HomeTennesseeCumberland County
Cumberland County, Tennessee: commercial real estate data.
Cumberland County, Tennessee has a population of 63,553 across 681 square miles, up 7.3 percent since the 2020 census base. County output reached $2.73 bn in 2024, 1,153 establishments operate here, and the SBA record carries 28 7(a) approvals worth $8.2 m.
113 sourced county values · tier FULL · 10 sections
Cumberland County
How many people live in Cumberland County
- Population63,553
- Households28,195
- Average household size2.25
- Median household income$60,375
- Median age53.5
- Median gross rent$839 per month
- Median owner-occupied home value$250,500
- Home value to household income4.1 times
- Annual rent as a share of median income16.7 percent
- Adults 25 and over with a bachelor degree or higher19.1 percent
- Adults 25 and over with a graduate degree7.4 percent
- Adults 25 and over49,349
- Population under 1810,622
- Share under 1816.7 percent
- Population 65 and over20,603
- Share 65 and over32.4 percent
- Working age population, 18 to 6432,328
- Civilian labor force24,821
- Unemployment rate5.1 percent
- Labor force participation, adults 18 and over46.9 percent
- Rank by population among Tennessee counties22nd of 95
- Rank by population among US county-equivalents862nd
Cumberland County is the 22nd largest of 95 Tennessee counties by population. A median home costs 4.1 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 32.4 percent against 16.7 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 base7.32 percent
- Census 2020 base population61,145
- Births, 2024541
- Deaths, 20241,106
- Natural change, 2024-565
- Net domestic migration, 20241,327
- Net international migration, 20241
- Total net migration, 20241,328
- Cumulative net domestic migration, 2021 to 20246,657
- Rank by growth among US county-equivalents289th
The county has grown 7.32 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 arriving2,307
- People arriving, from those returns4,273
- Adjusted gross income arriving$177.9 m
- Net adjusted gross income movement$0
- Average income of an arriving household$77,127
- Largest single originCumberland County Non-migrants (23,928 households)
- Largest single destination (23,928 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Cumberland County Non-migrants | 23,928 | 47,078 | $1.58 bn |
| Other flows - Different State | 1,389 | 2,575 | $115.9 m |
| Other flows - South | 574 | 1,091 | $43.6 m |
| Other flows - Midwest | 328 | 570 | $28.3 m |
| Other flows - West | 297 | 572 | $27.0 m |
| Other flows - Same State | 231 | 413 | $16.2 m |
| Other flows - Northeast | 190 | 342 | $17.0 m |
| Putnam County | 124 | 223 | $5.1 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$2.73 bn
- County GDP, 2023$2.56 bn
- GDP change, 2023 to 20246.8 percent
- GDP change over five years47.5 percent
- Rank by GDP among Tennessee counties28th
- Rank by GDP among US county-equivalents1048th
- GDP per resident$42,951
Output grew 6.8 percent in the latest year and 47.5 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 average19,316
- Establishments reporting1,576
- Average annual pay$45,674
- Average weekly wage$878
- Sector 44-45, employment3,092
- Sector 44-45, average annual pay$35,345
- Sector 62, employment2,709
- Sector 62, average annual pay$47,060
- Sector 72, employment1,926
- Sector 72, average annual pay$21,988
- Sector 31-33, employment1,887
- Sector 31-33, average annual pay$55,211
- Sector 48-49, employment1,385
- Sector 56, employment1,377
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 3,092 | 238 | $35,345 |
| Sector 62 | 2,709 | 206 | $47,060 |
| Sector 72 | 1,926 | 120 | $21,988 |
| Sector 31-33 | 1,887 | 74 | $55,211 |
| Sector 48-49 | 1,385 | 49 | $52,339 |
| Sector 56 | 1,377 | 74 | $39,634 |
| Sector 23 | 1,008 | 153 | $60,790 |
| Sector 71 | 585 | 19 | $27,508 |
The largest sector is the biggest private employer group at 3,092 jobs, 16.0 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 industries1,153
- Employment at those establishments16,494
- Annual payroll$687.9 m
- Establishments per 1,000 residents18.1
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, 2024114
- Declared construction value permitted$23.7 m
- Single family units authorised114
- Multifamily units authorised0
- Multifamily share of units0.0 percent
- Average declared value per unit$207,648
- Units authorised per 1,000 households4.0
Multifamily is 0.0 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Cumberland County
How much SBA lending happens in Cumberland County
- 7(a) approvals recorded28
- 7(a) gross approval dollars$8.2 m
- Average 7(a) approval$292,618
- Median 7(a) approval$150,000
- 10th percentile approval$20,000
- 90th percentile approval$705,000
- Largest single approval$1,932,100
- Jobs reported supported, 7(a)170
- Jobs per approval6.1
- Distinct 7(a) lenders active12
- Distinct industries receiving approvals22
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer17.9 percent
- Loans on real estate terms5
- Loans on working capital terms, 120 months or shorter23
- Franchise loans3
- Franchise share of approvals10.7 percent
- Leading industry by approval countResidential Remodelers (2)
- Most active lenderU.S. Bank, National Association (12)
- 504 approvals recorded2
- 504 gross approval dollars$999,000
- Average 504 approval$499,500
- Median 504 approval$523,000
- Distinct CDCs active1
- 504 jobs per approval8.0
- 504 jobs per million dollars approved16.0
- Most active CDCBrightbridge, Inc. (2)
- 7(a) share of SBA approvals93.3 percent
- Combined SBA approval dollars$9.2 m
The average approval of $292,618 sits well above the median of $150,000, 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 17.9 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 recorded3
- Paid in full3
- Charged off0
- Status: Cancelled5
- Status: Exempt from disclosure20
- Status: Paid in full3
Too few loans have reached a final outcome to publish a charge off rate. only 3 resolved loans, too few to publish a rate. A rate computed on a handful of loans is noise, so none is shown.
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 area681 sq mi
- Rank by land area among Tennessee counties4th of 95
- Width, east to west33.2 mi
- Height, north to south27.2 mi
- Geographies sharing a boundary8
- Residents per square mile of land93
- Establishments per square mile1.69
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.
- Population63,553
- Households28,195
- Average household size2.25
- Median household income$60,375
- Median age53.5
Common questions
Cumberland County questions, answered from the record.
How many people live in Cumberland County, Tennessee?
63,553, in 28,195 households, ranking 22nd of 95 Tennessee counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Cumberland County growing?
The population has grown 7.32 percent since the 2020 census base. In 2024 there were 541 births against 1,106 deaths, with net migration of 1,328. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Cumberland County?
$60,375. The median owner-occupied home is valued at $250,500, which is 4.1 times income, and median gross rent is $839 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Cumberland County?
1,153 establishments, employing 16,494 people with an annual payroll of $687.9 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 $45,674, or $878 a week, across 19,316 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?
28 7(a) approvals totalling $8.2 m since FY2020, across 12 lenders, with a median approval of $150,000, plus 2 504 approvals worth $999,000. These are approvals recorded in the release, not loans disbursed.
What is being built in Cumberland County?
114 housing units were authorised by permit in 2024, with a declared construction value of $23.7 m. Multifamily was 0.0 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Cumberland County?
Zone 3, a predicted average indoor radon screening level less than 2 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 23,928 households. Arriving households report an average income of $77,127 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.