HomeNew JerseyCumberland County
Cumberland County, New Jersey: commercial real estate data.
Cumberland County, New Jersey has a population of 153,305 across 484 square miles, up 1.0 percent since the 2020 census base. County output reached $8.51 bn in 2024, 2,826 establishments operate here, and the SBA record carries 108 7(a) approvals worth $70.5 m.
121 sourced county values · tier FULL · 11 sections
Cumberland County
How many people live in Cumberland County
- Population153,305
- Households53,781
- Average household size2.85
- Median household income$67,436
- Median age37.7
- Median gross rent$1,282 per month
- Median owner-occupied home value$221,400
- Home value to household income3.3 times
- Annual rent as a share of median income22.8 percent
- Adults 25 and over with a bachelor degree or higher18.9 percent
- Adults 25 and over with a graduate degree6.1 percent
- Adults 25 and over103,026
- Population under 1837,403
- Share under 1824.4 percent
- Population 65 and over24,216
- Share 65 and over15.8 percent
- Working age population, 18 to 6491,686
- Civilian labor force69,023
- Unemployment rate6.8 percent
- Labor force participation, adults 18 and over59.6 percent
- Rank by population among New Jersey counties16th of 21
- Rank by population among US county-equivalents452nd
Cumberland County is the 16th largest of 21 New Jersey counties by population. A median home costs 3.3 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 24.4 percent against 15.8 percent, a household formation profile rather than a retirement one.
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 base0.99 percent
- Census 2020 base population154,152
- Births, 20241,841
- Deaths, 20241,756
- Natural change, 202485
- Net domestic migration, 2024867
- Net international migration, 20241,389
- Total net migration, 20242,256
- Cumulative net domestic migration, 2021 to 2024-1,325
- Rank by growth among US county-equivalents1487th
The county has grown 0.99 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
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 arriving2,360
- People arriving, from those returns4,090
- Adjusted gross income arriving$116.5 m
- Net adjusted gross income movement$0
- Average income of an arriving household$49,367
- Largest single originCumberland County Non-migrants (54,495 households)
- Largest single destination (54,495 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Cumberland County Non-migrants | 54,495 | 108,497 | $3.54 bn |
| Other flows - Different State | 660 | 1,123 | $28.3 m |
| Atlantic County | 392 | 698 | $18.7 m |
| Other flows - South | 349 | 600 | $14.4 m |
| Gloucester County | 337 | 572 | $20.1 m |
| Camden County | 210 | 364 | $10.8 m |
| Other flows - Northeast | 201 | 350 | $9.0 m |
| Salem County | 190 | 334 | $9.0 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$8.51 bn
- County GDP, 2023$8.13 bn
- GDP change, 2023 to 20244.8 percent
- GDP change over five years27.5 percent
- Rank by GDP among New Jersey counties17th
- Rank by GDP among US county-equivalents504th
- GDP per resident$55,533
Output grew 4.8 percent in the latest year and 27.5 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 average59,688
- Establishments reporting3,763
- Average annual pay$57,729
- Average weekly wage$1,110
- Sector 62, employment10,763
- Sector 62, average annual pay$61,163
- Sector 31-33, employment8,268
- Sector 31-33, average annual pay$67,756
- Sector 44-45, employment7,550
- Sector 44-45, average annual pay$38,957
- Sector 42, employment3,624
- Sector 42, average annual pay$63,008
- Sector 72, employment3,350
- Sector 56, employment3,159
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 10,763 | 1,121 | $61,163 |
| Sector 31-33 | 8,268 | 179 | $67,756 |
| Sector 44-45 | 7,550 | 452 | $38,957 |
| Sector 42 | 3,624 | 157 | $63,008 |
| Sector 72 | 3,350 | 234 | $23,986 |
| Sector 56 | 3,159 | 155 | $38,315 |
| Sector 23 | 3,060 | 273 | $90,089 |
| Sector 11 | 2,694 | 98 | $45,650 |
The largest sector is the biggest private employer group at 10,763 jobs, 18.0 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Cumberland County
What businesses operate in Cumberland County
- Establishments, all industries2,826
- Employment at those establishments47,846
- Annual payroll$2.56 bn
- Establishments per 1,000 residents18.4
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, 2024253
- Declared construction value permitted$35.2 m
- Single family units authorised120
- Multifamily units authorised133
- Multifamily share of units52.6 percent
- Average declared value per unit$139,200
- Units authorised per 1,000 households4.7
