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)
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 #2,746 of 3,142 counties for affordability (bottom 13%)
Sourced county brief
Cumberland County Renter Median Income Recorded at $39,965
The median renter-household income in Cumberland County was estimated at $39,965 according to the 2020-2024 American Community Survey. This accompanies an official Gross Rent as a Percentage of Household Income (GRAPI) of 32.9%. This official GRAPI value is 1.5 percentage points above the New Jersey unweighted county mean of 31.4%. The median gross rent for the county was $1,282, which is $353 below the state unweighted county mean of $1,635. For homeowners, the median home value was $221,400, and the median monthly owner cost was $1,414. These owner-related statistics are both lower than the state unweighted county means of $430,014 for home value and $2,126 for monthly owner costs. These figures represent a snapshot of census data and are not financial advice. See ACS table B25071 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 32.9% of renter household income in Cumberland County, which is between the 30% and 50% rent-burden benchmarks. This is a median percentage among renter-occupied units, not the share of households above a threshold.
Rent vs. Own
Median gross rent is $1,282 per month; median selected monthly owner costs are $1,414. These ACS medians describe different tenure groups and are not a personalized rent-versus-buy calculation.
Income Needed
Using the common 30% budgeting benchmark, $51,280 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 New Jersey unweighted mean of county median rents is $1,635 per month. Cumberland County's $1,282 median is 21.6% 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
22.8%
of gross income
Max Housing (28% Rule)
$1,574
per month
Owner Cost Burden
25.2%
of gross income
The median home in Cumberland County may be a stretch
Median home value is $221,400. Estimated monthly cost: $1,768 vs. your max of $1,574.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
$0/yr
Needed to stay within recommended threshold
$0/yr
Needed to stay within recommended threshold
$0/yr
Needed to stay within recommended threshold
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
What is the cost of living in Cumberland County, New Jersey?
What is the median rent in Cumberland County?
Is Cumberland County affordable?
How does Cumberland County's rent compare to the state average?
What is the median home value in Cumberland County?
Counties with Similar Housing Costs
Planning a Move?
Researching the cost of living in Cumberland County, New Jersey? Compare moving quotes from top providers and save on your relocation.
Compare Moving QuotesCompare Mortgage Rates in Cumberland County
Whether you're buying in Cumberland County, New Jersey, or refinancing, compare rates from top lenders using the terms each lender provides.
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.
CostByCounty participates in affiliate programs. We may earn a commission when you use our links, at no extra cost to you.