1st Advantage MortgageThe median Cumberland County household earns $67,436, and 16% of residents live below the poverty line. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Cumberland County, NJ: the basics
- Where Cumberland County differs from the rest of New Jersey
- What it costs to live in Cumberland County
- How much Cumberland County households make
- Jobs and commutes in Cumberland County
- Cumberland County next to its neighbors
- Cumberland County communities by population
- Local borrowing considerations for Cumberland County
- Cumberland County residents: age, schooling, coverage
- What a median Cumberland County budget can carry
- Checklist for Cumberland County applicants
- Lender oversight for Cumberland County
- Other New Jersey guides
- Frequently asked questions
Cumberland County, NJ: the basics
With an estimated 153,305 residents (ACS 2020 to 2024), Cumberland County ranks 16th of 21 in New Jersey for population. Its 483 square miles average 317 people per square mile, by the 2024 Census Gazetteer. The federal metro definitions (OMB, July 2023) place it in the Vineland, NJ metropolitan area. Of the 39 Census places inside Cumberland County, Vineland leads by population with about 61,006; 4 of the 39 are incorporated.
Where Cumberland County differs from the rest of New Jersey
Out of every New Jersey county, Cumberland County is most unusual on these measures.
- Median home value: $221,400 in Cumberland County, the lowest of 21 in New Jersey. Lower values mean less equity to tap, so unsecured loans are the usual route.
- Few New Jersey counties match Cumberland County on the share of adults with a bachelor's degree: 19% here, 44% for the state, ranking the lowest of 21. No degree is required for a personal loan; documented income is.
- Cumberland County ranks the lowest of 21 New Jersey counties for the share of households earning $100,000 or more: 33%, against 52% statewide. Most budgets here are modest, so keep payments small.
What it costs to live in Cumberland County
Median gross rent, utilities included, comes to $1,282 in Cumberland County versus $1,720 statewide. About 6 in 10 Cumberland County renters pay 30% or more of income for rent. Median value $221,400; median income $67,436; ratio 3.3. Homeowners 67%, renters 33%. Median construction year: 1969. Nationally, Cumberland County's $1,282 rent is 46% above the middle county.
| Housing | Cumberland County | New Jersey statewide | Cumberland County vs state |
|---|---|---|---|
| Median home value | $221,400 | $454,400 | 51% lower |
| Burdened owners | 37% | 32% | +4.9 pts |
| Rent-burdened renters | 56% | 52% | +4.6 pts |
| Mobile homes | 5.3% | 0.9% | +4.3 pts |
| Owners | 67% | 64% | +2.7 pts |
| Median gross rent | $1,282/mo | $1,720/mo | 25% lower |
56% of Cumberland County renters are already past the 30% line; one more payment should leave room for a late paycheck.
How much Cumberland County households make
Half of Cumberland County households take in less than $67,436 a year and half take in more, 35% below the New Jersey median of $103,556.
| Income band | Share in Cumberland County | Difference from New Jersey |
|---|---|---|
| Under $35,000 | 26.4% | +9.6 pts |
| $35,000 to $99,999 | 41.1% | +9.4 pts |
| $100,000 to $199,999 | 25.0% | -4.9 pts |
| $200,000 or more | 7.5% | -14.2 pts |
Six-figure households (33%) outnumber those under $35,000 (26%) in Cumberland County. Poverty rate, Cumberland County: 15.6%; New Jersey: 9.7%. Gini index for Cumberland County: 0.473. Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Jobs and commutes in Cumberland County
Top Cumberland County industry by residents employed: education and health care, 27%; second, retail trade, 13%. Compared with New Jersey, the county leans toward public administration (7% against 4%). Averaged over the five survey years, 6.8% of the labor force was out of work and looking. Commutes of 45 minutes-plus: 18%; under 15 minutes: 32%. 10.1% of households have no vehicle.
| Sector | Cumberland County | Compared with New Jersey |
|---|---|---|
| Education and health care | 26.5% | +2.3 pts |
| Retail trade | 12.5% | +2.0 pts |
| Manufacturing | 10.4% | +2.3 pts |
| Construction | 8.3% | +2.2 pts |
| Professional and administrative services | 8.3% | -6.2 pts |
| Transportation, warehousing and utilities | 8.3% | +1.6 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
Cumberland County next to its neighbors
Six nearby counties, 21 to 33 miles away by the straight-line distance between their centers. Richest neighbor: Gloucester County, $105,115. Poorest: Kent County, $74,477. Cumberland County: $67,436. The list crosses into Delaware, where different lending rules and regulators apply.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Cumberland County | - | $67,436 | $1,282/mo | 67% |
| Salem County, NJ | 21 mi | $79,960 | $1,253/mo | 71% |
| Cape May County, NJ | 22 mi | $91,128 | $1,360/mo | 80% |
| Kent County, DE | 26 mi | $74,477 | $1,354/mo | 73% |
| Gloucester County, NJ | 27 mi | $105,115 | $1,531/mo | 80% |
| Atlantic County, NJ | 28 mi | $78,050 | $1,376/mo | 69% |
| New Castle County, DE | 33 mi | $91,166 | $1,448/mo | 69% |
Cumberland County communities by population
39 Census places fall mainly inside Cumberland County; the 14 biggest are below. They account for 137,406 residents, leaving about 10% of the county in unincorporated, unnamed areas. Silver Lake ($111,139) and Seabrook Farms ($46,541) mark the top and bottom of Cumberland County's income range among larger places. Rent is cheapest in Laurel Lake ($1,200) and steepest in Port Norris ($1,716). Live in one of these Cumberland County communities, or between them? This is your local guide.
