Cost of Living in Cumberland County, Tennessee
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
National Ranking
Affordability Rank
Cumberland County ranks #1,485 of 3,144 counties for affordability (top 47%)
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.
Cost of Living Advisory: Cumberland County
Affordability Verdict
Housing in Cumberland County is affordable. The median rent is $829/month against a median household income of $58,475, putting rent at 17.0% of income.
Rent vs. Own
Renters in Cumberland County pay $829/month on average, compared to $694/month for homeowners. This market favors buyers by about 16%.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $33,160/year. For owner costs at the 28% rule, the required income is roughly $29,743/year. With a median household income of $58,475, most households can comfortably afford rent here. Notably, 23.0% of renter households in Cumberland County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Within Tennessee, Cumberland County is less affordable than Jefferson County by roughly 6% ($829/mo vs $880/mo).
Affordability Calculator
See how your income compares to housing costs in Cumberland County
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
Income Needed Calculator
See how much you need to earn to comfortably afford housing
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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 (2019-2023) — Informational only. Not financial or legal advice.
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