City profile · Maryland · Census ACS 2023

Cumberland, MD

Population, income, housing, safety, climate and schools for Cumberland - drawn straight from Census ACS, FBI UCR, NOAA, NCES, HUD and FEMA, refreshed on the 2024–2025 release cycle.

18,938
Residents
$47,819
Median income
$120,800
Median home
$973
Median rent (state)

Cumberland - the verdict

Out of every US city with 1,000+ residents, Cumberland places in the 16th percentile for household income and the 6th percentile for safety. Source: Census ACS + FBI UCR.

16th
percentile, household income
18th
percentile, home value
12th
percentile, median rent
6th
percentile, safety
📝 How we sourced this

Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.

Data Snapshot: Cumberland, MD

Cumberland is a small town in Maryland, home to 18,938 residents per U.S. Census Bureau ACS 2023 estimates. Median household income here is $47,819 per year, in the lower quartile of U.S. cities for household income, with a poverty rate of 17.3%. Home values in Cumberland run a median of $120,800, and the median resident age is 41.5 years. About 22.1% of adults hold a bachelor's degree or higher, while 46.2% of working-age residents are in the labor force.

The Census Building Permit Survey recorded 19 residential units authorized here in 2024 (Low Activity). Cumberland's reported crime rate runs above the national norm: the FBI's Uniform Crime Reporting program logs 4388.9 total incidents per 100,000 residents here, above the national average (agency reporting is voluntary, so this measures reporting activity, not a definitive danger score). NOAA climate normals record an annual average temperature of 53.7°F with 39.2 inches of precipitation per year and 28.7 inches of snowfall.

Maryland carries a cost-of-living premium: the state registers 105.0 on a 100-equals-national-average index (Above Average) per BEA Regional Price Parities 2024. HUD Fair Market Rent for a typical two-bedroom in this state is $973 per month. Monthly utility costs average around $255 across Maryland, per EIA 2023 residential energy estimates. Commute times here average 17.7 minutes, with 74.5% driving alone and 9.9% working from home, per Census ACS commuting data. Natural-hazard exposure scores 58.5 out of 100 on FEMA's National Risk Index (Moderate).

Population

18,938 residents

Census ACS 2023 - Maryland

Median Household Income

$47,819 /yr

Poverty 17.3%

Cost of Living Index (state)

105.0 (US=100)

Above Average - BEA RPP 2024, Maryland average

How does Cumberland compare to other US cities?

Where Cumberland sits among all US cities (population 1,000+) on each measure, computed live from Census and FBI data.

Household income 16% higher than other cities
Home value 18% pricier than other cities
Median rent 12% pricier than other cities
Safety 6% safer than other cities

"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.

A national percentile can hide a lot of local variation: narrowed to Maryland alone, Cumberland ranks #59 of 70 Maryland cities by lowest crime rate - a different, more locally useful comparison than stacking it against the entire country.

How we calculate these percentiles & ranks

Each percentile compares Cumberland against every qualifying US city; each in-state rank narrows that to Maryland only. Full formula and direction notes: methodology.

Maryland-relative analysis

Median Gross Rent places Cumberland near the bottom of Maryland's cities

Among the 479 Maryland cities PlainCities tracks with reported median gross rent data, Cumberland ranks #437 - the 0th percentile within the state. This is a different, narrower cut than the nationwide percentiles above: it compares Cumberland only against its own state's cities, not the full US field.

Median Household Income
#423 of 445
5th percentile in Maryland
Median Gross Rent
#437 of 479
0th percentile in Maryland
Median Home Value
#435 of 450
3rd percentile in Maryland
Poverty Rate
#48 of 479
90th percentile in Maryland
Bachelor's Degree or Higher
#338 of 479
29th percentile in Maryland

Ranked by raw value (highest first); a higher rank is not automatically "better" for every measure, see each metric's own context above. This is a comparison within Maryland only, not a livability score. See the methodology for the source and calculation.