| Town or CDP | Type | People | Median household income | Median gross rent | Miles from center |
|---|---|---|---|---|---|
| Vineland | city | 61,006 | $67,860 | $1,233 | 12 mi |
| Millville | city | 27,511 | $70,275 | $1,261 | 6 mi |
| Bridgeton | city | 27,001 | $55,781 | $1,340 | 9 mi |
| Laurel Lake | CDP | 2,641 | $55,574 | $1,200 | 5 mi |
| Silver Lake | CDP | 2,011 | $111,139 | n/a | 12 mi |
| Port Norris | CDP | 1,612 | n/a | $1,716 | 6 mi |
| Gouldtown | CDP | 1,546 | $55,789 | $1,233 | 7 mi |
| Seabrook Farms | CDP | 1,448 | $46,541 | n/a | 13 mi |
| Centre Grove | CDP | 1,339 | $74,813 | n/a | 2 mi |
| Rosenhayn | CDP | 1,308 | $64,760 | $1,423 | 10 mi |
| Sunset Lake | CDP | 1,194 | $78,555 | n/a | 10 mi |
| West Park | CDP | 1,079 | $72,813 | $1,269 | 11 mi |
| Fairton | CDP | 930 | $57,778 | $1,629 | 6 mi |
| Carlls Corner | CDP | 868 | $78,256 | $1,668 | 10 mi |
Local borrowing considerations for Cumberland County
A few patterns in the Cumberland County data, and the practical point behind each:
- 10% uninsured. In Cumberland County, ask for an itemized bill and a payment plan first (medical bills).
- Rent squeeze. 56% of renters spend 30%+ of income on rent; borrow only if the loan cuts what you pay overall.
- Consolidating cards in Cumberland County. Compare the total repaid, not the monthly figure (how).
Cumberland County residents: age, schooling, coverage
Degree holders: 19% of adults over 25. 10.5% of residents have no health coverage.
| Residents | Cumberland County | Difference from New Jersey | Difference from middle U.S. county |
|---|---|---|---|
| Median age | 37.7 | -2.4 yrs | -3.8 yrs |
| Bachelor's or higher | 18.9% | -24.7 pts | -3.2 pts |
| No high school diploma | 18.4% | +9.1 pts | n/a |
| No health insurance | 10.5% | +3.0 pts | +2.6 pts |
| No vehicle | 10.1% | -1.0 pts | +4.7 pts |
| Work from home | 5.4% | -11.5 pts | -3.3 pts |
| Poverty rate | 15.6% | +5.9 pts | +2.4 pts |
| Unemployment (ACS) | 6.8% | +0.4 pts | +2.3 pts |
| One-way commute | Share of Cumberland County workers |
|---|---|
| Under 15 min | 31.8% |
| 15 to 29 min | 32.0% |
| 30 to 44 min | 18.7% |
| 45 to 59 min | 9.4% |
| 60+ min | 8.2% |
What a median Cumberland County budget can carry
DTI math using Cumberland County medians ($67,436 income, $1,282 rent):
- $5,620 a month: gross income for a household at the Cumberland County median
- Median rent: $1,282, or 23 cents of every gross dollar
- Under a 36% cap, $2,023 total minus rent leaves $741
- Under a 43% cap, $2,416 total minus rent leaves $1,134
A household below the $67,436 median has less room than this, often none.
Checklist for Cumberland County applicants
A short checklist for Cumberland County borrowers:
- Price the Cumberland County expense first and borrow that amount, no more.
- Prequalify with soft pulls where offered, then compare in writing.
- Verify the New Jersey license before giving out your Social Security number.
- Ask about early-payoff penalties.
Lender oversight for Cumberland County
Consumer lenders serving Cumberland County are licensed by the state, not the county; in New Jersey that is the New Jersey Department of Banking and Insurance. Banks and credit unions have their own regulators, and the CFPB takes complaints about any lender. The New Jersey guide covers state rules in more detail.
Other New Jersey guides
Next step up from Cumberland County:
Frequently asked questions
How much do households in Cumberland County earn?
The median is $67,436; 33% earn $100,000 or more and 26% under $35,000. A lender uses your own documented income, not this figure.
How does Cumberland County rent compare with New Jersey?
$1,282 locally versus $1,720 for the state, 25% below.
I live near Vineland. Which guide is mine?
This one. Vineland and the rest of Cumberland County have no separate city guide.
Are Cumberland County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.
Who regulates personal lenders for Cumberland County residents?
The New Jersey Department of Banking and Insurance licenses consumer lenders in New Jersey; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.