Cost of Living in Cumberland County, Pennsylvania
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, Pennsylvania
Cumberland's affordability anchored by strong income
Cumberland County's rent-to-income ratio of 16.6% matches the national strain point, but higher household income of $85,634—nearly $11,000 above the national median—allows residents to absorb higher housing costs. At $1,184 monthly rent, the county ranks among Pennsylvania's pricier markets, yet income growth maintains reasonable affordability.
Highest-income county with premium housing
Cumberland County boasts Pennsylvania's strongest median household income at $85,634, enabling residents to afford above-average housing costs; rents of $1,184 and median home values of $261,900 reflect a more affluent market. The county's 16.6% rent-to-income ratio stays near the state average despite these premium price points.
Pricier than rural regions, justified by income
Cumberland's $1,184 monthly rent and $261,900 median home value substantially exceed rural peers like Clearfield ($788 rent, $125,000 homes) or Elk ($720 rent, $128,600 homes). However, Cumberland's significantly higher median income of $85,634 versus Clearfield's $60,181 explains and supports these premium costs.
Strong income absorbs above-average housing
Renters dedicate roughly 17% of the $85,634 median household income to $1,184 monthly rent, while homeowners spend about 18% on mortgages averaging $1,302 on homes valued at $261,900. Both ratios remain manageable due to the county's strong income base.
Cumberland suits higher-income relocators
Cumberland offers Pennsylvania's strongest income foundation, making premium housing costs more accessible; median home prices near $262,000 and rents at $1,184 remain proportional to household earnings. Consider it if you're earning well above state average and value the amenities and job market that higher prices reflect.
Affordability Calculator
See how your income compares to housing costs in Cumberland County
Rent Burden
16.6%
of gross income
Max Housing (28% Rule)
$1,998
per month
Owner Cost Burden
18.2%
of gross income
The median home in Cumberland County may be a stretch
Median home value is $261,900. Estimated monthly cost: $2,091 vs. your max of $1,998.
Rent Affordability Guide
Frequently Asked Questions
What is the cost of living in Cumberland County, Pennsylvania?
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?
Planning a Move?
Researching the cost of living in Cumberland County, Pennsylvania? Compare moving quotes from top providers and save on your relocation.
Compare Moving QuotesCounties with Similar Housing Costs
Compare Mortgage Rates in Cumberland County
Whether you're buying your first home or refinancing, compare rates from top lenders to find the best deal.
See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.