Cumby, TX — City Data & Statistics

Median Income $57,679

23% lower than US avg

Home Value $91,000

68% lower than US avg

Violent Crime 0/100K

100% lower than US avg

Bachelor's+ 16.6%

51% lower than US avg

Median Rent $872

25% lower than US avg

Obesity Rate 34.7%

8% higher than US avg

Unemployment 3.9%

8% higher than US avg

Poverty Rate 15.7%

27% higher than US avg

How Cumby Compares to the U.S. Average (100% = U.S. avg)

People

Population743

Median Age38.7 yrs

Density774/mi²

Male / Female43% / 57%

Largest GroupWhite 92%

Veterans8.1%

Economy

Median Income$57,679

Per Capita$24,498

Unemployment3.9%

Poverty15.7%

County GDP$2,662M

Commute22 min

Housing

A+

Home Value$91,000

Rent$872

OwnershipN/A

Zillow$275,000

Housing Units326

Rent Burden26.6%

Crime

C+

Violent0/100K

Property256/100K

Murder0.0/100K

Assault0/100K

Burglary128/100K

Health

Obesity34.7%

Uninsured11.2%

Smoking14.3%

Depression26.3%

Heart Disease5.2%

Climate

Avg Temp65°F (18°C)

AQI42 (Good)

Rain46.5 in/yr

Sunny Days308/yr

Elevation636 ft (194 m)

Education

Bachelor's+16.6%

High School+87.6%

Graduate+2.4%

School Score5.10

Community

2024 VoteR 82% / D 17%

Commute22 min

Broadband81.4%

Libraries1

Is Cumby a Good Place to Live?

Based on current data, Cumby receives an overall livability score of 3.3 out of 5.0, earning a grade of B. Key strengths include low crime rates, affordable housing, abundant sunshine. Areas to be aware of include below-average incomes. Cumby offers a solid quality of life with a good balance of affordability, safety, and opportunity.

Economy & Jobs

The median household income in Cumby is $57,679, 23% below the national average of $75,149. Unemployment stands at 3.9%, indicating a healthy job market. The poverty rate of 15.7% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 22 minutes.

Cost of Living & Housing

The median home value in Cumby is $91,000, 68% below the national median — offering relatively affordable homeownership. Renters pay a median of $872 per month, below the national average — a plus for affordability. At just 1.6x median income, home prices are very affordable relative to local earnings.

Safety & Crime

Cumby 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 256 per 100,000, 87% below the national average.

Education

16.6% of residents hold a bachelor's degree, below the national average of 33.7%. 87.6% have completed high school. Area schools have an average test score of 5.1/10.

Climate & Weather

Cumby enjoys a moderate climate with an average annual temperature of 65°F. Winters average 45°F in January while summers reach 84°F in July. With 308 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 46.5 inches. Air quality is rated Good with a median AQI of 42.

Cumby has a population of 743 with a density of 774 people per square mile, spread across 1.0 square miles. The median age is 38.7 years, 1% younger than the national median of 38.9. The gender split is 56.9% female and 43.1% male. The city is predominantly White (92.2%), with 3.9% Black. English is the primary language spoken at home by 99% of residents. 8.1% of the population are veterans, above the national rate of 6.0%. 17.3% of residents have a disability (above the 13.0% national average). 87.2% have health insurance coverage.

Population

743

Total Population

774

People / sq mi

38.7yrs

Median Age

1% below US avg

1.0mi²

Land Area

Gender Distribution

Male 43.1%

Female 56.9%

Race & Ethnicity

Cumby vs U.S. Average

Language Spoken at Home

English Only	99.0%
	26% above US avg
Spanish	1.0%
	93% below US avg

Social Characteristics

Cumby vs U.S. Average

The median household income in Cumby is $57,679, which is 23% below the national average of $75,149. Per capita income is $24,498 (below the $39,052 national figure). The average weekly wage is $1,052, 27% lower than the U.S. average. The unemployment rate is 3.9% (above the 3.6% US average). 15.7% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 979 business establishments, including 68 restaurants. The cost of living index is 97.1, roughly in line with the national average. Workers commute an average of 22 minutes (shorter than the 28-minute US average). 4.5% of workers work from home (below the 15.2% national rate).

Income: Cumby vs U.S.

Commute Mode

Income

Median HH Income	$57,679
	23% below US avg
Per Capita Income	$24,498
Avg Weekly Wage	$1,052
IRS Avg AGI	$70,153

Employment & Poverty

Unemployment	3.9%
	8% above US avg
Poverty Rate	15.7%
	27% above US avg
Establishments (County)	979
County GDP	$2,662M

Business (County)

Restaurants	68
Healthcare	65
Retail	137
Manufacturing	43

Tax & Cost of Living

Property Tax (IRS)	$5,702
	63% above US avg
Cost of Living	97.10 (100=avg)
Effective Tax Rate	6.27%

Commute & Transportation

Commute Time	21.6 min
Drive Alone	87.7%
Public Transit	0.0%
Work from Home	4.5%

Walkability

The median home value in Cumby is $91,000, 68% below the national median of $281,900. Zillow estimates the typical home value at $275,000, higher than the Census estimate. Homes sell for 87.5% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $872 (25% below the national average of $1,163). Fair market rent ranges from $935 for a one-bedroom to $1,149 for a two-bedroom apartment. There are 326 total housing units in the city. The median year a home was built is 1971. The average annual property tax is $5,702 (higher than the $3,500 national average). 26.6% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.6x, well within the affordable range.

