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Cumberland
Pennsylvania

261K

Population

$83K

Median Income

$348K

Median Home

R+9

Politics

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What stands out

If you had to describe Cumberland County in numbers, start here: the school test score is in the top 9% of American counties (3.38 where 3.0 is grade level), the median household income is in the top 10% of American counties ($82,849), and the share working from home is in the top 11% of American counties (13%). Within Pennsylvania it ranks 16th of 67 counties for the school test score.

Where you are

You live in Cumberland County, Pennsylvania. 261,269 people live here with you. The population grew 0.8% last year, and more Americans moved in than out (net +1,773).

Pennsylvania has a flat 3.07% income tax and exempts all retirement income, including Social Security, pensions and 401(k) and IRA withdrawals after age 59½. It is one of six states with an inheritance tax, which applies even to children at 4.5%. Local earned-income taxes of 1% to nearly 4% apply in most municipalities, and Philadelphia's wage tax is the highest of any city in the country.

Money

The typical household here brings in $82,849 a year, higher than 90% of American counties. Employers pay an average wage of $65,149. Unemployment runs 3.4%, higher than 50% of American counties. 13% of workers work from home.

Pennsylvania takes 3.1% of that median income in state income tax, about $2,543 a year.

Home

The median home costs $350K, pricier than 79% of American counties, about 2.4 years of the median household's income. A two-bedroom rents for around $1,157 a month. Property tax is 1.25% of home value, roughly $3,065 a year on that median home, higher than 75% of American counties. 70% of households own rather than rent.

Safety and health

Violent crime here is 3.2 per 1,000 residents, lower than 86% of American counties. Drug overdoses killed 8 people per 100,000 in 2024.

A child born here can expect to live 79.6 years, longer than 89% of American counties. There are 801 active physicians in the county, about 30.7 per 10,000 people. Medicare rates the local hospitals 3.7 of 5 stars. 7.4% of people under 65 have no health insurance.

School

Local students test at grade level 3.35 where 3.0 is national grade level, higher than 91% of American counties. 93% of adults finished high school.

Neighbors and politics

In 2024 your neighbors voted Republican by 9 points. 73% of eligible voters turned out. Under Pennsylvania law you can get a concealed-carry permit on request, abortion is protected by state law, and marijuana is medical only.

Weather and risk

The year averages 53°F, highs near 63 and lows near 42, colder than 62% of American counties. About 39 inches of rain and snow fall a year. FEMA puts natural-hazard risk at 74 out of 100, riskier than 74% of American counties; the county has had 19 federal disaster declarations since 1953.

Getting around, going out

Home internet averages 270 Mbps down, faster than 83% of American counties. There are 4 airports in the county, counting general aviation. For a night or a weekend out: 0.7 full-service restaurants per 1,000 people, 3 breweries, 3 museums, 1 National Park Service site.

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$83K
This county
national avg ~$75K
Poverty Rate7.9%
This county
national avg ~11.5%
Unemployment Rate3.4%
This county
national avg ~3.8%
GDP per Capita$80,458
Federal Spending per Capita$4,795
Median Individual Earnings$49K
This county
national avg $45K
Professional/Management Workers44.4%
Average Adjusted Gross Income$89K
Avg Credit Score709
Work From Home %13.0%
This county
national avg 17.0%
Population Under 1820.3%
This county
national avg 22.0%
Single-Person Households30.4%
This county
national avg 28.0%
Banks & Finance Firms137
Income (20th Percentile)$39K
Income (80th Percentile)$153K
Income (95th Percentile)$250K
Bachelor's Degree or Higher38.7%
This county
national avg 34.3%
Less Than High School6.5%
This county
national avg 11.0%
Knowledge Economy GDP %21.8%
Dependency Ratio0.64
Medicare Spending / Person$3,101
SS Benefits / Person$4,177
Education Wage Premium2.03x
Median Earnings (Bachelor's)$66K
Median Earnings (Graduate)$80K
Median Earnings (HS Diploma)$39K
Public Assistance Recipients1.8%
Average Annual Wage$65K
Professional Services Concentration0.99x national
This county
1.0 = national average share
Federal Government Jobs Located Here4,730
Federal Share of Jobs Located Here3.4%
Residents Who Work for the Federal Government4.5%
Federal Civilian Share of Earnings4.4%
Federal Contract Dollars Performed Here (FY2025)$1.2B
Contract Dollars Relative to Local Wages0.14x wages
Largest Award's Share of Contract Dollars14%

