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Cumberland
Tennessee

62K

Population

$56K

Median Income

$306K

Median Home

R+58

Politics

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What stands out

If you had to describe Cumberland County in numbers, start here: the property tax rate is in the bottom 3% of American counties (0.34%), the overdose death rate is in the top 4% of American counties (46 per 100,000), and population growth is in the top 7% of American counties (+2.0% a year). Within Tennessee it ranks 2nd of 95 counties for the property tax rate, counting from the bottom.

Where you are

You live in Cumberland County, Tennessee. 61,552 people live here with you. The population grew 2.0% last year, and more Americans moved in than out (net +1,863).

Tennessee has no income tax on wages, and its tax on interest and dividends was fully repealed in 2021. It has one of the highest combined sales-tax rates in the country and taxes groceries at a reduced rate. Nashville and the surrounding counties have had a decade of rapid growth and price increases; the rest of the state remains inexpensive. There is no estate or inheritance tax.

Money

The typical household here brings in $56,002 a year, lower than 64% of American counties. Employers pay an average wage of $45,674. Unemployment runs 4.3%, higher than 76% of American counties. 7% of workers work from home.

Tennessee has no state income tax, so none of that goes to the state.

Home

The median home costs $310K, pricier than 72% of American counties, about 3.0 years of the median household's income. A two-bedroom rents for around $746 a month. Property tax is 0.34% of home value, roughly $676 a year on that median home, lower than 97% of American counties. 79% of households own rather than rent.

Safety and health

Violent crime here is 4.4 per 1,000 residents, higher than 78% of American counties. Drug overdoses killed 46 people per 100,000 in 2024, one of the harder-hit counties in the country.

A child born here can expect to live 74.4 years, shorter than 66% of American counties. There are 87 active physicians in the county, about 14.1 per 10,000 people. Medicare rates the local hospitals 4.0 of 5 stars. 12.0% of people under 65 have no health insurance.

School

Local students test at grade level 2.92 where 3.0 is national grade level, lower than 66% of American counties. 89% of adults finished high school.

Neighbors and politics

In 2024 your neighbors voted Republican by 58 points, among the most lopsided counties in the country. 66% of eligible voters turned out. Under Tennessee law you can carry a concealed handgun without a permit, abortion is banned with narrow exceptions, and marijuana is illegal.

Weather and risk

The year averages 56°F, highs near 66 and lows near 46, warmer than 52% of American counties. About 55 inches of rain and snow fall a year. FEMA puts natural-hazard risk at 58 out of 100, riskier than 58% of American counties; the county has had 26 federal disaster declarations since 1953.

Getting around, going out

Home internet averages 255 Mbps down, faster than 76% of American counties. There are 4 airports in the county, counting general aviation. For a night or a weekend out: 0.6 full-service restaurants per 1,000 people.

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$56K
This county
national avg ~$75K
Poverty Rate14.0%
This county
national avg ~11.5%
Unemployment Rate4.3%
This county
national avg ~3.8%
GDP per Capita$39,483
Federal Spending per Capita$494
Median Individual Earnings$36K
This county
national avg $45K
Professional/Management Workers27.0%
Average Adjusted Gross Income$65K
Avg Credit Score663
Work From Home %6.8%
This county
national avg 17.0%
Population Under 1816.9%
This county
national avg 22.0%
Single-Person Households27.7%
This county
national avg 28.0%
Banks & Finance Firms47
Income (20th Percentile)$25K
Income (80th Percentile)$97K
Income (95th Percentile)$163K
Bachelor's Degree or Higher18.1%
This county
national avg 34.3%
Less Than High School10.7%
This county
national avg 11.0%
Knowledge Economy GDP %12.1%
Dependency Ratio0.94
Medicare Spending / Person$4,817
SS Benefits / Person$7,224
Education Wage Premium1.61x
Median Earnings (Bachelor's)$45K
Median Earnings (Graduate)$58K
Median Earnings (HS Diploma)$36K
Public Assistance Recipients1.8%
Average Annual Wage$46K
Professional Services Concentration0.67x national
This county
1.0 = national average share
Federal Government Jobs Located Here140
Federal Share of Jobs Located Here0.7%
Residents Who Work for the Federal Government1.4%
Federal Civilian Share of Earnings1.0%
Federal Contract Dollars Performed Here (FY2025)$4M
Contract Dollars Relative to Local Wages0.00x wages
Largest Award's Share of Contract Dollars39%
Oil and Gas Share of Earnings (incl. proprietors)0.1%

