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Cumberland
New Jersey

154K

Population

$62K

Median Income

$276K

Median Home

Swing

Politics

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What stands out

If you had to describe Cumberland County in numbers, start here: the property tax rate is among the highest in America (2.58%), the overdose death rate is in the top 4% of American counties (45 per 100,000), and natural-hazard risk is in the top 8% of American counties (92 of 100). Within New Jersey it ranks 8th of 21 counties for the property tax rate.

Where you are

You live in Cumberland County, New Jersey. 153,588 people live here with you. The population grew 0.7% last year, and more Americans moved in than out (net +382).

New Jersey has the highest property taxes in the nation, averaging more than $9,000 a year per home, and a graduated income tax reaching 10.75% above $1 million. It repealed its estate tax in 2018 but kept an inheritance tax on non-family heirs. Social Security is not taxed, and retirement income up to $100,000 is excluded for many couples. The whole state is within commuting range of New York or Philadelphia.

Money

The typical household here brings in $62,310 a year, higher than 55% of American counties. Employers pay an average wage of $57,729. Unemployment runs 5.1%, higher than 90% of American counties. 5% of workers work from home.

New Jersey takes 3.1% of that median income in state income tax, about $1,950 a year.

Home

The median home costs $279K, pricier than 64% of American counties, about 2.5 years of the median household's income. A two-bedroom rents for around $1,201 a month. Property tax is 2.58% of home value, roughly $4,986 a year on that median home, higher than almost every county in America. 66% of households own rather than rent.

Safety and health

Violent crime here is 4.4 per 1,000 residents, higher than 76% of American counties. Drug overdoses killed 45 people per 100,000 in 2024, one of the harder-hit counties in the country.

A child born here can expect to live 74.0 years, shorter than 70% of American counties. There are 242 active physicians in the county, about 15.8 per 10,000 people. Medicare rates the local hospitals 3.0 of 5 stars. 12.1% of people under 65 have no health insurance.

School

Local students test at grade level 2.67 where 3.0 is national grade level, lower than 87% of American counties. 81% of adults finished high school.

Neighbors and politics

In 2024 your neighbors voted almost evenly. 59% of eligible voters turned out. Under New Jersey law you need local approval to carry a concealed handgun, abortion is protected by state law, and marijuana is legal for adults.

Weather and risk

The year averages 55°F, highs near 65 and lows near 46, colder than 52% of American counties. About 39 inches of rain and snow fall a year. FEMA puts natural-hazard risk at 92 out of 100, riskier than 92% of American counties; the county has had 31 federal disaster declarations since 1953.

Getting around, going out

Home internet averages 274 Mbps down, faster than 86% of American counties. There are 8 airports in the county, counting general aviation. For a night or a weekend out: 0.5 full-service restaurants per 1,000 people, 1 brewery, 5 museums.

Written from the figures below. Percentiles compare this county with every other county that reports the same figure; missing figures are left out rather than guessed.

Economy

Median Household Income$62K
This county
national avg ~$75K
Poverty Rate15.5%
This county
national avg ~11.5%
Unemployment Rate5.1%
This county
national avg ~3.8%
GDP per Capita$53,347
Federal Spending per Capita$1,097
Median Individual Earnings$42K
This county
national avg $45K
Professional/Management Workers28.4%
Average Adjusted Gross Income$59K
Avg Credit Score653
Work From Home %4.8%
This county
national avg 17.0%
Population Under 1823.8%
This county
national avg 22.0%
Single-Person Households25.9%
This county
national avg 28.0%
Banks & Finance Firms53
Income (20th Percentile)$24K
Income (80th Percentile)$128K
Income (95th Percentile)$226K
Bachelor's Degree or Higher17.3%
This county
national avg 34.3%
Less Than High School18.8%
This county
national avg 11.0%
Dependency Ratio0.65
Medicare Spending / Person$3,355
SS Benefits / Person$3,748
Education Wage Premium2.20x
Median Earnings (Bachelor's)$61K
Median Earnings (Graduate)$75K
Median Earnings (HS Diploma)$34K
Public Assistance Recipients3.9%
Average Annual Wage$58K
Professional Services Concentration0.49x national
This county
1.0 = national average share
Federal Government Jobs Located Here604
Federal Share of Jobs Located Here1.0%
Residents Who Work for the Federal Government2.8%
Federal Civilian Share of Earnings1.6%
Federal Contract Dollars Performed Here (FY2025)$52M
Contract Dollars Relative to Local Wages0.01x wages
Largest Award's Share of Contract Dollars7%

Housing

Sources: Zillow ZHVI · Census ACS 2022 · Tax Foundation 2023 (effective rates)

Median Home Value$276K
This county
$500K state avg
$303K national
Median Sale Price$237K
This county
$303K national
Market Rent (ZORI)$1595/mo
This county
$2200/mo state avg
$1400/mo national
Property Tax Rate2.58%
This county
2.13% state avg
1.10% national

