1st Advantage MortgageIn Cumberland County, Virginia, the typical household earns $55,325 a year and the typical rent is $877. 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, VA: the basics
- Jobs and commutes in Cumberland County
- What Cumberland County households earn
- Renting and owning in Cumberland County
- Towns and communities in Cumberland County
- Regional comparison for Cumberland County
- A Cumberland County household budget, worked through
- Local borrowing considerations for Cumberland County
- Who lives in Cumberland County, in numbers
- Before you sign
- Lender oversight for Cumberland County
- More guides for Cumberland County
- Frequently asked questions
Cumberland County, VA: the basics
With an estimated 9,818 residents (ACS 2020 to 2024), Cumberland County ranks 116th of 133 in Virginia for population. Spread over 297 square miles, that works out to roughly 33.0 residents per square mile. Under the July 2023 OMB definitions, Cumberland County is not part of any metropolitan area. The Census Bureau counts 1 place in the county (0 incorporated, 1 census-designated); the largest is Cumberland, with about 273 residents, or 3% of the county. Small populations mean wide margins of error, so read every Cumberland County figure on this page as a rough guide.
Jobs and commutes in Cumberland County
Education and health care employs 19% of working residents, the largest share; public administration is next with 15%. Compared with Virginia, the county leans toward public administration (15% against 9%). Averaged over the five survey years, 3.3% of the labor force was out of work and looking. Long commutes are common here: 35% of workers spend 45 minutes or longer getting to work.
| Where residents work | Cumberland County | Difference from Virginia |
|---|---|---|
| Education and health care | 18.8% | -3.5 pts |
| Public administration | 15.5% | +6.6 pts |
| Retail trade | 14.9% | +5.1 pts |
| Construction | 11.3% | +4.8 pts |
| Professional and administrative services | 9.0% | -7.7 pts |
| Arts, lodging and food service | 6.3% | -1.7 pts |
If your hours swing with the season or with overtime, size a loan payment against your base pay, not your best month.
What Cumberland County households earn
At $55,325, the typical Cumberland County household income is 16% below the median U.S. county ($65,681).
| Household income | Cumberland County | vs Virginia |
|---|---|---|
| Under $35,000 | 22.9% | +5.0 pts |
| $35,000 to $99,999 | 51.9% | +16.7 pts |
| $100,000 to $199,999 | 17.4% | -11.8 pts |
| $200,000 or more | 7.8% | -9.9 pts |
Some 23% of households here live on less than $35,000 a year; 25% have six-figure incomes. Census counts 8.5% of Cumberland County residents in poverty, against 9.9% across Virginia. Income inequality, measured by the Gini index, comes to 0.484 here. None of these numbers decides a Cumberland County application. Lenders weigh your own documented income against your own debts.
Renting and owning in Cumberland County
Median gross rent, utilities included, comes to $877 in Cumberland County versus $1,579 statewide. 27% of renting households spend 30% or more of income on rent, and 17% spend half or more. With a median value of $239,300, a typical Cumberland County house costs 4.3 times what the median household earns in a year. The ownership rate is 76%. The median year built is 1986.
| Home costs | Cumberland County | Virginia | U.S. middle county |
|---|---|---|---|
| Median gross rent | $877/mo | $1,579/mo | $877/mo |
| Median home value | $239,300 | $383,700 | $185,300 |
| Owners | 76% | 67% | 75% |
| Rent-burdened renters | 27% | 49% | 45% |
| Burdened owners | 36% | 25% | n/a |
| Vacant units | 15% | 9% | n/a |
Owners with equity have a second option. Weigh a secured line against an unsecured loan by risk as well as cost before you choose (how they compare).
Towns and communities in Cumberland County
Just one Census place, Cumberland, lies mainly within Cumberland County; it holds about 273 people. Cumberland has no separate guide, so this county page serves it.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Cumberland | CDP | 273 | $34,828 | n/a | 2 mi |
CDPs are unincorporated communities the Census Bureau defines for counting.
