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Cumberland
Virginia

10K

Population

$56K

Median Income

$285K

Median Home

R+20

Politics

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What stands out

If you had to describe Cumberland County in numbers, start here: natural-hazard risk is in the bottom 8% of American counties (8 of 100) and the restaurant count per person is in the bottom 12% of American counties (0.4 per 1,000). Within Virginia it ranks 19th of 133 counties for natural-hazard risk, counting from the bottom.

Where you are

You live in Cumberland County, Virginia. 9,697 people live here with you, so most faces are familiar. The population grew 1.3% last year, and more Americans moved in than out (net +167).

Virginia has a graduated income tax with a 5.75% top rate that begins at just $17,000 of income, so most residents pay near the top rate. It does not tax Social Security and allows an age deduction of up to $12,000 for residents 65 and over. Northern Virginia's federal and defense economy produces incomes closer to the Washington suburbs of Maryland than to the rest of the state. Localities levy annual property tax on vehicles.

Money

The typical household here brings in $56,497 a year, lower than 63% of American counties. Employers pay an average wage of $45,970. Unemployment runs 3.4%, lower than 52% of American counties. 9% of workers work from home.

Virginia takes 5.3% of that median income in state income tax, about $2,991 a year.

Home

The median home costs $290K, pricier than 67% of American counties, about 3.1 years of the median household's income. A two-bedroom rents for around $833 a month. Property tax is 0.64% of home value, roughly $1,331 a year on that median home, lower than 73% of American counties. 78% of households own rather than rent.

Safety and health

Violent crime here is 3.8 per 1,000 residents, lower than 54% of American counties. Drug overdoses killed 15 people per 100,000 in 2024.

A child born here can expect to live 77.6 years, longer than 70% of American counties. There are 3 active physicians in the county, about 3.1 per 10,000 people. 7.2% of people under 65 have no health insurance.

School

Local students test at grade level 3.19 where 3.0 is national grade level, higher than 75% of American counties. 86% of adults finished high school.

Neighbors and politics

In 2024 your neighbors voted Republican by 20 points. 67% of eligible voters turned out. Under Virginia law you can get a concealed-carry permit on request, abortion is legal with limits, and marijuana is legal for adults.

Weather and risk

The year averages 59°F, highs near 70 and lows near 47, warmer than 62% of American counties. About 45 inches of rain and snow fall a year. FEMA puts natural-hazard risk at 8 out of 100, safer than 92% of American counties; the county has had 23 federal disaster declarations since 1953.

Getting around, going out

Home internet averages 163 Mbps down, slower than 66% of American counties. There is 1 airport in the county, counting general aviation. For a night or a weekend out: 0.4 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 Rate15.1%
This county
national avg ~11.5%
Unemployment Rate3.4%
This county
national avg ~3.8%
GDP per Capita$21,039
Federal Spending per Capita$6
Median Individual Earnings$37K
This county
national avg $45K
Professional/Management Workers28.3%
Average Adjusted Gross Income$55K
Avg Credit Score651
Work From Home %8.7%
This county
national avg 17.0%
Population Under 1819.6%
This county
national avg 22.0%
Single-Person Households24.3%
This county
national avg 28.0%
Income (20th Percentile)$34K
Income (80th Percentile)$117K
Income (95th Percentile)$250K
Bachelor's Degree or Higher18.5%
This county
national avg 34.3%
Less Than High School13.9%
This county
national avg 11.0%
Knowledge Economy GDP %10.2%
Dependency Ratio0.73
Medicare Spending / Person$2,042
SS Benefits / Person$4,511
Education Wage Premium1.49x
Median Earnings (Bachelor's)$68K
Median Earnings (Graduate)$44K
Median Earnings (HS Diploma)$30K
Public Assistance Recipients1.1%
Average Annual Wage$46K
Professional Services Concentration0.91x national
This county
1.0 = national average share
Federal Government Jobs Located Here13
Federal Share of Jobs Located Here0.9%
Residents Who Work for the Federal Government3.0%
Federal Civilian Share of Earnings1.0%
Federal Contract Dollars Performed Here (FY2025)$274,604
Contract Dollars Relative to Local Wages0.00x wages
Largest Award's Share of Contract Dollars34%
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$285K
This county
$390K state avg
$303K national
Market Rent (ZORI)$803/mo
This county
$1700/mo state avg
$1400/mo national
Property Tax Rate0.64%
This county
0.74% state avg
1.10% national

Annual tax on median home: $1,331

Affordability & Supply

HUD Fair Market Rent (2BR)$997/mo
Home Price Change (1 yr)+7.8%++4.3% since 2024
Home Value to Income Ratio3.1x income
Severely Cost-Burdened Households8.6%
Homeownership Rate77.6%
This county
national avg ~65%

Market Activity

Sources: Zillow Research monthly · Redfin

Listings with Price Cuts— Low — market moving fast
24.1%
Active Listings
23
New Listings / Month
8

Source: Zillow Research · Updated monthly

Days on Market (Redfin)— Fast market
7 days
Months of Supply (Redfin)— Low inventory — sellers market
2.2 mo
Sold Above List (Redfin)
25.0%
Sale-to-List Ratio (Redfin)— Sellers market — homes selling at or above list
100.2%

