Cost of Living in Cumberland County, New Jersey
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
Data Story
About Cost of Living in Cumberland County, New Jersey
Cumberland County struggles with affordability pressure
Cumberland County residents spend 23.3% of household income on rent, significantly above the national average of 18.5% and among New Jersey's worst affordability ratios. The county's median household income of $64,499 falls 13.8% below the national median of $74,755, creating a squeeze where modest earnings meet substantial housing costs.
New Jersey's most unaffordable rental county
Cumberland County's 23.3% rent-to-income ratio ranks worst in New Jersey, towering above the state average of 19.1% by over 4 percentage points. With median household income the state's lowest, Cumberland residents face the steepest relative housing burden in the Garden State.
Cheapest rents mask deeper income crisis
Though Cumberland's $1,254 median rent is the lowest among South Jersey counties, the household income of $64,499 creates the worst affordability ratio in the region. Atlantic County's $76,819 income and Cape May's $88,046 income give those counties cushion; Cumberland lacks this safety net despite matching low rents.
Both renters and owners shoulder disproportionate burdens
Cumberland renters spend $1,254 monthly (23.3% of income) while homeowners pay $1,437 (26.7%)—two of New Jersey's highest burden rates. The county's median household income of $64,499 simply cannot comfortably absorb $15,000+ in annual housing costs.
Cumberland requires income stability and household support
Cumberland County's lowest home values ($205,600) and rents offer entry points for cost-conscious buyers, but median incomes here demand employment stability and household support systems. Families considering relocation should evaluate whether local job opportunities and salary potential justify the county's below-average income profile.
Affordability Calculator
See how your income compares to housing costs in Cumberland County
Rent Burden
23.3%
of gross income
Max Housing (28% Rule)
$1,505
per month
Owner Cost Burden
26.7%
of gross income
The median home in Cumberland County may be a stretch
Median home value is $205,600. Estimated monthly cost: $1,641 vs. your max of $1,505.
Rent Affordability Guide
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.