Cost of Living in Cumberland County, Kentucky
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Cumberland County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Cumberland County ranks #57 of 3,144 counties for affordability (top 2%)
Data Story
About Cost of Living in Cumberland County, Kentucky
Cumberland County Housing Costs Are Modest
Cumberland County renters spend just 16.7% of their income on housing, below Kentucky's 17% state average and comfortably within the 30% national affordability threshold. At $553 monthly rent and $39,662 median household income, this rural county keeps housing affordable despite limited local wages.
Among Kentucky's Most Affordable Counties
Cumberland County's 16.7% rent-to-income ratio places it well below the state average, ranking among Kentucky's most affordable counties. The county achieves this through exceptionally low rents rather than high incomes, reflecting its rural character.
Cheapest Rents in Its Peer Group
Cumberland County's $553 rent is the lowest in this eight-county comparison, undercutting even Elliott County's $427 average in some neighborhoods. Only Elliott County offers cheaper housing, making Cumberland the second-most-affordable option for renters.
Homeownership and Renting Both Very Affordable
Renters pay $553 monthly while homeowners spend $485, with median home values reaching $128,600. At 16.7% of income devoted to housing, Cumberland households retain strong purchasing power for food, healthcare, and other essentials.
Extreme Budget Relocators Should Look Here
If you're relocating on a tight budget, Cumberland County's $553 median rent and $485 homeowner costs are among the lowest in the state. Compare this county's ultra-affordable housing to Elliott County and Clinton County to find the deepest discounts in rural Kentucky.
Cost of Living Advisory: Cumberland County
Affordability Verdict
Cumberland County offers affordable rental housing at a median of $553/month — about 16.7% of the typical household income here.
Rent vs. Own
Renters in Cumberland County pay $553/month on average, compared to $485/month for homeowners. This market favors buyers by about 12%.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $22,120/year. For owner costs at the 28% rule, the required income is roughly $20,786/year. With a median household income of $39,662, most households can comfortably afford rent here. Notably, 23.0% of renter households in Cumberland County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Cumberland County sits 10% less expensive than Green County ($612/month) in terms of median gross rent.
Affordability Calculator
See how your income compares to housing costs in Cumberland County
Rent Burden
16.7%
of gross income
Max Housing (28% Rule)
$925
per month
Owner Cost Burden
14.7%
of gross income
The median home in Cumberland County may be a stretch
Median home value is $128,600. Estimated monthly cost: $1,027 vs. your max of $925.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
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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 (2019-2023) — Informational only. Not financial or legal advice.
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