Cost of Living in Cumberland County, North Carolina
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 #2,566 of 3,142 counties for affordability (bottom 18%)
Sourced county brief
Cumberland County Rent Burden GRAPI Measured at 31.1 Percent
The official rent burden GRAPI in Cumberland County is 31.1%, which is 2.2 percentage points higher than the North Carolina unweighted county mean of 28.9%. This canonical rent-to-income percentage is the official ACS B25071 estimate. The median gross rent for the county is $1,222 per month, placing it $245 above the state unweighted county mean of $977. For owner-occupied housing units, the median selected monthly owner cost was estimated at $1,152, while the state unweighted county mean is $927. The median home value is $199,200, which is $36,112 below the state unweighted county mean of $235,312. Additionally, the median income for renter households in Cumberland County is $46,059. All reported data points are sourced from the U.S. Census Bureau ACS 2020-2024 5-Year Estimates. 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 31.1% 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 $1,222 per month; median selected monthly owner costs are $1,152. These ACS medians describe different tenure groups and are not a personalized rent-versus-buy calculation.
Income Needed
Using the common 30% budgeting benchmark, $48,880 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 North Carolina unweighted mean of county median rents is $977 per month. Cumberland County's $1,222 median is 25.1% above 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
23.9%
of gross income
Max Housing (28% Rule)
$1,430
per month
Owner Cost Burden
22.6%
of gross income
The median home in Cumberland County may be a stretch
Median home value is $199,200. Estimated monthly cost: $1,590 vs. your max of $1,430.
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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