Multifamily is 52.6 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 much SBA lending happens in Cumberland County
- 7(a) approvals recorded108
- 7(a) gross approval dollars$70.5 m
- Average 7(a) approval$652,568
- Median 7(a) approval$250,000
- 10th percentile approval$20,000
- 90th percentile approval$1,953,000
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,094
- Jobs per approval10.1
- Distinct 7(a) lenders active33
- Distinct industries receiving approvals68
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer25.9 percent
- Loans on real estate terms28
- Loans on working capital terms, 120 months or shorter76
- Franchise loans10
- Franchise share of approvals9.3 percent
- Leading industry by approval countGlass Product Manufacturing Made of Purchased Glass (9)
- Most active lenderTD Bank, National Association (38)
- 504 approvals recorded18
- 504 gross approval dollars$28.9 m
- Average 504 approval$1,607,111
- Median 504 approval$845,000
- Distinct CDCs active3
- 504 jobs per approval15.7
- 504 jobs per million dollars approved9.7
- Most active CDCTrenton Business Assistance Corporation (10)
- 7(a) share of SBA approvals85.7 percent
- Combined SBA approval dollars$99.4 m
The average approval of $652,568 sits well above the median of $250,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 25.9 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Cumberland County
Do SBA loans in Cumberland County get paid back
- Loans with a final outcome recorded19
- Paid in full14
- Charged off5
- Charge off rate on resolved loans26.3 percent
- Status: Cancelled21
- Status: Exempt from disclosure61
- Status: Paid in full14
- Status: Charged off5
- Status: Committed, not yet disbursed7
Of the 19 loans that have reached a final outcome, 26.3 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cumberland County
Which parts of Cumberland County get the lending
- Places in the county with recorded lending4
- Vineland, approvals63
- Bridgeton, approvals22
- Millville, approvals21
- CEDARVILLE, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Vineland | 63 | $48,143,500 |
| Bridgeton | 22 | $12,236,800 |
| Millville | 21 | $9,946,000 |
| CEDARVILLE | 2 | $151,000 |
Vineland accounts for 63 approvals against 22 in Bridgeton. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cumberland County
How big is Cumberland County
- Land area484 sq mi
- Rank by land area among New Jersey counties5th of 21
- Width, east to west29.5 mi
- Height, north to south27 mi
- Geographies sharing a boundary4
- Residents per square mile of land317
- Establishments per square mile5.84
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 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.
- Population153,305
- Households53,781
- Average household size2.85
- Median household income$67,436
- Median age37.7
Common questions
Cumberland County questions, answered from the record.
How many people live in Cumberland County, New Jersey?
153,305, in 53,781 households, ranking 16th of 21 New Jersey counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Cumberland County growing?
The population has grown 0.99 percent since the 2020 census base. In 2024 there were 1,841 births against 1,756 deaths, with net migration of 2,256. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Cumberland County?
$67,436. The median owner-occupied home is valued at $221,400, which is 3.3 times income, and median gross rent is $1,282 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Cumberland County?
2,826 establishments, employing 47,846 people with an annual payroll of $2.56 bn. 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 $57,729, or $1,110 a week, across 59,688 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Cumberland County?
108 7(a) approvals totalling $70.5 m since FY2020, across 33 lenders, with a median approval of $250,000, plus 18 504 approvals worth $28.9 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Cumberland County get paid back?
Of the 19 loans that have reached a final outcome, 14 were paid in full and 5 charged off, a charge off rate of 26.3 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Cumberland County?
253 housing units were authorised by permit in 2024, with a declared construction value of $35.2 m. Multifamily was 52.6 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Cumberland County?
Zone 2, a predicted average indoor radon screening level from 2 to 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 54,495 households. Arriving households report an average income of $49,367 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.