16thIncome percentile
6thSafety percentile

16th percentile nationally for median household income · 6th percentile for safety (lower crime rate). Source: Census ACS 2023 / FBI UCR 2023.

Cumberland's profile vs. every US city

Income, affordability, and safety percentile

Cumberland's percentile rank on 3 favorable-direction measures (income, affordability, safety) vs. every tracked US city -- higher on every axis is more favorable. Not a composite quality score, just the arithmetic mean of the axes shown. 3-axis radar comparing 1 series across Income, Affordability, Safety. IncomeAffordabilitySafety 36 Avg. percentile National median
Cumberland's percentile rank on 3 favorable-direction measures (income, affordability, safety) vs. every tracked US city -- higher on every axis is more favorable. Not a composite quality score, just the arithmetic mean of the axes shown.

How Cumberland's home value compares nationally

Median home value vs. every US city (population 1,000+)

$120,800 Among the most affordable more affordable than 82% of 15,600 US cities

$0–$25,000: 5 US cities (0%). Below this entry. $25,000–$50,000: 54 US cities (0%). Below this entry. $50,000–$75,000: 352 US cities (2%). Below this entry. $75,000–$100,000: 1,086 US cities (7%). Below this entry. $100,000–$125,000: 1,516 US cities (10%). This entry sits in this band. $125,000–$150,000: 1,170 US cities (8%). Above this entry. $150,000–$175,000: 1,278 US cities (8%). Above this entry. $175,000–$200,000: 1,229 US cities (8%). Above this entry. $200,000–$225,000: 1,035 US cities (7%). Above this entry. $225,000–$250,000: 976 US cities (6%). Above this entry. $250,000–$275,000: 754 US cities (5%). Above this entry. $275,000–$300,000: 712 US cities (5%). Above this entry. $300,000–$325,000: 521 US cities (3%). Above this entry. $325,000–$350,000: 526 US cities (3%). Above this entry. $350,000–$375,000: 465 US cities (3%). Above this entry. $375,000–$400,000: 393 US cities (3%). Above this entry. $400,000–$425,000: 317 US cities (2%). Above this entry. $425,000–$450,000: 300 US cities (2%). Above this entry. $450,000–$475,000: 307 US cities (2%). Above this entry. $475,000–$500,000: 250 US cities (2%). Above this entry. $500,000–$525,000: 160 US cities (1%). Above this entry. $525,000–$550,000: 156 US cities (1%). Above this entry. $550,000–$575,000: 172 US cities (1%). Above this entry. $575,000–$600,000: 172 US cities (1%). Above this entry. $600,000–$625,000: 163 US cities (1%). Above this entry. $625,000–$650,000: 167 US cities (1%). Above this entry. $650,000–$675,000: 135 US cities (1%). Above this entry. $675,000–$700,000: 101 US cities (1%). Above this entry. $700,000–$725,000: 95 US cities (1%). Above this entry. $725,000–$750,000: 71 US cities (0%). Above this entry. $750,000–$775,000: 65 US cities (0%). Above this entry. $775,000–$800,000: 70 US cities (0%). Above this entry. $800,000–$825,000: 57 US cities (0%). Above this entry. $825,000–$850,000: 67 US cities (0%). Above this entry. $850,000–$875,000: 60 US cities (0%). Above this entry. $875,000–$900,000: 58 US cities (0%). Above this entry. $900,000–$925,000: 47 US cities (0%). Above this entry. $925,000–$950,000: 37 US cities (0%). Above this entry. $950,000–$975,000: 31 US cities (0%). Above this entry. $975,000–$1,000,000: 470 US cities (3%). Above this entry. $1,000,000–$1,025,000: 0 US cities (0%). Above this entry. Cumberland $0 $1,025,000 every US city, bucketed by value

Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau ACS 5-Year Estimates · 2023