Housing

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

Median Home Value$306K
This county
$350K state avg
$303K national
Median Sale Price$295K
This county
$303K national
Market Rent (ZORI)$1686/mo
This county
$1400/mo state avg
$1400/mo national
Property Tax Rate0.34%
This county
0.45% state avg
1.10% national

Annual tax on median home: $676

Affordability & Supply

HUD Fair Market Rent (2BR)$942/mo
Home Price Change (1 yr)+6.0%++0.4% since 2024
Home Value to Income Ratio3.0x income
Severely Cost-Burdened Households7.7%
Homeownership Rate79.0%
This county
national avg ~65%

Market Activity

Sources: Zillow Research monthly · Redfin

Sale-to-List Ratio— Buyers market — homes selling below list
95.5%
Listings with Price Cuts— Low — market moving fast
24.5%
Sold Above List Price
7.0%
Median Days to Close
33 days
Active Listings
743
New Listings / Month
157

Source: Zillow Research · Updated monthly

Days on Market (Redfin)— Slow — buyers have leverage
72 days
Months of Supply (Redfin)— Balanced market
6.0 mo
Sold Above List (Redfin)
5.5%

Sale-to-List Cross-Reference

Zillow 95.5%  ·  Redfin 96.7%

Source: Redfin · Updated monthly

Health

Life Expectancy74.4 yrs
This county
national avg ~78.5 years
Hospital Rating4.0 / 5
This county
national avg 3.0 stars
Food Insecurity12.9%
This county
national avg ~11%
Food Environment Index7.0 / 10
This county
higher = better access
Primary Care Shortage Score17
This county
national avg 5
Mental Health Shortage Score17
Dental Care Shortage Score17
Healthcare Shortage Score17.0
Healthcare Offices101
Obesity Rate (BRFSS)39.8%
This county
national avg 32.0%
Smoking Rate (BRFSS)20.7%
This county
national avg 14.0%
Poor Health Rate (BRFSS)23.5%
This county
national avg 18.0%
Physical Inactivity (BRFSS)26.3%
This county
national avg 24.0%
High Blood Pressure (BRFSS)37.3%
This county
national avg 32.0%
Active Physicians87
Nursing Home Rating2.8 / 5
This county
national avg ~3 stars
ER Visits per 1,000 Medicare Patients495 / 1,000
Medicare Cost per Beneficiary$10,709
Uninsured (under 65)12.0%
This county
national avg ~10%
Adults with Depression32.4%

Education

Math Test Scores2.87 grade level
Reading Test Scores2.98 grade level
HS Diploma Holders15,017
Bachelor's Degree Holders5,206
HS Completion Rate89.3%
This county
national avg ~85%
Private Schools7

Safety

Violent Crime Rate4.4 / 1,000
This county
national avg ~4.0
Firearm Fatality Rate22.4 / 100K
This county
national avg ~13.6/100K
Homicide Rate3.8 / 100K
This county
national avg ~7.5/100K
Drug Overdose Rate38.5 / 100K
This county
national avg ~21/100K
Traffic Fatalities15
Social Vulnerability (CDC SVI)35th pct
Drug Overdose Deaths (2024)46.3 / 100K
Suicide Rate24.1 / 100K
This county
national avg ~14/100K