Regional comparison for Cumberland County
The six counties whose centers lie closest to Cumberland County's, from 16 to 23 miles away. All of the six report a higher median household income than Cumberland County; Goochland County is highest at $118,931 and Prince Edward County lowest at $56,315.
| Nearby county | Center to center | Household income | Gross rent | Owner-occupied |
|---|---|---|---|---|
| Cumberland County | - | $55,325 | $877/mo | 76% |
| Buckingham County, VA | 16 mi | $60,828 | $927/mo | 77% |
| Powhatan County, VA | 19 mi | $110,537 | $1,168/mo | 93% |
| Amelia County, VA | 20 mi | $76,717 | $1,164/mo | 82% |
| Fluvanna County, VA | 22 mi | $96,768 | $1,204/mo | 89% |
| Prince Edward County, VA | 23 mi | $56,315 | $931/mo | 58% |
| Goochland County, VA | 23 mi | $118,931 | $1,614/mo | 85% |
A Cumberland County household budget, worked through
Lenders compare monthly debt payments with gross monthly income, the debt-to-income ratio. For a Cumberland County household at the medians it works out like this; treat it as an illustration only.
- Start: $4,610 gross per month ($55,325 / 12)
- Housing at the median rent of $877 uses 19%
- With a 43% ceiling, about $1,105 remains for car, card, student and any new loan payments
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Local borrowing considerations for Cumberland County
Where the Cumberland County numbers stand out, and why it matters for a loan:
- Keeping the car running. At 35% with long commutes, repairs are a frequent Cumberland County emergency; first decide if the car is worth fixing.
- Repairs on manufactured housing. With 25% of homes here, compare a personal loan with any dealer or park repair program.
- Consolidating cards in Cumberland County. Compare the total repaid, not the monthly figure (how).
Who lives in Cumberland County, in numbers
Degree holders: 21% of adults over 25. The uninsured rate is 4.0%, against 6.9% for Virginia.
| Measure | Cumberland County | Virginia statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 43.5 | 39.0 | 41.5 |
| Bachelor's or higher | 20.9% | 42.2% | 22.2% |
| No high school diploma | 13.6% | 8.4% | n/a |
| No health insurance | 4.0% | 6.9% | 7.8% |
| No vehicle | 7.4% | 6.1% | 5.4% |
| Work from home | 8.7% | 18.3% | 8.7% |
| Poverty rate | 8.5% | 9.9% | 13.2% |
| Unemployment (ACS) | 3.3% | 4.3% | 4.4% |
| Commute length | Cumberland County |
|---|---|
| Under 15 min | 21.3% |
| 15 to 29 min | 22.9% |
| 30 to 44 min | 21.1% |
| 45 to 59 min | 8.8% |
| 60+ min | 25.8% |
Before you sign
Four checks before you sign anything:
- Price the Cumberland County expense first and borrow that amount, no more.
- Collect three written offers and compare APR and total repaid.
- Only work with lenders licensed for Virginia borrowers.
- Read the final agreement; it must match the offer.
Lender oversight for Cumberland County
Before sharing details with a lender, a Cumberland County resident can confirm its license with the Virginia Bureau of Financial Institutions. Federal complaints: consumerfinance.gov. See the Virginia state guide for the statewide picture.
More guides for Cumberland County
The Virginia guide covers the whole state.
Frequently asked questions
How much do households in Cumberland County earn?
The median is $55,325; 25% earn $100,000 or more and 23% under $35,000. A lender uses your own documented income, not this figure.
Is Cumberland County expensive for renters?
Median rent is $877 against $1,579 statewide, and 27% of renter households are cost-burdened.
What are the biggest places in Cumberland County?
By population: Cumberland. The county has 1 Census place in all.
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 do I complain to about a lender in Cumberland County?
Start with the Virginia Bureau of Financial Institutions, then the CFPB complaint portal. Keep copies of every message.