Source: Redfin · Updated monthly

Health

Life Expectancy77.6 yrs
This county
national avg ~78.5 years
Food Insecurity5.6%
This county
national avg ~11%
Food Environment Index7.7 / 10
This county
higher = better access
Primary Care Shortage Score18
This county
national avg 5
Mental Health Shortage Score17
Dental Care Shortage Score16
Healthcare Shortage Score17.0
Obesity Rate (BRFSS)39.4%
This county
national avg 32.0%
Smoking Rate (BRFSS)15.9%
This county
national avg 14.0%
Poor Health Rate (BRFSS)20.7%
This county
national avg 18.0%
Physical Inactivity (BRFSS)26.3%
This county
national avg 24.0%
High Blood Pressure (BRFSS)35.6%
This county
national avg 32.0%
Active Physicians3
ER Visits per 1,000 Medicare Patients672 / 1,000
Medicare Cost per Beneficiary$12,953
Uninsured (under 65)7.2%
This county
national avg ~10%
Adults with Depression24.5%

Education

Reading Test Scores3.19 grade level
HS Diploma Holders1,985
Bachelor's Degree Holders705
HS Completion Rate86.1%
This county
national avg ~85%

Safety

Violent Crime Rate3.8 / 1,000
This county
national avg ~4.0
Firearm Fatality Rate20.3 / 100K
This county
national avg ~13.6/100K
Traffic Fatalities2
Social Vulnerability (CDC SVI)44th pct
Drug Overdose Deaths (2024)15.1 / 100K
Suicide Rate20.0 / 100K
This county
national avg ~14/100K

Climate & Air Quality

Natural Amenity Scale-1.5
January Sunshine0.11
January Temperature0.43
Average Temp59°F+1.0% since 2022
Avg High Temp70°F+1.2% since 2022
Avg Low Temp47°F+0.6% since 2022
Annual Precipitation45.2 in/yr+2.7% since 2022
Avg Storm Events6.8 storms/yr
Avg Annual Storm Damage$39K
Drought Index (2022)-0.22
Heating Degree Days3,796 HDD/yr
This county
national avg ~4,500 HDD/yr
Cooling Degree Days1,434 CDD/yr
This county
national avg ~1,200 CDD/yr
Heating Degree Days (1901–2000 Baseline)4,304 HDD/yr
Cooling Degree Days (1901–2000 Baseline)1,140 CDD/yr
Avg Tornadoes / Year0.0
Avg Flood Events / Year0.2
Avg Hail Events / Year0.4
Avg Hurricane Events / Year0.00
Avg Wildfire Events / Year0.0
Avg Winter Storms / Year0.0
Avg Heat Events / Year0.0
Natural Hazard Risk (FEMA)8 / 100
Community Resilience (FEMA)27 / 100
Federal Disaster Declarations23 since 1953
Fine Particulate Pollution (PM2.5)6.7 µg/m³
This county
EPA standard 9 µg/m³

Outdoor & Recreation

Historic Places (NRHP)17 properties
FAA-Registered Airports1 total
Airports (excl. heliports)1 airports

Internet & Remote Work

Download Speed163 Mbps
This county
national avg ~120 Mbps
Upload Speed169 Mbps
Fixed Internet (Q1 2026)265 Mbps
Mobile Internet (Q1 2026)143 Mbps
Mobile Upload (Q1 2026)15 Mbps
Mobile Latency (Q1 2026)44 ms
Households with 100Mbps+39.1%
This county
national avg 75.0%
Cellular-Only Internet28.6%
This county
national avg 8.0%
Fixed Upload Speed (Q1 2026)193 Mbps

Commute & Transit

Remote Workers427 workers
Public Transit Commuters0 workers
Walk to Work (workers)81 workers
Extreme Commutes (90+ min)487 workers
Walk to Work1.6%

Families & Childcare

Childcare Cost Burden22.6%
This county
national median ~27% of household income
Childcare Centers4.4 per 10K residents

Civic & Community

Voter Turnout67.1%
This county
national avg ~55%
Volunteering Rate1.0%
Income Inequality (Gini)3.455
Nonprofit Organizations36
Veterans Share8.5%
This county
national avg 7.0%
Married Adults53.8%
Never-Married Adults29.0%
Divorced Adults10.1%
Religious Organizations3
Asian Population0.8%
Native American Population0.0%
Membership Associations3.1 per 10K residents

Lifestyle & Services

Full-Service Restaurants0.40 per 1K residents
Nursing & Care Facilities5
Grocery Stores5
Professional Services Firms5
Real Estate Firms7
Debt Burden
Avg Mortgage Balance$51K
Avg Student Loan Balance$12K
Avg Credit Card Balance$4K
Loan Delinquency Rate53.5%
This county
national avg 4.0%

Innovation

Inventor Rate0.07%

Politics

R+20

2024 Presidential · Virginia was D+3 statewide

vs Virginia State

Income tax
5.75%Same (state law)
Property tax
0.64%0.74% state avg
Politics
R+20D+3
COL Index
102state index (no county figure)

Population & Migration

Net Domestic Migration 2023

↑ +167

More people arriving than leaving

IRS Wealth Migration

Lower-income migration pattern (IRS: 0.91x avg income)

Economic Mobility

36%

chance a low-income child reaches the middle class

Source: Opportunity Insights

Real Estate

Find Homes in Cumberland County

Median home value: $290K

View on Zillow →View on Realtor.com →

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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