Annual tax on median home: $4,986

Affordability & Supply

HUD Fair Market Rent (2BR)$1,673/mo
Home Price Change (1 yr)+6.2%−+3.4% since 2024
Home Value to Income Ratio2.5x income
Severely Cost-Burdened Households19.2%
Homeownership Rate66.0%
This county
national avg ~65%

Market Activity

Sources: Zillow Research monthly · Redfin

Sale-to-List Ratio— Buyers market — homes selling below list
97.9%
Listings with Price Cuts— Low — market moving fast
20.2%
Sold Above List Price
32.9%
Median Days to Close
33 days
Active Listings
371
New Listings / Month
108

Source: Zillow Research · Updated monthly

Days on Market (Redfin)— Average pace
31 days
Months of Supply (Redfin)— Balanced market
3.7 mo
Sold Above List (Redfin)— Competitive — many homes bid up
42.2%

Sale-to-List Cross-Reference

Zillow 97.9%  ·  Redfin 99.0%

Source: Redfin · Updated monthly

Health

Life Expectancy74.0 yrs
This county
national avg ~78.5 years
Hospital Rating3.0 / 5
This county
national avg 3.0 stars
Food Insecurity10.4%
This county
national avg ~11%
Food Environment Index7.4 / 10
This county
higher = better access
Primary Care Shortage Score12
This county
national avg 5
Mental Health Shortage Score20
Dental Care Shortage Score22
Healthcare Shortage Score18.0
Healthcare Offices255
Obesity Rate (BRFSS)40.4%
This county
national avg 32.0%
Smoking Rate (BRFSS)16.6%
This county
national avg 14.0%
Poor Health Rate (BRFSS)24.1%
This county
national avg 18.0%
Physical Inactivity (BRFSS)32.0%
This county
national avg 24.0%
High Blood Pressure (BRFSS)36.0%
This county
national avg 32.0%
Active Physicians242
Nursing Home Rating2.8 / 5
This county
national avg ~3 stars
ER Visits per 1,000 Medicare Patients707 / 1,000
Medicare Cost per Beneficiary$14,409
Uninsured (under 65)12.1%
This county
national avg ~10%
Adults with Depression16.4%

Education

Math Test Scores2.64 grade level
Reading Test Scores2.70 grade level
HS Diploma Holders34,105
Bachelor's Degree Holders12,061
HS Completion Rate81.2%
This county
national avg ~85%
Private Schools33

Safety

Violent Crime Rate4.4 / 1,000
This county
national avg ~4.0
Firearm Fatality Rate9.8 / 100K
This county
national avg ~13.6/100K
Homicide Rate8.0 / 100K
This county
national avg ~7.5/100K
Drug Overdose Rate52.2 / 100K
This county
national avg ~21/100K
Traffic Fatalities68
Social Vulnerability (CDC SVI)98th pct
Drug Overdose Deaths (2024)45.3 / 100K
Suicide Rate9.3 / 100K
This county
national avg ~14/100K

Climate & Air Quality

Natural Amenity Scale0.4
January Sunshine-0.02
January Temperature0.03
Average Temp55°F-0.7% since 2022
Avg High Temp65°F-1.2% since 2022
Avg Low Temp46°F-0.2% since 2022
Median AQIAQI 43
Good Air Days262 days/yr
Unhealthy Air Days5 days/yr
Annual Precipitation39.0 in/yr-1.5% since 2022
Avg Storm Events9.6 storms/yr
Avg Annual Storm Damage$0
Ozone Days199 days/yr
This county
national avg 50 days/yr
Drought Index (2022)-0.70
Heating Degree Days4,576 HDD/yr
This county
national avg ~4,500 HDD/yr
Cooling Degree Days1,108 CDD/yr
This county
national avg ~1,200 CDD/yr
Heating Degree Days (1901–2000 Baseline)5,143 HDD/yr
Cooling Degree Days (1901–2000 Baseline)830 CDD/yr
Avg Tornadoes / Year0.2
Avg Flood Events / Year0.6
Avg Hail Events / Year0.8
Avg Hurricane Events / Year0.00
Avg Wildfire Events / Year0.0
Avg Winter Storms / Year0.0
Avg Heat Events / Year0.0
Natural Hazard Risk (FEMA)92 / 100
Community Resilience (FEMA)67 / 100
Federal Disaster Declarations31 since 1953
Fine Particulate Pollution (PM2.5)8.3 µg/m³
This county
EPA standard 9 µg/m³

Outdoor & Recreation

Historic Places (NRHP)33 properties
FAA-Registered Airports13 total
Airports (excl. heliports)8 airports

