Census tract · Cumberland County
Census Tract 123, Cumberland County, Pennsylvania
Census Tract 123, GEOID 42041012300, in Cumberland County, Pennsylvania, entirely within Carlisle. 3,029 residents in the ACS 2020-2024 5-year estimates (±365); the 2020 Census counted 2,397.
Residents, 2020-2024
3,029
±365 (90% margin)
2020 Census count: 2,397
Median household income
$42,059
±$10,935 (90% margin)
Cumberland County: $87,494
Median home value
$163,700
±$18,429 (90% margin)
Cumberland County: $277,600
Median gross rent
$850
±$385 (90% margin)
Cumberland County: $1,249
Where is Census Tract 123?
Census Tract 123 is one of 55 census tracts in Cumberland County, Pennsylvania. It covers 0.28 square miles of land, 8,440 residents per square mile in 2020. Its GEOID, 42041012300, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Carlisle | 100% |
5 census tracts border Census Tract 123: Tract 119.01 ($89,200), Tract 120 ($70,659), Tract 121 ($55,789), Tract 122 ($36,695) and Tract 124 ($85,795). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 123?
The 2020-2024 American Community Survey puts Census Tract 123's population at 3,029 (±365) in 908 households; the 2020 Census counted 2,397 residents and 844 housing units.
| Measure | Tract 123 | Carlisle |
|---|---|---|
| Total population | 3,029 ±365 | 21,852 |
| Households | 908 ±137 | 9,223 |
| Average household size | 1.83 ±0.35 | 2.04 |
| Housing units | 963 ±139 | 9,819 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 123?
The median resident of Census Tract 123 is 21.8 years old; 9.1% are under 18 and 9.3% are 65 or older. The largest group is non-Hispanic white residents at 59.7%, then non-Hispanic Black residents at 17.5%. 9.9% of residents were born outside the United States.
| Measure | Tract 123 | Carlisle |
|---|---|---|
| Median age | 21.8 ±0.5 | 35.8 |
| Under 18 years | 9.1% ±4.1 pts | 15.2% |
| 65 years and over | 9.3% ±2.9 pts | 18.7% |
| Hispanic or Latino (any race) | 13.4% ±5.2 pts | 8.4% |
| White alone, not Hispanic | 59.7% ±6.0 pts | 75.8% |
| Black or African American alone, not Hispanic | 17.5% ±6.1 pts | 9.5% |
| Asian alone, not Hispanic | 5.9% ±3.8 pts | 2.6% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±1.1 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±1.1 pts | 0.0% |
| Two or more races, not Hispanic | 3.5% ±1.9 pts | 3.2% |
| Some other race alone, not Hispanic | 0.0% ±1.1 pts | 0.4% |
| Born outside the United States | 9.9% ±4.6 pts | 7.9% |
| Speak a language other than English at home (age 5+) | 15.3% ±5.3 pts | 11.1% |
| Civilian veterans (age 18+) | 3.6% ±1.6 pts | 7.6% |
| With a disability | 11.1% ±3.5 pts | 15.7% |
| No health insurance coverage | 8.0% ±5.0 pts | 5.6% |
| High school graduate or higher (age 25+) | 96.5% ±2.9 pts | 93.6% |
| Bachelor's degree or higher (age 25+) | 25.6% ±9.6 pts | 37.9% |
| Graduate or professional degree (age 25+) | 8.5% ±4.7 pts | 16.9% |
| Lived in the same house a year earlier | 50.3% ±8.7 pts | 76.0% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 123 earn?
Half of the 908 households in Census Tract 123 earn less than $42,059 a year (±$10,935), against $87,494 across Cumberland County: 51st highest of the county's 53 tracts with a reliable estimate. 16.8% of residents live below the poverty line.
| Measure | Tract 123 | Carlisle |
|---|---|---|
| Median household income | $42,059 ±$10,935 | $61,720 |
| Mean household income | $56,283 ±$10,602 | $84,140 |
| Per capita income | $30,349 ±$3,206 | $39,339 |
| People below the poverty line | 16.8% ±7.9 pts | 15.1% |
| Children under 18 below the poverty line | 29.7% ±28.9 pts | 25.9% |
| Households receiving SNAP | 32.0% ±15.8 pts | 15.8% |
| Households with a computer | 94.5% ±3.6 pts | 94.4% |
| Households with a broadband subscription | 93.0% ±3.7 pts | 89.4% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 123?
