Cumberland County, Illinois: commercial real estate data.
Cumberland County, Illinois had an estimated 10,305 residents on July 1, 2024, down 1.5 percent since the 2020 census base of 10,457, across 346 square miles. County output reached $1.83 bn in 2024, 178 establishments operate here, and the SBA record carries 1 7(a) approvals worth $1.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cumberland County
How many people live in Cumberland County
- Population, American Community Survey 2020-202410,334
- Households4,177
- Average household size2.47
- Median household income$73,327
- Median age43.1
- Median gross rent$772 per month
- Median owner-occupied home value$126,000
- Home value to household income1.7 times
- Annual rent as a share of median income12.6 percent
- Adults 25 and over with a bachelor degree or higher19.6 percent
- Adults 25 and over with a graduate degree6.1 percent
- Adults 25 and over7,294
- Population under 182,317
- Share under 1822.4 percent
- Population 65 and over2,173
- Share 65 and over21.0 percent
- Working age population, 18 to 645,844
- Civilian labor force5,462
- Unemployment rate1.4 percent
- Labor force participation, adults 18 and over68.1 percent
- Rank by population among Illinois counties87th of 102
- Rank by population among US county-equivalents, Puerto Rico included2461st of 3,222
Cumberland County is the 87th largest of 102 Illinois counties by population. A median home costs 1.7 times median household income, which is affordable by national standards. Residents under 18 outnumber those 65 and over, at 22.4 percent against 21.0 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Cumberland County
Is Cumberland County's population growing?
- Population, July 1, 202410,305
- Census 2020 base population10,457
- Population change since the 2020 census base-1.45 percent
- Population change, 2023 to 202433
- Births, 2024108
- Deaths, 2024101
- Natural change, 20247
- Net domestic migration, 202422
- Net international migration, 20245
- Total net migration, 202427
- Cumulative net domestic migration, 2021 to 2024-64
- Rank by growth among US county-equivalents2346th of 3,144
The county has lost 1.45 percent of its population since the 2020 census base. The population grew in 2024 from both sources: births exceeded deaths and more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Cumberland County
Where are people moving to Cumberland County from?
- Tax returns filed by households arriving214
- People arriving, from those returns386
- Tax returns filed by households leaving221
- Net household movement-7
- Adjusted gross income arriving$10.4 m
- Net adjusted gross income movement$-582,000
- Average income of an arriving household$48,551
- Average income of a leaving household$49,647
- Largest single originColes County (60 households)
- Largest single destinationColes County (58 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Coles County | 60 | 101 | $2.5 m |
| Effingham County | 45 | 81 | $2.4 m |
Households arriving report $1,096 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Coles County, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Cumberland County
What is the Cumberland County economy?
- County GDP, 2024$1.83 bn
- County GDP, 2023$1.35 bn
- GDP change, 2023 to 202435.0 percent
- GDP change over five years108.5 percent
- Rank by GDP among the Illinois areas BEA publishes41st of 102
- Rank by GDP among the US county areas BEA publishes1358th of 3,127
- GDP per resident$176,891
Output grew 35.0 percent in the latest year and 108.5 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Cumberland County
Employment by industry in Cumberland County
- Covered employment, annual average2,893
- Establishments reporting188
- Average annual pay$47,709
- Average weekly wage$917
- Retail trade, employment506
- Retail trade, average annual pay$28,705
- Wholesale trade, employment130
- Wholesale trade, average annual pay$86,095
- Other services, except public administration, employment64
- Other services, except public administration, average annual pay$28,414
- Information, employment10
- Information, average annual pay$22,890
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Retail trade | 506 | 19 | $28,705 |
| Wholesale trade | 130 | 10 | $86,095 |
| Other services, except public administration | 64 | 17 | $28,414 |
| Information | 10 | 4 | $22,890 |
Retail trade is the largest private sector at 506 jobs, 17.5 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Cumberland County
How many businesses are in Cumberland County?
- Establishments, all industries178
- Employment at those establishments1,788
- Annual payroll$80.0 m
- Establishments per 1,000 residents17.2
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Cumberland County
Building permits in Cumberland County
- Housing units authorized by permit, 20240
- Declared construction value permitted$0
- Single family units authorized0
- Multifamily units authorized0
No residential units were authorized by permit in 2024. In a small county this is common and is not by itself a sign of distress, but it does mean there is no recent residential pipeline to read demand from.
US Census Bureau, Building Permits Survey, 2024 annual.
Cumberland County
SBA loans in Cumberland County (7(a) and 504)
- 7(a) approvals recorded1
- 7(a) gross approval dollars$1.4 m
- Average 7(a) approval$1,350,000
- Median 7(a) approval$1,350,000
- Largest single approval$1,350,000
- Jobs reported supported, 7(a)26
- Jobs per approval26.0
- Distinct 7(a) lenders active1
- Distinct industries receiving approvals1
- Median 7(a) term300 months
- Share of loans on real estate terms, 240 months or longer100.0 percent
- Loans on real estate terms1
- Loans on working capital terms, 120 months or shorter0
- Franchise loans0
- Franchise share of approvals0.0 percent
- 504 approvals recorded2
- 504 gross approval dollars$287,000
- Average 504 approval$143,500
- Median 504 approval$143,500
- Distinct CDCs active2
- 504 jobs per approval6.0
- 504 jobs per million dollars approved41.8
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$1.6 m
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Cumberland County
SBA loan default and charge-off rates in Cumberland County
Do SBA loans in Cumberland County get paid back?
- Loans with a final outcome recorded0
- Paid in full0
- Charged off0
- Status: Exempt from disclosure1
Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cumberland County
How large is Cumberland County?
- Land area346 sq mi
- Rank by land area among Illinois counties84th of 102
- Width, east to west24.8 mi
- Height, north to south14.4 mi
- Geographies sharing a boundary5
- Residents per square mile of land30
- