Median Income
$47,773
36% lower than US avg
Home Value
$173,900
38% lower than US avg
Violent Crime
0/100K
100% lower than US avg
Bachelor's+
28.6%
15% lower than US avg
Median Rent
$901
23% lower than US avg
Obesity Rate
39.6%
23% higher than US avg
Unemployment
4.3%
19% higher than US avg
Poverty Rate
24.3%
96% higher than US avg
How Cumberland Compares to the U.S. Average (100% = U.S. avg)
People
Population2,389
Median Age41.5 yrs
Density574/mi²
Male / Female49% / 51%
Largest GroupWhite 92%
Veterans10.2%
Economy
C+
Median Income$47,773
Per Capita$30,596
Unemployment4.3%
Poverty24.3%
County GDP$2,185M
Commute20 min
Housing
A+
Home Value$173,900
Rent$901
Ownership63.0%
Zillow$311,823
Housing Units1,199
Rent Burden31.3%
Crime
Violent0/100K
Property0/100K
Murder0.0/100K
Assault0/100K
Burglary0/100K
Health
Obesity39.6%
Uninsured9.3%
Smoking16.8%
Depression26.3%
Heart Disease6.0%
Climate
Avg Temp41°F (5°C)
AQI38 (Good)
Rain33.8 in/yr
Sunny Days270/yr
Elevation1,255 ft (383 m)
Education
B
Bachelor's+28.6%
High School+93.7%
Graduate+8.3%
School Score6.12
Community
2024 VoteR 65% / D 34%
Commute20 min
Broadband83.5%
EV Stations1
Libraries10
Is Cumberland a Good Place to Live?
Based on current data, Cumberland receives an overall livability score of 3.5 out of 5.0, earning a grade of B+. Key strengths include low crime rates, affordable housing, abundant sunshine, high health insurance coverage. Areas to be aware of include an elevated poverty rate, below-average incomes, high obesity rates. 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 $47,773, 36% below the national average of $75,149. Unemployment stands at 4.3%, indicating a healthy job market. The poverty rate of 24.3% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 20 minutes.
Cost of Living & Housing
The median home value in Cumberland is $173,900, 38% below the national median / offering relatively affordable homeownership. Renters pay a median of $901 per month, below the national average / a plus for affordability. A price-to-income ratio of 3.6x indicates a reasonably affordable housing market.
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 0 per 100,000, 100% below the national average.
Education
28.6% of residents hold a bachelor's degree, below the national average of 33.7%. 93.7% have completed high school. Local schools score 6.1/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
Cumberland has a cool climate with an average annual temperature of 41°F. Winters average 10°F in January while summers reach 69°F in July. With 270 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 33.8 inches, including 55.6 inches of snow. Air quality is rated Good with a median AQI of 38.
Cumberland has a population of 2,389 with a density of 574 people per square mile, spread across 4.0 square miles. The median age is 41.5 years, 7% older than the national median of 38.9. The gender split is 51.4% female and 48.6% male. The city is predominantly White (92.4%), with 2.1% Hispanic. English is the primary language spoken at home by 89.2% of residents, while 10.8% speak Spanish. 10.2% of the population are veterans, above the national rate of 6.0%. 12.4% of residents have a disability. 93.8% have health insurance coverage.
Population
41.5yrs
Median Age
7% above US avg
Race & Ethnicity
Cumberland vs U.S. Average
Language Spoken at Home
English Only
89.2%
14% above US avg
Spanish
10.8%
19% below US avg
Social Characteristics
Cumberland vs U.S. Average
The median household income in Cumberland is $47,773, which is 36% below the national average of $75,149. Per capita income is $30,596 (below the $39,052 national figure). The average weekly wage is $919, 36% lower than the U.S. average. The unemployment rate is 4.3% (above the 3.6% US average). 24.3% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 1,311 business establishments, including 136 restaurants. The cost of living index is 94.1, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 20 minutes (shorter than the 28-minute US average). 3.5% of workers work from home (below the 15.2% national rate).
Income: Cumberland vs U.S.
Income
| Median HH Income | $47,773 |
| 36% below US avg |
| Per Capita Income | $30,596 |
| Avg Weekly Wage | $919 |
| IRS Avg AGI | $72,536 |
| Gini Index | 0.401 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 4.3% |
| 19% above US avg |
| Poverty Rate | 24.3% |
| 96% above US avg |
| Establishments (County) | 1,311 |
| County GDP | $2,185M |
Business (County)
| Restaurants | 136 |
| Healthcare | 106 |
| Retail | 164 |
| Manufacturing | 95 |
Tax & Cost of Living
| Property Tax (IRS) | $5,702 |
| 63% above US avg |
| Cost of Living | 94.10 (100=avg) |
| Effective Tax Rate | 3.28% |
Commute & Transportation
| Commute Time | 20.3 min |
| Drive Alone | 80.9% |
| Public Transit | 0.5% |
| Work from Home | 3.5% |
The median home value in Cumberland is $173,900, 38% below the national median of $281,900. Zillow estimates the typical home value at $311,823, higher than the Census estimate. Monthly rent averages $901 (23% below the national average of $1,163). Fair market rent ranges from $872 for a one-bedroom to $1,097 for a two-bedroom apartment. 63.0% of housing units are owner-occupied. There are 1,199 total housing units in the city. The median year a home was built is 1977. The average annual property tax is $5,702 (higher than the $3,500 national average). 31.3% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 3.6x.
