1st Advantage MortgageThe median Cuming County household earns $71,104, and 7% of residents live below the poverty line. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- A quick profile of Cuming County
- Income in Cuming County compared with Nebraska
- Housing costs in Cuming County
- The Cuming County job picture
- Cities, towns and CDPs in Cuming County
- Neighboring counties at a glance
- Room for a loan payment in Cuming County
- More Cuming County figures
- Reading the Cuming County data as a borrower
- Before you sign
- Nebraska rules that apply in Cuming County
- More guides for Cuming County
- Frequently asked questions
A quick profile of Cuming County
The latest five-year Census estimate puts Cuming County's population at 8,975; only 30 of Nebraska's 93 county-level areas are larger. Land area is 570 square miles (2024 Gazetteer), so density runs near 16 per square mile. Under the July 2023 OMB definitions, Cuming County is not part of any metropolitan area. The Census Bureau counts 4 places in the county (4 incorporated, 0 census-designated); the largest is West Point, with about 3,471 residents, or 39% of the county. Small populations mean wide margins of error, so read every Cuming County figure on this page as a rough guide.
Income in Cuming County compared with Nebraska
At $71,104, the typical Cuming County household income is 8% above the median U.S. county ($65,681). Only 32 Nebraska counties post a higher median.
| Band | Cuming County | Compared with Nebraska |
|---|---|---|
| Under $35,000 | 15.3% | -5.4 pts |
| $35,000 to $99,999 | 52.5% | +10.5 pts |
| $100,000 to $199,999 | 25.5% | -2.4 pts |
| $200,000 or more | 6.7% | -2.7 pts |
About 15% of households earn under $35,000, while 32% clear $100,000. Census counts 6.7% of Cuming County residents in poverty, against 10.6% across Nebraska. Income inequality, measured by the Gini index, comes to 0.424 here. If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Cuming County median.
Housing costs in Cuming County
Renters in Cuming County pay a median of $789 a month, 26% below the Nebraska figure of $1,072. 26% of renting households spend 30% or more of income on rent, and 11% spend half or more. Home values center on $178,800, or 2.5 years of median income. 69% of Cuming County households own their home and 31% rent. Median construction year: 1958.
| Cost | Cuming County | Nebraska figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $789/mo | $1,072/mo | $877/mo |
| Median home value | $178,800 | $238,600 | $185,300 |
| Owners | 69% | 67% | 75% |
| Rent-burdened renters | 26% | 45% | 45% |
| Burdened owners | 18% | 22% | n/a |
| Mobile homes | 2.7% | 2.9% | n/a |
The Cuming County job picture
Education and health care employs 26% of working residents, the largest share; agriculture, forestry and mining is next with 16%. Compared with Nebraska, the county leans toward agriculture, forestry and mining (16% against 4%). Averaged over the five survey years, 2.2% of the labor force was out of work and looking. 10% of commuters travel 45 minutes or more each way, and 7% work from home.