Housing

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

Median Home Value$348K
This county
$270K state avg
$303K national
Median Sale Price$306K
This county
$303K national
Market Rent (ZORI)$1660/mo
This county
$1350/mo state avg
$1400/mo national
Property Tax Rate1.25%
This county
1.43% state avg
1.10% national

Annual tax on median home: $3,065

Affordability & Supply

HUD Fair Market Rent (2BR)$1,493/mo
Home Price Change (1 yr)+3.9%−+2.4% since 2024
Home Value to Income Ratio2.4x income
Severely Cost-Burdened Households9.6%
Homeownership Rate70.2%
This county
national avg ~65%

Market Activity

Sources: Zillow Research monthly · Redfin

Sale-to-List Ratio— Buyers market — homes selling below list
99.3%
Listings with Price Cuts— Low — market moving fast
21.3%
Sold Above List Price
34.0%
Median Days to Close
33 days
Active Listings
459
New Listings / Month
233

Source: Zillow Research · Updated monthly

Days on Market (Redfin)— Fast market
8 days
Months of Supply (Redfin)— Low inventory — sellers market
1.5 mo
Sold Above List (Redfin)— Competitive — many homes bid up
45.0%

Sale-to-List Cross-Reference

Zillow 99.3%  ·  Redfin 100.6%

Source: Redfin · Updated monthly

Health

Life Expectancy79.6 yrs
This county
national avg ~78.5 years
Hospital Rating3.7 / 5
This county
national avg 3.0 stars
Food Insecurity7.2%
This county
national avg ~11%
Food Environment Index8.8 / 10
This county
higher = better access
Primary Care Shortage Score12
This county
national avg 5
Mental Health Shortage Score10
Dental Care Shortage Score23
Healthcare Shortage Score15.0
Healthcare Offices591
Active Physicians801
Nursing Home Rating3.1 / 5
This county
national avg ~3 stars
ER Visits per 1,000 Medicare Patients512 / 1,000
Medicare Cost per Beneficiary$12,101
Uninsured (under 65)7.4%
This county
national avg ~10%

Education

Math Test Scores3.38 grade level
Reading Test Scores3.33 grade level
HS Diploma Holders50,153
Bachelor's Degree Holders43,025
HS Completion Rate93.5%
This county
national avg ~85%
Private Schools77

Safety

Violent Crime Rate3.2 / 1,000
This county
national avg ~4.0
Firearm Fatality Rate8.3 / 100K
This county
national avg ~13.6/100K
Homicide Rate1.5 / 100K
This county
national avg ~7.5/100K
Drug Overdose Rate18.5 / 100K
This county
national avg ~21/100K
Traffic Fatalities21
Social Vulnerability (CDC SVI)21th pct
Drug Overdose Deaths (2024)8.1 / 100K
Suicide Rate11.1 / 100K
This county
national avg ~14/100K