Home Values
| Census Median | $173,900 |
| 38% below US avg |
| Zillow ZHVI | $311,823 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $901 |
| 23% below US avg |
| Rent Burden | 31.3% |
HUD Fair Market Rent
| Studio | $797 |
| 1 Bedroom | $872 |
| 2 Bedrooms | $1,097 |
| 3 Bedrooms | $1,405 |
| 4 Bedrooms | $1,572 |
Ownership & Property
| Homeownership | 63.0% |
| Owner-Occupied | 63.0% |
| Renter-Occupied | 37.0% |
| Housing Units | 1,199 |
| Median Year Built | 1977 |
Property Tax
| Avg Tax (IRS) | $5,702 |
| 63% above US avg |
| Effective Rate | 3.28% |
In Cumberland, 39.6% of adults are obese, above the national rate of 32.1%. 10.5% have diabetes. Heart disease affects 6.0% of residents. 30.0% have high blood pressure. 16.8% are current smokers. 21.1% report binge drinking. 29.1% are physically inactive, above the national average. 26.3% report depression (above the 20.0% national average). 18.3% experience frequent mental distress. 9.3% of residents lack health insurance. The primary care physician ratio is 1:1,262. The dentist ratio is 1:1,693. 65.3% of residents have access to exercise opportunities. The food environment index is 9.0 out of 10.
Health Metrics: Cumberland vs U.S. Average (%)
Chronic Conditions
| Obesity | 39.6% |
| 23% above US avg |
| Diabetes | 10.5% |
| Heart Disease | 6.0% |
| High Blood Pressure | 30.0% |
| Asthma | 11.4% |
| COPD | 6.9% |
| Cancer | 7.1% |
| Stroke | 3.2% |
Behaviors & Mental Health
| Smoking | 16.8% |
| 20% above US avg |
| Binge Drinking | 21.1% |
| Physical Inactivity | 29.1% |
| Depression | 26.3% |
| Mental Distress | 18.3% |
| Physical Distress | 13.8% |
| Short Sleep | 34.2% |
Healthcare Access
| Insurance Rate | 93.8% |
| Uninsured | 9.3% |
| 8% above US avg |
| Primary Care | 1:1,262 |
| Dentists | 1:1,693 |
| Mental Health | 1:462 |
| Checkup Rate | 74.7% |
| Dental Visits | 58.3% |
| Premature Death | 7,642/100K |
Food & Exercise
| Food Environment | 9.0/10 |
| Exercise Access | 65.3% |
| Healthcare Facilities | 106 |
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 0 per 100,000, 100% below the U.S. average. This includes larceny/theft at 0, burglary at 0, vehicle theft at 0 per 100,000 residents. The county recorded 6 fatal traffic crashes.
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 | 0.0/100K |
| 100% below US avg |
| Burglary | 0.0/100K |
| Theft | 0.0/100K |
| Vehicle Theft | 0.0/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 6 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
Cumberland has a cool climate with an average annual temperature of 41°F (5°C). Winters average 10°F in January while summers reach 69°F in July. The area gets 270 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 33.8 inches. The area receives 55.6 inches of snow annually, making winter weather a significant factor for residents. Air quality is rated Good with a median AQI of 38. The city sits at an elevation of 1,255 feet.