| Industry (employed residents 16+) | Cuming County | Gap to Nebraska |
|---|---|---|
| Education and health care | 25.7% | +1.2 pts |
| Agriculture, forestry and mining | 16.0% | +11.7 pts |
| Manufacturing | 12.1% | +1.7 pts |
| Finance, insurance and real estate | 7.6% | -0.3 pts |
| Construction | 7.1% | +0.1 pts |
| Retail trade | 6.4% | -4.2 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Cities, towns and CDPs in Cuming County
4 Census places fall mainly inside Cuming County; the 4 biggest are below. They account for 6,300 residents, leaving about 30% of the county in unincorporated, unnamed areas. Incomes vary by place: $65,793 at the median in West Point, $50,833 in Bancroft. Median rent ranges from $641 in Beemer to $847 in West Point. This guide covers each of the 4 places and the rural areas around them.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| West Point | city | 3,471 | $65,793 | $847 | 7 mi |
| Wisner | city | 1,461 | $61,739 | $825 | 8 mi |
| Beemer | village | 775 | $61,667 | $641 | 1 mi |
| Bancroft | village | 593 | $50,833 | $826 | 13 mi |
Neighboring counties at a glance
Six nearby counties, 20 to 28 miles away by the straight-line distance between their centers. 3 of the six report a higher median household income than Cuming County; Colfax County is highest at $82,530 and Burt County lowest at $63,685.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Cuming County | - | $71,104 | $789/mo | 69% |
| Stanton County, NE | 20 mi | $80,687 | $902/mo | 78% |
| Thurston County, NE | 21 mi | $69,177 | $699/mo | 61% |
| Burt County, NE | 24 mi | $63,685 | $708/mo | 75% |
| Dodge County, NE | 25 mi | $74,329 | $1,060/mo | 67% |
| Wayne County, NE | 27 mi | $66,215 | $800/mo | 61% |
| Colfax County, NE | 28 mi | $82,530 | $980/mo | 76% |
Room for a loan payment in Cuming County
Cuming County at the medians, through a lender's eyes (what DTI means):
- Monthly gross at the median, Cuming County: $5,925
- Rent at the median, $789, takes 13% of that
- At 36%, room after rent is $1,344 a month
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
More Cuming County figures
Degree holders: 25% of adults over 25. About 8% go without health insurance.
| Cuming County | Nebraska | U.S. county median | |
|---|---|---|---|
| Median age | 40.9 | 37.2 | 41.5 |
| Bachelor's or higher | 24.9% | 34.6% | 22.2% |
| No high school diploma | 8.5% | 7.8% | n/a |
| No health insurance | 8.3% | 7.2% | 7.8% |
| No vehicle | 3.5% | 5.4% | 5.4% |
| Work from home | 7.3% | 11.0% | 8.7% |
| Poverty rate | 6.7% | 10.6% | 13.2% |
| Unemployment (ACS) | 2.2% | 3.0% | 4.4% |
| Minutes to work | Cuming County workers |
|---|---|
| Under 15 min | 55.2% |
| 15 to 29 min | 23.9% |
| 30 to 44 min | 11.1% |
| 45 to 59 min | 3.9% |
| 60+ min | 5.9% |
Reading the Cuming County data as a borrower
What the Cuming County figures suggest, and what to check first:
- Check your file. An error fixed before you apply can change the offers a Cuming County borrower sees (free reports).
- Scams. A fee demanded before funding is a red flag; report it at ReportFraud.ftc.gov (spotting scams).
- Paperwork. ID, proof of income and a bank account are the basics (requirements).
Before you sign
Quick steps for Cuming County:
- Price the Cuming County expense first and borrow that amount, no more.
- Prequalify with soft pulls where offered, then compare in writing.
- Confirm the lender is licensed in Nebraska.
- Keep a small cushion so one surprise bill does not mean another loan.
Nebraska rules that apply in Cuming County
Before sharing details with a lender, a Cuming County resident can confirm its license with the Nebraska Department of Banking and Finance. The Consumer Financial Protection Bureau accepts complaints nationwide. The Nebraska guide covers state rules in more detail.
More guides for Cuming County
The Nebraska guide covers the whole state.
Frequently asked questions
What is the median household income in Cuming County?
$71,104 a year in the 2020 to 2024 Census survey, versus $76,475 for Nebraska. It ranks 33rd of 93 in the state.
How much is rent in Cuming County?
Median gross rent, utilities included, is $789 a month; 26% of renters spend 30% or more of income on it.
Does this page cover West Point?
Yes, along with the other 3 Census places in Cuming County, such as Wisner, Beemer, Bancroft.
Does living in Cuming 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 Cuming County resident as anyone. Lenders decide under fair-lending law.
Is there a Cuming County office that licenses lenders?
No, licensing is statewide. In Nebraska it is the Nebraska Department of Banking and Finance.