Income distribution context

Household income distribution - Cumberland, MD Cumberland, MD's reported median household income shown against the U.S. national quintile-share pattern (not Cumberland, MD-specific quintile data). The Lorenz curve traces the national cumulative income share against cumulative population share, perfect equality is the diagonal; observed inequality bows below. $ Household Income Distribution Cumberland, MD median $47,819/yr, vs. U.S. national quintile pattern QUINTILE SHARE OF AGGREGATE INCOME Lowest 20% 3.4% Second 20% 9.2% Middle 20% 15.1% Fourth 20% 23.2% Top 20% 49.1% LORENZ CURVE cumulative income vs. population 100% 0% 100% pop. 0%
Cumberland, MD's median household income (Census ACS 5-year estimate) plotted against the U.S. national income-quintile distribution pattern for context; the quintile shares and Lorenz curve are national figures, not computed specifically for Cumberland, MD. Diagonal = perfect equality.

Key socioeconomic indicators

Bachelor's degree or higher (adults 25+) 22.1%

Census ACS S1501, educational attainment

Poverty rate (households below FPL) 17.3%

Census ACS S1701, poverty status

Labor force participation (adults 16+) 46.2%

Census ACS S2301, share of working-age residents in the labor force

Population
18,938
Median Income
$47,819
Median Home Value
$120,800
Median Age
41.5
Poverty Rate
17.3%
Labor force participation
46.2%
Bachelor's Degree+
22.1%

Safety & Crime

Total Crime Rate
4388.9
per 100,000 residents
Violent Crime
460.9
per 100,000 residents
Property Crime
3928.0
per 100,000 residents

Reflects incidents reported to the FBI's Uniform Crime Reporting program — agency participation is voluntary and reporting completeness varies by jurisdiction and year, so this reflects reporting activity, not a definitive danger score. Not adjusted for tourism, commuter, or daytime population.

Climate

Avg Temperature
53.7°F
Annual Precipitation
39.2"
Annual Snowfall
28.7"

Schools

Total Schools
9
Public schools in this city

Population Change

Annual U.S. Census Bureau Population Estimates Program (PEP) estimates, 2020–2025

See the fastest-growing cities →
18,600 residents18,700 residents18,800 residents18,900 residents19,000 residents19,100 residents 202020212022202320242025 19,037 residents 18,799 residents ▼ -1.3%
Cumberland's Census PEP population estimates, 2020–2025.

Housing Supply

Census Bureau Building Permits Survey (BPS) - annual residential permits authorized

🏗️ Low Activity
Total Permits (2024)
19
housing units authorized
Single-Family
2
detached homes
Multifamily
17
apartments & condos
Supply Intensity
1
permits per 1,000 residents

5-Year Permit Trend (2019–2024)

Year Total
2019 0
2020 0
2021 5
2022 2
2023 0
2024 19

Commute Patterns

How workers travel to work, Census ACS 2023

Average Commute Time
17.7 minutes
Drive Alone
74.5%
Carpool
10.0%
Public Transit
0.7%
Walk
3.5%
Work from Home
9.9%
Other
1.4%

Based on 7,115 workers 16 and over.

Monthly Utility Costs

State-average estimates for Maryland - EIA 2023 residential energy data

Electricity
$120
avg/month
Natural Gas
$80
avg/month
Water & Sewer
$55
avg/month
Total Utilities
$255
estimated/month

Estimates reflect Maryland state averages. Actual costs vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.

Living Costs & Risk

Cost of living is a Maryland state average from BEA; rent and hazard risk are county-level figures from HUD and FEMA for the county Cumberland sits in

Cost of Living Index
105.0
Above Average
US average = 100 · BEA RPP 2024
Typical 2-BR Rent
$973/mo
HUD Fair Market Rent
County-level FMR estimate
Natural Hazard Risk
58.5 / 100
Moderate
FEMA NRI composite score (county)

Similar Cities in Maryland

Redland
18,976 people
East Riverdale
19,043 people
Beltsville
19,086 people
Maryland
18,669 people
Seabrook
18,495 people
Oxon Hill
18,491 people

Cities of a Similar Size Nationwide

Population-matched peers from other states, closest to Cumberland's 18,938 residents (Census ACS 5-Year 2023).

