthly) |
$61 ($35–$105) |
| Internet (Monthly) |
$61 ($35–$88) |
| Cell Phone Plan (Monthly) |
$57 ($26–$88) |
| Cable TV (Monthly) |
$75 ($44–$132) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$176 ($66–$439) |
| Car Insurance (Annual) |
$1,756 ($1,054–$3,073) |
| Bus Pass (Monthly) |
$61 ($26–$114) |
| Taxi/Uber (5-Mile Ride) |
$13 ($7.02–$22) |
| Car Registration (Annual) |
$88 ($26–$220) |
| Driver's License Renewal |
$26 ($13–$66) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,054 ($527–$2,195) |
| Daycare (Toddler, Monthly) |
$878 ($439–$1,756) |
| After-School Care (Monthly) |
$351 ($176–$615) |
| Tutoring (Per Hour) |
$44 ($22–$88) |
| SAT/ACT Prep Course |
$878 ($351–$2,195) |
| Private School (K-12, Annual) |
$10,975 ($4,390–$26,340) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$53 ($26–$88) |
| Dog Vaccination (Annual) |
$88 ($44–$176) |
| Dog Grooming |
$53 ($26–$88) |
| Pet Boarding (Per Night) |
$35 ($18–$66) |
| Dog Spay/Neuter |
$263 ($132–$439) |
| Cat Spay/Neuter |
$176 ($88–$351) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $885 |
| Toddler | $765 |
| Preschool | $765 |
| Family Childcare (monthly) |
| Infant | $643 |
| Toddler | $591 |
| Preschool | $591 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Cumberland
What is the population of Cumberland?
Cumberland has a population of 733 residents and is located in Oklahoma. The population density is 577 people per square mile, spread across 1.3 square miles. The median age of residents is 58.2 years, which is older than the national median of 38.9 years. The population is 53.2% female and 46.8% male.
Is Cumberland expensive to live in?
Cumberland is more affordable than the national average, with a cost of living index of 87.8 / below the baseline of 100. The median household income is $58,993, 21% below the national average of $75,149. The median home value is $178,300 (37% below the U.S. median). The home price-to-income ratio is 3x, 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 62 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 62 per 100,000 (below the national average). Overall, Cumberland receives a safety grade of F based on combined crime data.
What is the weather like in Cumberland?
Cumberland enjoys a temperate climate with an average annual temperature of 63°F (17°C). Winter temperatures average 41°F in January, while summers reach an average of 84°F in July. The area receives 310 sunny days per year, well above the national average of 205. Annual rainfall totals 41.4 inches, with 2.3 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 45.
How is the job market in Cumberland?
Cumberland has a healthy job market with an unemployment rate of 4.3%, near the national average of 3.6%. The average weekly wage is $944. There are 362 business establishments in the area, including 46 restaurants and food service locations. The average commute time is 21 minutes, and 13.1% of workers work from home.
How much does housing cost in Cumberland?
The median home value in Cumberland is $178,300. Zillow estimates the typical home value at $260,074. The homeownership rate is 91.7%. The average annual property tax is $2,234.
How are the schools in Cumberland?
Schools in Cumberland score 5.2 out of 10 on standardized testing, near the national average. 43.0% of adults in Cumberland hold a bachelor's degree or higher, above the national average of 33.7%. 92.4% have completed high school. 2.6% hold a graduate or professional degree.
How healthy is Cumberland?
The obesity rate in Cumberland is 38.2% (above the national rate of 32.1%). 18.3% of adults are smokers. 31.5% are physically inactive. 27.0% of residents report depression. 10.7% lack health insurance (above the national rate). 61.5% of residents have access to exercise opportunities. The primary care physician ratio is 1:3,899.
What is transportation like in Cumberland?
The average commute in Cumberland is 21 minutes, shorter than the national average of 28 minutes. 77% of workers drive alone to work, and 13.1% work from home.
What are the demographics of Cumberland?
The racial and ethnic makeup of Cumberland is 79% White, 16.9% Hispanic or Latino. 92.8% of residents speak only English at home, while 7.2% speak Spanish. 17.5% of the population are military veterans. 26.4% of residents have a disability. 86.6% have health insurance coverage.
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