Home Value Sources

Ownership Split

Home Values

Census Median	$91,000
	68% below US avg
Zillow ZHVI	$275,000

Real Estate Market (Redfin)

$/Sq Ft	$61
Homes Sold	1
Sale-to-List Ratio	87.5%
Price Drops	50.0%
Inventory	2

Rental Costs

Census Median Rent	$872
	25% below US avg
Rent Burden	26.6%

HUD Fair Market Rent

Studio	$887
1 Bedroom	$935
2 Bedrooms	$1,149
3 Bedrooms	$1,497
4 Bedrooms	$1,733

Ownership & Property

Owner-Occupied	63.9%
Housing Units	326
Median Year Built	1971

Property Tax

Avg Tax (IRS)	$5,702
	63% above US avg
Effective Rate	6.27%

In Cumby, 34.7% of adults are obese, above the national rate of 32.1%. 9.3% have diabetes. Heart disease affects 5.2% of residents. 30.5% have high blood pressure. 14.3% are current smokers. 20.4% report binge drinking. 23.3% are physically inactive. 26.3% report depression (above the 20.0% national average). 19.2% experience frequent mental distress. 11.2% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:4,135. The dentist ratio is 1:3,150. 49.9% of residents have access to exercise opportunities. The food environment index is 7.0 out of 10.

Health Metrics: Cumby vs U.S. Average (%)

Chronic Conditions

Obesity	34.7%
	8% above US avg
Diabetes	9.3%
Heart Disease	5.2%
High Blood Pressure	30.5%
Asthma	10.5%
COPD	6.2%
Cancer	7.2%
Stroke	2.8%

Behaviors & Mental Health

Smoking	14.3%
	2% above US avg
Binge Drinking	20.4%
Physical Inactivity	23.3%
Depression	26.3%
Mental Distress	19.2%
Physical Distress	12.7%
Short Sleep	35.1%

Healthcare Access

Insurance Rate	87.2%
Uninsured	11.2%
	30% above US avg
Primary Care	1:4,135
Dentists	1:3,150
Mental Health	1:1,123
Checkup Rate	72.3%
Dental Visits	62.0%
Premature Death	10,186/100K

Food & Exercise

Food Environment	7.0/10
Exercise Access	49.9%
Healthcare Facilities	65

Cumby 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 256 per 100,000, 87% below the U.S. average. This includes larceny/theft at 0, burglary at 128, vehicle theft at 128 per 100,000 residents. The county recorded 14 fatal traffic crashes. The area has experienced 91 federally declared disasters. Overall, Cumby receives a safety grade of C+.

Crime Rates: Cumby 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	256.1/100K
	87% below US avg
Burglary	128.0/100K
Theft	0.0/100K
Vehicle Theft	128.0/100K
Arson	0.0/100K

Traffic Safety

Fatal Crashes (County/yr)	14
FEMA Disasters	91

Safety Score

Safety Grade	C+
Safety Score	2.5 / 5.0

Cumby enjoys a temperate climate with an average annual temperature of 65°F (18°C). Winters average 45°F in January while summers reach 84°F in July. The area gets 308 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 46.5 inches (wetter than the 38-inch national average). Air quality is rated Good with a median AQI of 42. The city sits at an elevation of 636 feet.

Temperature

45°F Jan (7°C) 84°F Jul (29°C)

Annual Average	64.9°F
	20% above US avg
January Average	45°F (7°C)
July Average	84°F (29°C)
Sunny Days	308 days/yr

Precipitation & Snow

Annual Rainfall	46.5 inches
	22% above US avg

Air Quality

AQI Median	42.0
Rating	Good

Geography

Elevation	636 ft (194 m)
Area	1.0 sq mi (2.5 km²)
Population Density	774/sq mi
Coordinates	33.1351°N, 95.8385°W
Timezone	America/Chicago
County	Hopkins County County
County FIPS	48223

Monthly Weather

Month	Avg Temperature	Precipitation	Summary
January	45°F (7°C)	2.5 in	Coldest
February	47°F (9°C)	3.3 in
March	55°F (13°C)	3.8 in
April	63°F (17°C)	4.1 in
May	71°F (21°C)	5.5 in	Wettest
June	78°F (26°C)	4.0 in
July	84°F (29°C)	2.8 in	Warmest
August	82°F (28°C)	2.1 in	Driest
September	76°F (24°C)	4.0 in
October	65°F (18°C)	4.5 in
November	54°F (12°C)	3.7 in
December	46°F (8°C)	3.4 in

Cumby has a seasonal temperature swing of 40°F — from 45°F in January to 84°F in July. Total annual precipitation is 43.8 inches, with May being the wettest month (5.5") and August the driest (2.1").