Ansonia, CT
18,951 people
Knik-Fairview, AK
18,921 people
Fox Crossing, WI
18,960 people
Ellensburg, WA
18,913 people
Onalaska, WI
18,909 people
Seagoville, TX
18,968 people

Cities with a Similar Household Income Nationwide

Median-household-income-matched peers from other states, closest to Cumberland's $47,819 (Census ACS 5-Year 2023, table B19013).

Ponchatoula, LA
$47,821 median income
Hillsdale, MI
$47,817 median income
Brownwood, TX
$47,821 median income
Niles, MI
$47,815 median income
Barnes City, IA
$47,813 median income
Oberlin, KS
$47,813 median income

Race & Ethnicity Composition

Race and ethnicity - Cumberland, MD Race categories sum to one hundred percent per Census methodology. Hispanic or Latino is shown separately as an ethnicity overlay; it cuts across all race categories per OMB Directive 15. Race & Ethnicity Composition Cumberland, MD - Census ACS, OMB race + ethnicity categories RACE, sums to 100% 87.5% 6.5% ETHNICITY, Hispanic or Latino (any race) 2.1% White 87.5% Black or African American 4.6% Asian 0.5% American Indian 0.1% Native Hawaiian 0.0% Some other race 0.7% Two or more races 6.5% Per OMB Directive 15: Hispanic/Latino ethnicity is reported separately from the race categories.
Race categories sum to 100%. Hispanic or Latino ethnicity is reported separately and cuts across race per Census/OMB methodology.

City-level race and ethnicity, Census ACS 5-year 2023 (tables B02001, B03001), OMB Directive 15 categories.

How Cumberland compares to nearby Maryland cities

Population + median household income, sourced from Census Bureau ACS 5-year B01001 (population) and B19013 (median household income).

City Population Median Household Income
Cumberland (this city) 18,938 $47,819
Redland 18,976 $123,587
East Riverdale 19,043 $82,401
Beltsville 19,086 $97,115
Census ACS 5-year FIPS MD FBI UCR NOAA Normals NCES CCD Census BPS 2024 OMB Bulletin 23-01

What do people ask about Cumberland, MD?

What is the population of Cumberland, MD? +

Cumberland, MD counts 18,938 residents according to U.S. Census Bureau ACS 2023 estimates.

What is the median household income in Cumberland, MD? +

In Cumberland, the typical household earns $47,819 per year, based on Census ACS 2023 data.

What is the cost of living in Cumberland? +

BEA does not publish a city-level cost-of-living figure for Cumberland; the closest available measure is the Maryland state average, a cost of living index of 105.0 (U.S. average = 100), rated "Above Average" based on BEA Regional Price Parities 2024 data. Costs within Maryland vary by metro area.

Is Cumberland, MD safe? +

Cumberland has a total crime rate of 4388.9 per 100,000 residents, which is above the national average. This reflects incidents reported to the FBI UCR program, not a definitive safety score -- agency reporting is voluntary and completeness varies by jurisdiction.

What is the median home value in Cumberland, MD? +

Cumberland's median home value sits at $120,800, according to Census ACS 2023 estimates.

What is the climate like in Cumberland? +

The average annual temperature in Cumberland runs 53.7°F, 39.2 inches of precipitation, and 28.7 inches of snowfall per year. Source: NOAA Climate Normals.

Source: U.S. Census Bureau ACS 5-Year 2023, FBI UCR, NOAA Climate Normals, NCES CCD, Census BPS 2024, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.

Read our methodology - how this data is sourced, computed, and verified.

Primary sources: Census ACS, FBI UCR, NOAA Climate Normals, NCES.

Citation & verification links Data sourced from the U.S. Census Bureau. See our methodology for details. Retrieved and formatted by PlainCities

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Every figure on PlainCities is rendered directly from Census ACS source data, no number is typed in by an editor. This page draws directly on Census ACS source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.