Temperature
10°F Jan (-12°C)
69°F Jul (21°C)
| Annual Average | 41.3°F |
| 24% below US avg |
| January Average | 10°F (-12°C) |
| July Average | 69°F (21°C) |
| Sunny Days | 270 days/yr |
Geography
| Elevation | 1,255 ft (383 m) |
| Area | 4.0 sq mi (10.5 km²) |
| Population Density | 574/sq mi |
| Coordinates | 45.5361°N, 92.0248°W |
| Timezone | America/Chicago |
| County | Polk County County |
| Nearest Airport | Rice Lake Regional/Carl's Field (RIE)
15 miles away |
Precipitation & Snow
Annual Rainfall
33.8"
11% below US avg
Wettest Month (Aug)
4.45"
Air Quality
| AQI Median | 38.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 63.3 / 100 |
| Social Vulnerability | 40.0 / 100 |
| Community Resilience | 55.9 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively High |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Moderate |
| Ice Storm |
Relatively Low |
| Drought |
Very Low |
| Cold Wave |
Relatively High |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Tornado History
266 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 39 fatalities, 372 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 4, 1958 |
EF5 |
75 km |
21 |
| Jul 30, 1977 |
EF4 |
62 km |
0 |
| Jun 4, 1958 |
EF4 |
80 km |
3 |
| May 21, 1957 |
EF4 |
66 km |
0 |
| Sep 24, 2019 |
EF3 |
79 km |
0 |
| May 16, 2017 |
EF3 |
33 km |
1 |
| May 25, 2008 |
EF3 |
89 km |
1 |
| Sep 2, 2002 |
EF3 |
70 km |
0 |
| Jun 18, 2001 |
EF3 |
56 km |
2 |
| Jul 15, 1980 |
EF3 |
88 km |
1 |
| Jul 30, 1977 |
EF3 |
44 km |
0 |
| Jun 4, 1958 |
EF3 |
93 km |
0 |
| May 24, 1958 |
EF3 |
84 km |
0 |
| Jun 23, 1952 |
EF3 |
49 km |
2 |
| Jul 1, 2011 |
EF2 |
87 km |
0 |
| Jul 14, 2010 |
EF2 |
96 km |
0 |
| Jul 14, 2010 |
EF2 |
90 km |
0 |
| Jun 17, 2010 |
EF2 |
69 km |
0 |
| May 30, 1998 |
EF2 |
76 km |
0 |
| Jun 15, 1997 |
EF2 |
85 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
8 wildfires (100+ acres) within 100 km.
Largest: GERMANN ROAD FIRE (6,751 ac, 2013).
| Year |
Name |
Acres |
Distance |
| 2013 |
GERMANN ROAD FIRE |
6,751 |
94 km |
| 2009 |
UNNAMED |
2,904 |
90 km |
| 2024 |
RX-86_FY23 |
2,187 |
58 km |
| 2000 |
UNNAMED |
1,850 |
68 km |
| 1990 |
UNNAMED |
1,371 |
97 km |
| 1985 |
UNNAMED |
1,068 |
95 km |
| 2013 |
CRANBERRY FIRE |
779 |
58 km |
| 2024 |
RX-64 |
553 |
58 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
10°F (-12°C) |
1.0 in |
Coldest |
| February |
16°F (-9°C) |
0.9 in |
Driest |
| March |
28°F (-2°C) |
1.8 in |
|
| April |
43°F (6°C) |
2.6 in |
|
| May |
56°F (13°C) |
3.4 in |
|
| June |
64°F (18°C) |
4.3 in |
|
| July |
69°F (21°C) |
4.0 in |
Warmest |
| August |
67°F (19°C) |
4.5 in |
Wettest |
| September |
57°F (14°C) |
4.1 in |
|
| October |
46°F (8°C) |
2.7 in |
|
| November |
30°F (-1°C) |
1.8 in |
|
| December |
15°F (-9°C) |
1.3 in |
|
Cumberland has a seasonal temperature swing of 60°F / from 10°F in January to 69°F in July. Total annual precipitation is 32.3 inches, with August being the wettest month (4.5") and February the driest (0.9").
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) |
$235 ($141–$376) |
| Specialist Visit |
$329 ($188–$518) |
| Urgent Care Visit |
$188 ($94–$329) |
| Emergency Room Visit |
$2,070 ($753–$4,705) |
| Dental Cleaning |
$122 ($71–$188) |
| Dental Filling |
$235 ($141–$376) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$42 ($24–$71) |
| Oil Change (Synthetic) |
$71 ($47–$113) |
| Brake Pad Replacement |
$282 ($141–$471) |
| Tire Rotation |
$38 ($19–$71) |
| New Tires (Set of 4) |
$565 ($376–$941) |
| Battery Replacement |
$188 ($94–$329) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$94 ($56–$141) |
| Electrician (Per Hour) |
$85 ($47–$132) |
| HVAC Repair |
$376 ($141–$753) |
| HVAC System Install |
$6,587 ($3,764–$11,292) |
| Roof Repair |
$941 ($376–$1,882) |
| Roof Replacement |
$8,469 ($5,176–$14,115) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,412 ($471–$3,294) |
| Divorce (Contested) |
$14,115 ($4,705–$28,230) |
| DUI Defense |
$4,705 ($1,882–$9,410) |
| Bankruptcy (Chapter 7) |
$1,412 ($753–$2,823) |
| Will Preparation |
$471 ($188–$941) |
| Trust Preparation |
$2,353 ($941–$4,705) |
View all 12 services
Personal Care
| Men's Haircut |
$24 ($14–$42) |
| Women's Haircut |
$52 ($28–$94) |
| Hair Coloring (Full) |
$141 ($71–$235) |
| Manicure |
$24 ($14–$42) |
| Pedicure |
$38 ($24–$61) |
| Massage (1 Hour) |
$75 ($47–$122) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.86 ($2.82–$5.18) |
| Dozen Eggs (per dozen) |
$3.29 ($2.35–$4.71) |
| Loaf of Bread |
$3.58 ($2.35–$5.18) |
| Chicken Breast (per lb) |
