Cost of Living in Cumberland County, Tennessee

$829/mo

Median Monthly Rent

$228,000

Median Home Value

4% below state averageUnaffordable

At a Glance

Median Monthly Rent

$829/mo

4% below state average

Median Home Value

$228,000

19% below national

Rent-to-Income Ratio

23.0%

% of income spent on rent

Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)

Affordability Rating

Unaffordable

Rent over 50% of income

How Cumberland County Compares

Median monthly rent comparison

Cumberland County$829/mo

Tennessee Average$860/mo

National Median$1,163/mo

Detailed Housing Stats

$829/mo

Median Gross Rent

$228,000

Median Home Value

$694/mo

Monthly Owner Cost

23.0%

Rent-to-Income Ratio

Data Story

About Cost of Living in Cumberland County, Tennessee

Cumberland rents punch below national average

Cumberland County's 17.0% rent-to-income ratio beats the national standard, meaning renters here keep more of their earnings than typical Americans. With median rent at $829 and median household income of $58,475—below the national $74,755—Cumberland offers genuine affordability for renters who sacrifice income for lower living costs.

Cumberland ranks among Tennessee's most affordable

At 17.0%, Cumberland's rent-to-income ratio is one of Tennessee's best, outperforming the state average of 17.6% and ranking in the top tier for rental affordability. The county's $829 median rent sits just below the state average of $860, delivering relief for budget-conscious renters statewide.

Cumberland beats peers on rental costs

Cumberland's $829 rent undercuts Dickson County ($972) and approaches Dyer County ($760), positioning it as the sweet spot for affordability in its region. Against Crockett County's $854, Cumberland delivers slightly cheaper housing with comparable income levels—a meaningful advantage for renters.

Cumberland's housing cost distribution

Renters allocate $829 monthly while owners pay $694 for mortgages, both manageable against the $58,475 median household income. The median home value of $228,000 represents a significant jump from rental costs but remains within reach for two-income households or buyers with modest savings.

Cumberland delivers rare rental affordability

Relocating to Cumberland works well for renters prioritizing low monthly costs without sacrificing income stability or nearby employment options. Stack this county's 17.0% rent-to-income ratio against costlier Davidson (23.6%) or higher-income Fayette (12.5%) to confirm Cumberland fits your budget.

Affordability Calculator

See how your income compares to housing costs in Cumberland County

Your Annual Household Income

Rent Burden

17.0%

of gross income

Max Housing (28% Rule)

$1,364

per month

Owner Cost Burden

14.2%

of gross income

The median home in Cumberland County may be a stretch

Median home value is $228,000. Estimated monthly cost: $1,820 vs. your max of $1,364.

Rent Affordability Guide

Your rent-to-income ratio17.0%

Recommended max30.0%

Frequently Asked Questions

What is the cost of living in Cumberland County, Tennessee?

Cumberland County, Tennessee has a median monthly rent of $829/mo and a median home value of $228,000. The affordability rating is Unaffordable, with rent making up approximately 23.0% of median household income.

What is the median rent in Cumberland County?

The median gross rent in Cumberland County is $829/mo. This is 4% below state average for Tennessee.

Is Cumberland County affordable?

Cumberland County is rated Unaffordable based on rent-to-income ratio of 23.0%. Spending over 50% of income on rent is generally considered unaffordable.

How does Cumberland County's rent compare to the state average?

Cumberland County's median rent of $829/mo is 4% below state average of $860/mo for Tennessee.

What is the median home value in Cumberland County?

The median home value in Cumberland County, Tennessee is $228,000. This is 19% below the national median home value of $281,900.