1st Advantage MortgageIn Cumberland County, Tennessee, the typical household earns $60,375 a year and the typical rent is $839. For a Cumberland County borrower, the useful steps are the same anywhere: price the need, gather three written offers, and check the Tennessee license.
On this page
- Getting oriented in Cumberland County
- What Cumberland County households earn
- Cumberland County against other Tennessee counties
- Where Cumberland County works
- Cumberland County housing compared with Tennessee
- Cumberland County next to its neighbors
- Cumberland County towns compared
- What a median Cumberland County budget can carry
- Who lives in Cumberland County, in numbers
- Local borrowing considerations for Cumberland County
- Checking a lender's license in Tennessee
- Steps before you apply in Cumberland County
- Related local guides
- Frequently asked questions
Getting oriented in Cumberland County
Cumberland County is home to about 63,553 people, according to the Census Bureau's 2020 to 2024 American Community Survey, which makes it the 22nd most populous of 95 county-level areas in Tennessee. Land area is 681 square miles (2024 Gazetteer), so density runs near 93 per square mile. Metro status: none; Cumberland County sits outside the 2023 OMB metro areas. The Census Bureau counts 7 places in the county (3 incorporated, 4 census-designated); the largest is Crossville, with about 12,428 residents, or 20% of the county.
What Cumberland County households earn
Cumberland County households have a median income of $60,375 (ACS 2020 to 2024), which ranks 44th of 95 in Tennessee.
| Households earning | Cumberland County | +/- vs Tennessee |
|---|---|---|
| Under $35,000 | 25.1% | +1.0 pts |
| $35,000 to $99,999 | 52.1% | +9.6 pts |
| $100,000 to $199,999 | 19.0% | -5.5 pts |
| $200,000 or more | 3.9% | -5.1 pts |
On the low end, 25% of Cumberland County households report under $35,000; at the top, 23% report $100,000-plus. Poverty rate, Cumberland County: 14.4%; Tennessee: 13.8%. Cumberland County scores 0.431 on the Gini index, where higher means more unequal incomes. None of these numbers decides a Cumberland County application. Lenders weigh your own documented income against your own debts.
Cumberland County against other Tennessee counties
Where Cumberland County lands at the extremes of Tennessee's county rankings:
- On median age, Cumberland County sits near the top of Tennessee at 53.5, the highest of 95. Retirement income counts when documented; favor loans with no prepayment penalty.
- On the share of renters paying 30% or more of income for rent, Cumberland County sits near the bottom of Tennessee at 35%, 11th lowest of 95. Lower rent burdens mean more renters have slack, but test your own numbers.
- The share of commutes over 45 minutes: 13% in Cumberland County. Only 17 of 95 Tennessee counties are lower. Short commutes keep vehicle costs down, which can free up room for savings.
- Few Tennessee counties match Cumberland County on homeownership: 80% here, 67% for the state, ranking 18th highest of 95. Most households here own, so home equity is often an alternative to weigh.
Where Cumberland County works
Top Cumberland County industry by residents employed: education and health care, 19%; second, retail trade, 14%. The sharpest difference from the state is in retail trade, at 14% locally and 12% for Tennessee. 5.1% of Cumberland County's labor force reported being unemployed, averaged across 2020 to 2024. Long commutes are the exception here: 13% of workers spend 45 minutes or longer getting to work. 1,380 Cumberland County households, 4.9%, have no vehicle.
| Top industries | Cumberland County share | +/- vs Tennessee |
|---|---|---|
| Education and health care | 18.8% | -3.6 pts |
| Retail trade | 13.8% | +2.2 pts |
| Manufacturing | 13.5% | +1.0 pts |
| Arts, lodging and food service | 10.1% | +1.2 pts |
| Transportation, warehousing and utilities | 7.7% | +0.5 pts |
| Professional and administrative services | 7.7% | -3.0 pts |
Seasonal work is common in many Cumberland County industries; if that is you, show a full year of income rather than one strong month.
Cumberland County housing compared with Tennessee
Half of Cumberland County renters pay more than $839 a month and half pay less; the Tennessee midpoint is $1,189. About 3 in 10 Cumberland County renters pay 30% or more of income for rent. With a median value of $250,500, a typical Cumberland County house costs 4.1 times what the median household earns in a year. 80% of Cumberland County households own their home and 20% rent. Median construction year: 1994.
| Measure | Cumberland County | Tennessee | Gap |
|---|---|---|---|
| Rent-burdened renters | 35% | 49% | -14.1 pts |
| Owners | 80% | 67% | +13.3 pts |
| Mobile homes | 13.0% | 8.1% | +4.9 pts |
| Burdened owners | 28% | 25% | +3.4 pts |
| Median gross rent | $839/mo | $1,189/mo | 29% lower |
| Median home value | $250,500 | $286,700 | 13% lower |
Cumberland County owners: get one secured and one unsecured quote, then compare the total cost and what you would put up as collateral (side by side).