$4.23 ($2.82–$6.12) |
| Ground Beef (per lb) |
$5.18 ($3.76–$7.06) |
| Rice (per lb) |
$0.94 ($0.56–$1.69) |
View all 20 services
Utilities
| Electricity (Monthly) |
$132 ($75–$235) |
| Natural Gas (Monthly) |
$66 ($28–$141) |
| Water/Sewer (Monthly) |
$66 ($38–$113) |
| Internet (Monthly) |
$66 ($38–$94) |
| Cell Phone Plan (Monthly) |
$61 ($28–$94) |
| Cable TV (Monthly) |
$80 ($47–$141) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$188 ($71–$471) |
| Car Insurance (Annual) |
$1,882 ($1,129–$3,294) |
| Bus Pass (Monthly) |
$66 ($28–$122) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.53–$24) |
| Car Registration (Annual) |
$94 ($28–$235) |
| Driver's License Renewal |
$28 ($14–$71) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,129 ($565–$2,353) |
| Daycare (Toddler, Monthly) |
$941 ($471–$1,882) |
| After-School Care (Monthly) |
$376 ($188–$659) |
| Tutoring (Per Hour) |
$47 ($24–$94) |
| SAT/ACT Prep Course |
$941 ($376–$2,353) |
| Private School (K-12, Annual) |
$11,763 ($4,705–$28,230) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$56 ($28–$94) |
| Dog Vaccination (Annual) |
$94 ($47–$188) |
| Dog Grooming |
$56 ($28–$94) |
| Pet Boarding (Per Night) |
$38 ($19–$71) |
| Dog Spay/Neuter |
$282 ($141–$471) |
| Cat Spay/Neuter |
$188 ($94–$376) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $788 |
| Toddler | $736 |
| Preschool | $736 |
| Family Childcare (monthly) |
| Infant | $650 |
| Toddler | $617 |
| Preschool | $617 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Cumberland
What is the population of Cumberland?
Cumberland has a population of 2,389 residents and is located in Wisconsin. The population density is 574 people per square mile, spread across 4.0 square miles. The median age of residents is 41.5 years, which is older than the national median of 38.9 years. The population is 51.4% female and 48.6% male.
Is Cumberland expensive to live in?
Cumberland is more affordable than the national average, with a cost of living index of 94.1 / below the baseline of 100. The median household income is $47,773, 36% below the national average of $75,149. The median home value is $173,900 (38% below the U.S. median). Renters pay a median of $901 per month, below the national average of $1,163. The home price-to-income ratio is 3.6x, 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 0 per 100,000 (below the national average).
What is the weather like in Cumberland?
Cumberland has a cool climate with an average annual temperature of 41°F (5°C). Winter temperatures average 10°F in January, while summers reach an average of 69°F in July. The area receives 270 sunny days per year, well above the national average of 205. Annual rainfall totals 33.8 inches, with 55.6 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 38.
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 $919. There are 1,311 business establishments in the area, including 136 restaurants and food service locations. The average commute time is 20 minutes, and 3.5% of workers work from home.
How much does housing cost in Cumberland?
The median home value in Cumberland is $173,900. Zillow estimates the typical home value at $311,823. For renters, the median monthly rent is $901. Fair market rent is $872 for a 1-bedroom and $1,097 for a 2-bedroom apartment. The homeownership rate is 63.0%. The average annual property tax is $5,702.
How are the schools in Cumberland?
Schools in Cumberland score 6.1 out of 10 on standardized testing, near the national average. 28.6% of adults in Cumberland hold a bachelor's degree or higher, below the national average of 33.7%. 93.7% have completed high school. 8.3% hold a graduate or professional degree.
How healthy is Cumberland?
The obesity rate in Cumberland is 39.6% (above the national rate of 32.1%). 16.8% of adults are smokers. 29.1% are physically inactive. 26.3% of residents report depression. 9.3% lack health insurance. 65.3% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,262.
What is transportation like in Cumberland?
The average commute in Cumberland is 20 minutes, shorter than the national average of 28 minutes. 80.9% of workers drive alone to work, and 3.5% work from home.
What are the demographics of Cumberland?
The racial and ethnic makeup of Cumberland is 92.4% White, 2.1% Hispanic or Latino. 89.2% of residents speak only English at home, while 10.8% speak Spanish. 10.2% of the population are military veterans. 12.4% of residents have a disability. 93.8% have health insurance coverage.
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