Cumberland County, Kentucky: commercial real estate data.
Cumberland County, Kentucky has a population of 5,948 across 305 square miles, up 2.7 percent since the 2020 census base. County output reached $252.9 m in 2024, 104 establishments operate here.
76 sourced county values · tier FULL · 8 sections
Cumberland County
How many people live in Cumberland County
- Population5,948
- Households2,630
- Average household size2.26
- Median household income$40,000
- Median age45.1
- Median gross rent$523 per month
- Median owner-occupied home value$141,100
- Home value to household income3.5 times
- Annual rent as a share of median income15.7 percent
- Adults 25 and over with a bachelor degree or higher19.1 percent
- Adults 25 and over with a graduate degree7.7 percent
- Adults 25 and over4,293
- Population under 181,312
- Share under 1822.1 percent
- Population 65 and over1,351
- Share 65 and over22.7 percent
- Working age population, 18 to 643,285
- Civilian labor force2,270
- Unemployment rate4.0 percent
- Labor force participation, adults 18 and over49.0 percent
- Rank by population among Kentucky counties116th of 120
- Rank by population among US county-equivalents2814th
Cumberland County is the 116th largest of 120 Kentucky counties by population. A median home costs 3.5 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 22.7 percent against 22.1 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Cumberland County
Is Cumberland County growing
- Population change since the 2020 census base2.74 percent
- Census 2020 base population5,886
- Births, 202480
- Deaths, 2024103
- Natural change, 2024-23
- Net domestic migration, 202489
- Net international migration, 20241
- Total net migration, 202490
- Cumulative net domestic migration, 2021 to 2024329
- Rank by growth among US county-equivalents941st
The county has grown 2.74 percent since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Cumberland County
Where people moving to Cumberland County come from
- Tax returns filed by households arriving122
- People arriving, from those returns250
- Adjusted gross income arriving$5.3 m
- Net adjusted gross income movement$0
- Average income of an arriving household$43,238
- Largest single originCumberland County Non-migrants (2,110 households)
- Largest single destination (2,110 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Cumberland County Non-migrants | 2,110 | 4,490 | $99.5 m |
| Other flows - Same State | 71 | 136 | $2.1 m |
| Other flows - Different State | 51 | 114 | $3.2 m |
| Other flows - South | 30 | 68 | $1.9 m |
| Other flows - Midwest | 21 | 46 | $1.3 m |
The largest single source of arrivals is Cumberland County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Cumberland County
What the Cumberland County economy runs on
- County GDP, 2024$252.9 m
- County GDP, 2023$235.3 m
- GDP change, 2023 to 20247.5 percent
- GDP change over five years43.4 percent
- Rank by GDP among Kentucky counties105th
- Rank by GDP among US county-equivalents2801st
- GDP per resident$42,511
Output grew 7.5 percent in the latest year and 43.4 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Cumberland County
Who employs people in Cumberland County
- Covered employment, annual average2,402
- Establishments reporting188
- Average annual pay$48,343
- Average weekly wage$930
- Sector 62, employment1,178
- Sector 62, average annual pay$54,453
- Sector 44-45, employment189
- Sector 44-45, average annual pay$29,727
- Sector 31-33, employment159
- Sector 31-33, average annual pay$35,261
- Sector 54, employment23
- Sector 54, average annual pay$52,812
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 1,178 | 27 | $54,453 |
| Sector 44-45 | 189 | 32 | $29,727 |
| Sector 31-33 | 159 | 12 | $35,261 |
| Sector 54 | 23 | 15 | $52,812 |
The largest sector is the biggest private employer group at 1,178 jobs, 49.0 percent of covered employment. Average pay per job exceeds median household income, which usually means single earner households and a wage base that can carry rent.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Cumberland County
What businesses operate in Cumberland County
- Establishments, all industries104
- Employment at those establishments1,181
- Annual payroll$50.7 m
- Establishments per 1,000 residents17.5
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Cumberland County
What is being built in Cumberland County
- Housing units authorised by permit, 20246
- Declared construction value permitted$739,566
- Single family units authorised0
- Multifamily units authorised6
- Multifamily share of units100.0 percent
- Average declared value per unit$123,261
- Units authorised per 1,000 households2.3
Multifamily is 100.0 percent of units authorised, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Cumberland County
How big is Cumberland County
- Land area305 sq mi
- Rank by land area among Kentucky counties61st of 120
- Width, east to west21.1 mi
- Height, north to south22.1 mi
- Geographies sharing a boundary5
- Residents per square mile of land20
- Establishments per square mile0.34
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- No 7(a) approvals recorded in this county in the FOIA release covering FY2020 onward.
- No 504 approvals recorded in this county in the FOIA release covering FY2010 onward.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Cumberland County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Cumberland County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population5,948
- Households2,630
- Average household size2.26
- Median household income$40,000
- Median age45.1
Common questions
Cumberland County questions, answered from the record.
How many people live in Cumberland County, Kentucky?
5,948, in 2,630 households, ranking 116th of 120 Kentucky counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Cumberland County growing?
The population has grown 2.74 percent since the 2020 census base. In 2024 there were 80 births against 103 deaths, with net migration of 90. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Cumberland County?
$40,000. The median owner-occupied home is valued at $141,100, which is 3.5 times income, and median gross rent is $523 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Cumberland County?
104 establishments, employing 1,181 people with an annual payroll of $50.7 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Cumberland County?
Average annual pay is $48,343, or $930 a week, across 2,402 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
What is being built in Cumberland County?
6 housing units were authorised by permit in 2024, with a declared construction value of $739,566. Multifamily was 100.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Cumberland County?
Zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Cumberland County come from?
The largest single origin is Cumberland County Non-migrants, with 2,110 households. Arriving households report an average income of $43,238 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Cumberland County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Cumberland County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.