Owners occupy 30.2% of Census Tract 123's occupied homes and renters 69.8%. The median owner-occupied home is valued at $163,700 by its owner (±$18,429). The median renter pays $850 a month including utilities, and 39.5% of renters pay 35% or more of their income on rent.
| Measure | Tract 123 | Carlisle |
|---|---|---|
| Median home value (owner-occupied) | $163,700 ±$18,429 | $224,100 |
| Median gross rent | $850 ±$385 | $1,094 |
| Renters paying 35% or more of income on rent | 39.5% ±15.9 pts | 43.5% |
| Median monthly owner costs, with a mortgage | $1,308 ±$115 | $1,551 |
| Owner-occupied homes | 30.2% ±10.3 pts | 48.7% |
| Renter-occupied homes | 69.8% ±10.3 pts | 51.3% |
| Housing units | 963 ±139 | 9,819 |
| Single-family detached homes | 24.6% ±10.2 pts | 35.7% |
| Mobile homes | 0.0% ±3.3 pts | 0.4% |
| Built 2020 or later | 0.8% ±1.2 pts | 0.2% |
| Built 2010 to 2019 | 0.0% ±3.3 pts | 2.1% |
| Built 1939 or earlier | 57.5% ±11.4 pts | 39.7% |
| Households with no vehicle | 10.9% ±5.6 pts | 10.6% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 123 get to work?
65.6% of Census Tract 123's workers drive alone. The average trip to work takes 14.5 minutes. The unemployment rate in 2020-2024 averaged 4.9%.
| Measure | Tract 123 | Carlisle |
|---|---|---|
| In the labor force (age 16+) | 67.3% ±5.7 pts | 66.0% |
| Unemployment rate | 4.9% ±3.2 pts | 4.4% |
| Drove alone to work | 65.6% ±9.0 pts | 68.0% |
| Carpooled | 4.3% ±2.8 pts | 4.4% |
| Public transportation | 0.0% ±2.2 pts | 0.3% |
| Walked | 25.7% ±9.4 pts | 12.2% |
| Worked from home | 3.8% ±2.7 pts | 9.9% |
| Mean travel time to work | 14.5 min ±2.2 | 18.6 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 123 compare with the other tracts in Cumberland County?
Among Cumberland County's tracts with a reliable estimate, Census Tract 123 ranks as shown below (1 = highest).
| Measure | In Cumberland County | In Carlisle |
|---|---|---|
| Population | 47th of 55 | 3rd of 5 |
| Residents per square mile | 2nd of 55 | 2nd of 5 |
| Median household income | 51st of 53 | 4th of 5 |
| Per capita income | 50th of 55 | 4th of 5 |
| Median home value | 50th of 52 | 3rd of 5 |
| Median gross rent | 51st of 52 | 5th of 5 |
| Poverty rate | 6th of 29 | 3rd of 5 |
| Bachelor's degree or higher | 45th of 54 | 4th of 5 |
| Median age | 53rd of 55 | 5th of 5 |
| Owner-occupied share | 51st of 53 | 4th of 5 |
The tracts next to it on Cumberland County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 121 | 48th | $55,789±$12,772 · within the margin of this tract |
| Tract 110.02 | 49th | $55,765±$8,419 · within the margin of this tract |
| Tract 132 | 50th | $45,610±$9,824 · within the margin of this tract |
| Tract 123 | 51st | $42,059±$10,935 |
| Tract 131.04 | 52nd | $41,875±$23,328 · within the margin of this tract |
| Tract 122 | 53rd | $36,695±$3,671 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 123?
1 of the 18 figures for Census Tract 123 on this page carries a coefficient of variation over 40% and is marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections