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)
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 #2,683 of 3,142 counties for affordability (bottom 15%)
Sourced county brief
Cumberland County Median Home Value Reaches 277,600 Dollars
The median home value in Cumberland County was $277,600, which is $65,521 higher than the Pennsylvania unweighted county mean of $212,079. Median selected monthly owner costs for all owner-occupied units were $1,311, also above the state unweighted county mean of $1,010. Among renter-occupied households, the median gross rent was $1,249 per month, compared to the state unweighted county mean of $991. The official median gross rent as a percentage of household income (GRAPI) was 26.7%, which is 1.0 percentage point lower than the state unweighted county mean of 27.7%. Median renter-household income for the county was $56,464. This reporting utilizes data from the 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 26.7% of renter household income in Cumberland County, which is below the 30% affordability benchmark. This is a median percentage among renter-occupied units, not the share of households above a threshold.
Rent vs. Own
Median gross rent is $1,249 per month; median selected monthly owner costs are $1,311. These ACS medians describe different tenure groups and are not a personalized rent-versus-buy calculation.
Income Needed
Using the common 30% budgeting benchmark, $49,960 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 Pennsylvania unweighted mean of county median rents is $991 per month. Cumberland County's $1,249 median is 26.1% 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
17.1%
of gross income
Max Housing (28% Rule)
$2,042
per month
Owner Cost Burden
18.0%
of gross income
The median home in Cumberland County may be a stretch
Median home value is $277,600. Estimated monthly cost: $2,216 vs. your max of $2,042.
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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