Cost of Living in Cumberland County, Virginia
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 #1,882 of 3,142 counties for affordability (bottom 40%)
Sourced county brief
Cumberland County Median GRAPI Estimated at 22.9%
Cumberland County has an official median gross rent as a percentage of household income (GRAPI) of 22.9%. This is 5.7 percentage points lower than the Virginia unweighted county mean official GRAPI of 28.6%. The median gross rent in the county was estimated at $877 per month, which is below the state unweighted county mean of $1,170. For owner-occupied housing units, the median home value is $239,300, compared to the Virginia unweighted county mean of $295,808. Median selected monthly owner costs were recorded at $982, while the state unweighted county mean for this metric is $1,190. The median renter-household income was $41,982. These data points provide a housing cost profile for the 2020-2024 survey period. 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 22.9% 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 $877 per month; median selected monthly owner costs are $982. These ACS medians describe different tenure groups and are not a personalized rent-versus-buy calculation.
Income Needed
Using the common 30% budgeting benchmark, $35,080 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 Virginia unweighted mean of county median rents is $1,170 per month. Cumberland County's $877 median is 25.0% below 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
19.0%
of gross income
Max Housing (28% Rule)
$1,291
per month
Owner Cost Burden
21.3%
of gross income
The median home in Cumberland County may be a stretch
Median home value is $239,300. Estimated monthly cost: $1,910 vs. your max of $1,291.
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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