Cumberland County next to its neighbors
Morgan County is closest, 24 miles from center to center; the sixth, Fentress County, is 29 miles off. Income ranges from $51,149 in Fentress County to $71,885 in Roane County; 2 of these neighbors top Cumberland County's median.
| County | Miles | Median household income | Median rent | Homeownership |
|---|---|---|---|---|
| Cumberland County | - | $60,375 | $839/mo | 80% |
| Morgan County, TN | 24 mi | $65,954 | $770/mo | 85% |
| Rhea County, TN | 24 mi | $55,033 | $839/mo | 71% |
| White County, TN | 26 mi | $52,188 | $849/mo | 77% |
| Roane County, TN | 27 mi | $71,885 | $785/mo | 78% |
| Bledsoe County, TN | 27 mi | $54,720 | $830/mo | 83% |
| Fentress County, TN | 29 mi | $51,149 | $709/mo | 83% |
Cumberland County towns compared
28,633 of Cumberland County's 63,553 residents live in its 7 Census places (45%); the 7 largest are listed. Gap between richest and poorest larger place: $22,880, Fairfield Glade over Crossville. Median rent ranges from $750 in Crab Orchard to $1,310 in Fairfield Glade. No Cumberland County place has a separate guide yet; this county page serves all 7.
| Place | Type | Population | Median income | Median rent | From county center |
|---|---|---|---|---|---|
| Crossville | city | 12,428 | $48,802 | $815 | 2 mi |
| Fairfield Glade | CDP | 9,487 | $71,682 | $1,310 | 8 mi |
| Lake Tansi | CDP | 4,437 | $57,991 | $1,020 | 7 mi |
| Crab Orchard | city | 980 | $60,216 | $750 | 7 mi |
| Pleasant Hill | town | 514 | $51,406 | $1,261 | 12 mi |
| Bowman | CDP | 422 | $78,500 | n/a | 8 mi |
| Mayland | CDP | 365 | n/a | n/a | 14 mi |
A CDP is a named community without its own municipal government.
What a median Cumberland County budget can carry
Cumberland County at the medians, through a lender's eyes (what DTI means):
- Monthly gross at the median, Cumberland County: $5,031
- 17% goes to median rent ($839)
- 36% debt-to-income limit: $972 left for all other debt payments
These are gross figures; take-home pay in Cumberland County will be lower after taxes and deductions.
Who lives in Cumberland County, in numbers
19% of Cumberland County adults 25 and older hold a bachelor's degree or more. About 8% go without health insurance.
| People and households | Cumberland County | Compared with Tennessee | Compared with median county |
|---|---|---|---|
| Median age | 53.5 | +14.6 yrs | +12.0 yrs |
| Bachelor's or higher | 19.1% | -12.0 pts | -3.1 pts |
| Work from home | 9.3% | -3.5 pts | +0.7 pts |
| No health insurance | 8.4% | -1.7 pts | +0.5 pts |
| No high school diploma | 8.9% | -1.1 pts | n/a |
| Poverty rate | 14.4% | +0.6 pts | +1.2 pts |
| Unemployment (ACS) | 5.1% | +0.4 pts | +0.6 pts |
| No vehicle | 4.9% | -0.3 pts | -0.5 pts |
| Commute length | Cumberland County |
|---|---|
| Under 15 min | 31.6% |
| 15 to 29 min | 41.0% |
| 30 to 44 min | 14.8% |
| 45 to 59 min | 6.1% |
| 60+ min | 6.5% |
Local borrowing considerations for Cumberland County
Based on the Cumberland County data above, these borrowing questions are most likely to matter locally.
- Manufactured homes. 13% of Cumberland County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Older households. A 53.5 median age means fixed-income borrowing is common; a fixed payment and short term limit risk.
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
Checking a lender's license in Tennessee
Before sharing details with a lender, a Cumberland County resident can confirm its license with the Tennessee Department of Financial Institutions. Problems with a lender can also go to the CFPB. The Tennessee guide covers state rules in more detail.
Steps before you apply in Cumberland County
Four checks before you sign anything:
- Get a written quote for whatever you are paying for in Cumberland County.
- Ask each lender for the APR and all fees in writing.
- Only work with lenders licensed for Tennessee borrowers.
- Ask a Cumberland County credit union about member loans.
Related local guides
The Tennessee guide covers the whole state.
Frequently asked questions
What is the median household income in Cumberland County?
$60,375 a year in the 2020 to 2024 Census survey, versus $69,595 for Tennessee. It ranks 44th of 95 in the state.
How much is rent in Cumberland County?
Median gross rent, utilities included, is $839 a month; 35% of renters spend 30% or more of income on it.
Is Mayland covered?
Yes. Mayland is one of 7 Census places in Cumberland County, and this guide covers all of them.
Does living in Cumberland County change what I qualify for?
Not in our fit check, which uses only the amount, credit range, income and payments you enter, the same for a Cumberland County resident as anyone. Lenders decide under fair-lending law.
Is there a Cumberland County office that licenses lenders?
No, licensing is statewide. In Tennessee it is the Tennessee Department of Financial Institutions.