Cumby is located in Hopkins County. It is classified as Nonmetro — Urban 2.5K–20K, adjacent, a smaller urban community. 16.6% of adults hold a bachelor's degree or higher, 51% below the national average of 33.7%. 87.6% have completed high school. 2.4% hold a graduate or professional degree (below the 13.1% national rate). Area schools have an average test score of 5.1 out of 10. In the 2024 presidential election, the county voted Republican with 82% of the vote, a 64.6-point margin. 81.4% of households have broadband internet access. There are 1 public libraries serving the community. 65 healthcare facilities operate in the area. 87.7% of workers drive alone to work.

2024 Presidential Election (County)

R 82%

D 17.4%

Winner: Republican by 64.6 points

Education

Bachelor's Degree+	16.6%
	51% below US avg
High School+	87.6%
Graduate Degree+	2.4%
School Test Score	5.10

C Education Grade (2.3/5.0)

Urban-Rural Classification

RUCC Code 6	Nonmetro — Urban 2.5K–20K, adjacent
Population Density	774/sq mi
Total Area	1.0 sq mi
County	Hopkins County County

Infrastructure & Services

Broadband Access	81.4%
Public Libraries	1
Healthcare Facilities	65
Restaurants	68
Retail Stores	137

Safety & Disasters

Fatal Crashes (County/yr)	14
FEMA Disaster Declarations	91

C+ Safety Grade (2.5/5.0)

Commute & Transportation

Avg Commute	21.6 min
Drive Alone	87.7%
Public Transit	0.0%
Work from Home	4.5%

Frequently Asked Questions About Cumby

What is the population of Cumby?

Cumby has a population of 743 residents and is located in Texas. The population density is 774 people per square mile, spread across 1.0 square miles. The median age of residents is 38.7 years. The population is 56.9% female and 43.1% male.

Is Cumby expensive to live in?

Cumby has a cost of living roughly in line with the national average, with an index of 97.1 (baseline: 100). The median household income is $57,679, 23% below the national average of $75,149. The median home value is $91,000 (68% below the U.S. median). Renters pay a median of $872 per month, below the national average of $1,163. The home price-to-income ratio is 1.6x, indicating housing is reasonably affordable relative to local income levels.

Is Cumby safe?

Cumby 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 256 per 100,000 (below the national average). Overall, Cumby receives a safety grade of C+ based on combined crime data.

What is the weather like in Cumby?

Cumby enjoys a temperate climate with an average annual temperature of 65°F (18°C). Winter temperatures average 45°F in January, while summers reach an average of 84°F in July. The area receives 308 sunny days per year, well above the national average of 205. Annual rainfall totals 46.5 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 42.

How is the job market in Cumby?

Cumby has a healthy job market with an unemployment rate of 3.9%, near the national average of 3.6%. The average weekly wage is $1,052. There are 979 business establishments in the area, including 68 restaurants and food service locations. The average commute time is 22 minutes, and 4.5% of workers work from home.

How much does housing cost in Cumby?

The median home value in Cumby is $91,000. Zillow estimates the typical home value at $275,000. For renters, the median monthly rent is $872. Fair market rent is $935 for a 1-bedroom and $1,149 for a 2-bedroom apartment. The average annual property tax is $5,702.

How are the schools in Cumby?

Schools in Cumby score 5.1 out of 10 on standardized testing, near the national average. 16.6% of adults in Cumby hold a bachelor's degree or higher, below the national average of 33.7%. 87.6% have completed high school. 2.4% hold a graduate or professional degree.

How healthy is Cumby?

The obesity rate in Cumby is 34.7% (above the national rate of 32.1%). 14.3% of adults are smokers. 23.3% are physically inactive. 26.3% of residents report depression. 11.2% lack health insurance (above the national rate). 49.9% of residents have access to exercise opportunities. The primary care physician ratio is 1:4,135.

What is transportation like in Cumby?

The average commute in Cumby is 22 minutes, shorter than the national average of 28 minutes. 87.7% of workers drive alone to work, and 4.5% work from home.

What are the demographics of Cumby?

The racial and ethnic makeup of Cumby is 92.2% White, 3.9% Black or African American, 0.9% Hispanic or Latino. 99% of residents speak only English at home. 8.1% of the population are military veterans. 17.3% of residents have a disability. 87.2% have health insurance coverage.

Nearby Cities

Commerce, TX 9,211 pop · 8.1 mi Sulphur Springs, TX 16,185 pop · 13.0 mi Greenville, TX 29,936 pop · 15.8 mi Emory, TX 1,304 pop · 18.3 mi Cooper, TX 2,045 pop · 18.5 mi West Tawakoni, TX 2,057 pop · 19.9 mi Wolfe City, TX 1,201 pop · 21.0 mi Caddo Mills, TX 2,589 pop · 22.9 mi Quinlan, TX 1,514 pop · 23.1 mi Celeste, TX 1,084 pop · 23.2 mi Josephine, TX 4,498 pop · 28.1 mi Leonard, TX 2,468 pop · 29.1 mi Royse City, TX 17,357 pop · 29.7 mi Farmersville, TX 3,851 pop · 30.3 mi

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