Cost of Living in Cumberland County, Illinois
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
These figures are county medians, not a personal budget. Use them to frame rent, ownership, and income tradeoffs, then account for household size, commute, financing, insurance, taxes, debt, and local availability before making a decision.
How Cumberland County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Cumberland County ranks #942 of 3,142 counties for affordability (top 30%)
Sourced county brief
Cumberland County Median Gross Rent Estimated at $772
Median gross rent in Cumberland County, Illinois, was $772 per month, which is $95 below the Illinois unweighted county mean of $867. The official GRAPI was estimated at 24.4 percent, a difference of 1.7 percentage points compared to the state unweighted county mean of 26.1 percent. Median home value in the county was $126,000, while the state unweighted county mean was $153,020. Median selected monthly owner costs for all owner-occupied units were $767, compared to the state unweighted county mean of $960. Renter-household median income was recorded at $40,363. These data points provide a statistical snapshot of the county's housing expenses and renter incomes during the 2020-2024 period. See ACS table B25064 for the underlying estimate.
Source record
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25064 Median Gross Rent
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25071 GRAPI
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25077 Median Home Value
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25088 Selected Monthly Owner Costs
- U.S. Census Bureau ACS 2020-2024 5-Year Estimates — B25119 Household Income by Tenure
Data version acs5-2020-2024 · Method cost-brief-v1
Cost of Living Advisory: Cumberland County
Affordability Verdict
ACS B25071 estimates median gross rent at 24.4% of renter household income in Cumberland County, which is below the 30% affordability benchmark. This is a median percentage among renter-occupied units, not the share of households above a threshold.
Rent vs. Own
Median gross rent is $772 per month; median selected monthly owner costs are $767. These ACS medians describe different tenure groups and are not a personalized rent-versus-buy calculation.
Income Needed
Using the common 30% budgeting benchmark, $30,880 in annual gross income would allocate 30% to the county's median gross rent. This is a reproducible illustration, not evidence that a particular household can afford housing.
Regional Context
The Illinois unweighted mean of county median rents is $867 per month. Cumberland County's $772 median is 11.0% below that comparison value.
Data version acs5-2020-2024 · Method cost-advisory-v2
Affordability Calculator
See how your income compares to housing costs in Cumberland County
Rent Burden
12.6%
of gross income
Max Housing (28% Rule)
$1,711
per month
Owner Cost Burden
12.6%
of gross income
You can likely afford the median home in Cumberland County
Median home value is $126,000. Estimated monthly cost: $1,006 vs. your max of $1,711.
Rent Affordability Guide
Income Needed Calculator
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2020-2024). Data is informational only and is not personalized financial advice.
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