Climate & Air Quality

Natural Amenity Scale-0.6
January Sunshine-0.20
January Temperature-0.23
Average Temp53°Fno change since 2022
Avg High Temp63°F+0.2% since 2022
Avg Low Temp42°Fno change since 2022
Median AQIAQI 44
Good Air Days212 days/yr
Unhealthy Air Days7 days/yr
Annual Precipitation39.2 in/yr-8.6% since 2022
Avg Storm Events10.0 storms/yr
Avg Annual Storm Damage$31K
Ozone Days0 days/yr
This county
national avg 50 days/yr
Drought Index (2022)-0.02
Heating Degree Days5,258 HDD/yr
This county
national avg ~4,500 HDD/yr
Cooling Degree Days939 CDD/yr
This county
national avg ~1,200 CDD/yr
Heating Degree Days (1901–2000 Baseline)5,755 HDD/yr
Cooling Degree Days (1901–2000 Baseline)725 CDD/yr
Avg Tornadoes / Year0.2
Avg Flood Events / Year0.4
Avg Hail Events / Year0.6
Avg Hurricane Events / Year0.00
Avg Wildfire Events / Year0.0
Avg Winter Storms / Year0.0
Avg Heat Events / Year0.0
Natural Hazard Risk (FEMA)74 / 100
Community Resilience (FEMA)96 / 100
Federal Disaster Declarations19 since 1953
Fine Particulate Pollution (PM2.5)8.9 µg/m³
This county
EPA standard 9 µg/m³

Outdoor & Recreation

National Park Units1 unit
Historic Places (NRHP)36 properties
FAA-Registered Airports11 total
Airports (excl. heliports)4 airports

Brewery Scene

Total Breweries3 breweries
Microbreweries2 microbreweries
Brewpubs1 brewpubs

Internet & Remote Work

Download Speed270 Mbps
This county
national avg ~120 Mbps
Upload Speed88 Mbps
Fixed Internet (Q1 2026)405 Mbps
Mobile Internet (Q1 2026)364 Mbps
Mobile Upload (Q1 2026)26 Mbps
Mobile Latency (Q1 2026)30 ms
Households with 100Mbps+93.3%
This county
national avg 75.0%
Cellular-Only Internet8.3%
This county
national avg 8.0%
Fixed Upload Speed (Q1 2026)151 Mbps

EV Infrastructure

EV Charging Stations51 stations
DC Fast Chargers47 chargers
Level 2 EV Chargers94

Commute & Transit

Remote Workers16,745 workers
Public Transit Commuters556 workers
Walk to Work (workers)4,477 workers
Extreme Commutes (90+ min)2,341 workers
Bike Commuters0.3%
Walk to Work3.5%

Families & Childcare

Childcare Cost Burden31.1%
This county
national median ~27% of household income
Childcare Centers7.2 per 10K residents
Childcare Facilities57

Civic & Community

Voter Turnout73.1%
This county
national avg ~55%
Volunteering Rate1.0%
Income Inequality (Gini)3.909
Nonprofit Organizations1,065
Veterans Share8.4%
This county
national avg 7.0%
Married Adults52.7%
Never-Married Adults31.3%
Divorced Adults9.9%
Religious Organizations214
Asian Population5.0%
Native American Population0.1%
Membership Associations12.8 per 10K residents

Lifestyle & Services

Full-Service Restaurants0.73 per 1K residents
Colleges & Universities4
Nursing & Care Facilities75
Grocery Stores54
Arts & Entertainment Venues16
Hotels & Lodging65
Recreation Businesses65
Professional Services Firms738
Veterinary Practices63
Real Estate Firms211
Museums3
Debt Burden
Avg Mortgage Balance$97K
Avg Student Loan Balance$10K
Avg Credit Card Balance$5K
Loan Delinquency Rate34.0%
This county
national avg 4.0%

Innovation

Inventor Rate0.25%

Politics

R+9

2024 Presidential · Pennsylvania was R+2 statewide

vs Pennsylvania State

Income tax
3.07%Same (state law)
Property tax
1.25%1.43% state avg
Politics
R+9R+2
COL Index
97state index (no county figure)

Population & Migration

Net Domestic Migration 2023

↑ +2K

More people arriving than leaving

IRS Wealth Migration

Lower-income migration pattern (IRS: 0.75x avg income)

Economic Mobility

45%

chance a low-income child reaches the middle class

Source: Opportunity Insights

Real Estate

Find Homes in Cumberland County

Median home value: $350K

View on Zillow →View on Realtor.com →

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Full Pennsylvania 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