Climate & Air Quality

Natural Amenity Scale0.5
January Sunshine-0.77
January Temperature0.14
Average Temp56°F+1.4% since 2022
Avg High Temp66°F+0.8% since 2022
Avg Low Temp46°F+2.5% since 2022
Annual Precipitation54.5 in/yr-14% since 2022
Avg Storm Events8.2 storms/yr
Avg Annual Storm Damage$851K
Drought Index (2022)0.64
Heating Degree Days4,240 HDD/yr
This county
national avg ~4,500 HDD/yr
Cooling Degree Days999 CDD/yr
This county
national avg ~1,200 CDD/yr
Heating Degree Days (1901–2000 Baseline)4,594 HDD/yr
Cooling Degree Days (1901–2000 Baseline)885 CDD/yr
Avg Tornadoes / Year0.8
Avg Flood Events / Year1.6
Avg Hail Events / Year1.2
Avg Hurricane Events / Year0.00
Avg Wildfire Events / Year0.0
Avg Winter Storms / Year0.0
Avg Heat Events / Year0.0
Natural Hazard Risk (FEMA)58 / 100
Community Resilience (FEMA)26 / 100
Federal Disaster Declarations26 since 1953
Fine Particulate Pollution (PM2.5)7.0 µg/m³
This county
EPA standard 9 µg/m³

Outdoor & Recreation

Historic Places (NRHP)9 properties
FAA-Registered Airports6 total
Airports (excl. heliports)4 airports

Internet & Remote Work

Download Speed255 Mbps
This county
national avg ~120 Mbps
Upload Speed102 Mbps
Fixed Internet (Q1 2026)425 Mbps
Mobile Internet (Q1 2026)268 Mbps
Mobile Upload (Q1 2026)20 Mbps
Mobile Latency (Q1 2026)36 ms
Households with 100Mbps+58.9%
This county
national avg 75.0%
Cellular-Only Internet11.3%
This county
national avg 8.0%
Fixed Upload Speed (Q1 2026)255 Mbps

EV Infrastructure

EV Charging Stations2 stations
DC Fast Chargers16 chargers
Level 2 EV Chargers2

Commute & Transit

Remote Workers1,498 workers
Public Transit Commuters53 workers
Walk to Work (workers)410 workers
Extreme Commutes (90+ min)520 workers
Bike Commuters0.1%
Walk to Work1.9%

Agriculture

Farms102 farms
Farmland785 acres

Families & Childcare

Childcare Cost Burden25.7%
This county
national median ~27% of household income
Childcare Centers7.5 per 10K residents
Childcare Facilities8

Civic & Community

Voter Turnout65.8%
This county
national avg ~55%
Volunteering Rate1.0%
Income Inequality (Gini)3.822
Nonprofit Organizations128
Veterans Share11.4%
This county
national avg 7.0%
Married Adults60.7%
Never-Married Adults18.0%
Divorced Adults12.7%
Religious Organizations53
Asian Population0.3%
Native American Population0.2%
Membership Associations9.6 per 10K residents

Lifestyle & Services

Full-Service Restaurants0.62 per 1K residents
Colleges & Universities1
Nursing & Care Facilities16
Grocery Stores11
Hotels & Lodging14
Recreation Businesses9
Professional Services Firms92
Veterinary Practices11
Real Estate Firms37
Debt Burden
Avg Mortgage Balance$52K
Avg Student Loan Balance$6K
Avg Credit Card Balance$4K
Loan Delinquency Rate50.4%
This county
national avg 4.0%

Innovation

Inventor Rate0.10%

Politics

R+58

2024 Presidential · Tennessee was R+24 statewide

vs Tennessee State

Income tax
NoneSame (state law)
Property tax
0.34%0.45% state avg
Politics
R+58R+24
COL Index
92state index (no county figure)

Population & Migration

Net Domestic Migration 2023

↑ +2K

More people arriving than leaving

IRS Wealth Migration

Wealthier people moving in (IRS: 1.18x avg income)

Economic Mobility

39%

chance a low-income child reaches the middle class

Source: Opportunity Insights

Real Estate

Find Homes in Cumberland County

Median home value: $310K

View on Zillow →View on Realtor.com →

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Full Tennessee profile

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

View Tennessee →

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