Brewery Scene

Total Breweries1 breweries
Microbreweries1 microbreweries
Brewpubs0 brewpubs

Internet & Remote Work

Download Speed274 Mbps
This county
national avg ~120 Mbps
Upload Speed53 Mbps
Fixed Internet (Q1 2026)390 Mbps
Mobile Internet (Q1 2026)248 Mbps
Mobile Upload (Q1 2026)26 Mbps
Mobile Latency (Q1 2026)28 ms
Households with 100Mbps+97.3%
This county
national avg 75.0%
Cellular-Only Internet11.4%
This county
national avg 8.0%
Fixed Upload Speed (Q1 2026)106 Mbps

EV Infrastructure

EV Charging Stations9 stations
DC Fast Chargers18 chargers
Level 2 EV Chargers11

Commute & Transit

Remote Workers2,928 workers
Public Transit Commuters869 workers
Walk to Work (workers)739 workers
Extreme Commutes (90+ min)941 workers
Bike Commuters0.5%
Walk to Work1.2%

Families & Childcare

Childcare Cost Burden31.5%
This county
national median ~27% of household income
Childcare Centers7.0 per 10K residents
Childcare Facilities31

Civic & Community

Voter Turnout59.2%
This county
national avg ~55%
Volunteering Rate1.0%
Income Inequality (Gini)5.245
Nonprofit Organizations546
Veterans Share4.8%
This county
national avg 7.0%
Married Adults42.7%
Never-Married Adults41.2%
Divorced Adults9.7%
Religious Organizations96
Asian Population1.6%
Native American Population0.9%
Membership Associations9.4 per 10K residents

Lifestyle & Services

Full-Service Restaurants0.51 per 1K residents
Nursing & Care Facilities79
Grocery Stores66
Arts & Entertainment Venues5
Hotels & Lodging15
Recreation Businesses29
Professional Services Firms174
Veterinary Practices14
Real Estate Firms81
Museums5
Debt Burden
Avg Mortgage Balance$60K
Avg Student Loan Balance$10K
Avg Credit Card Balance$4K
Loan Delinquency Rate55.6%
This county
national avg 4.0%

Innovation

Inventor Rate0.23%

Politics

Swing

2024 Presidential · New Jersey was D+6 statewide

vs New Jersey State

Income tax
10.75%Same (state law)
Property tax
2.58%2.13% state avg
Politics
SwingD+6
COL Index
121state index (no county figure)

Population & Migration

Net Domestic Migration 2023

↑ +382

More people arriving than leaving

IRS Wealth Migration

Lower-income migration pattern (IRS: 0.84x avg income)

Economic Mobility

37%

chance a low-income child reaches the middle class

Source: Opportunity Insights

Real Estate

Find Homes in Cumberland County

Median home value: $279K

View on Zillow →View on Realtor.com →

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Full New Jersey profile

Taxes, cost of living, crime, schools, gun laws and more.

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Data: Census ACS, BLS, Zillow, USDA Natural Amenities, OpenElections 2024, CMS, NCES. Vintage 2022–2025. News via Google News.

Your Priorities

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Quick Profiles

Dial in your priorities

Annual Income

$150K

Affects effective income tax rate

$0$500K$5M+

Retirement Savings

$0

Affects pension and SS tax burden

None$500K$10M+

Social Security

None

Annual Social Security benefit

None$150K/yr

My Property Is Worth

$400K

Affects property tax burden

Tax burden ↓$1M$50M+

Home Buying Budget

$400K

Compared to state median home price

Hard to find$250K$5M+

Monthly Rent Budget

Don't care

Compared to state median 2BR rent

Don't care$10K/mo

Job Market

Don't care

State unemployment and job growth

Don't careHot market

Airport Access

Don't care

Direct flight destinations from state hubs

Don't careMust have hub

City vs Country

Mid-size city

% urban population

Deep countryBig city

Sunshine

Don't care

Annual sunny days per state

Don't careMax sunshine

Food Scene

Don't care

Restaurants per 100K residents

Don't careWorld-class

Political Preference

Neutral

State's political lean

LiberalConservative

Gun Laws

Neutral

State gun law grade (Giffords)

Gun Control2A Freedom

Abortion Access

Neutral

State abortion access policy

Pro-ChoiceNeutralPro-Life

Community

None

Congregations per 100K residents

AvoidDon't careSeek

Sports & Entertainment

Don't care

Pro sports teams and major venues

Don't careMust have pro teams

Cannabis Laws

Neutral

State cannabis legality

Prefer LegalNeutralPrefer Prohibition

Retiree Community

Neutral

% population 65+ (Census)

Young areaRetirement-heavy

Dating Market

Neutral

% adults never-married (Census)

Singles sceneFamily community

Safety / Low Crime

Don't care

Violent crime rate per 100K (FBI)

Don't careVery safe

School Quality

Don't care

K-12 rank (Education Week)

Don't careTop-ranked

Healthcare Access

Don't care

Healthcare system rank (Commonwealth Fund)

Don't careTop-ranked

Childcare Affordability

Don't care

Cost of living proxy for childcare affordability

Don't careMust be affordable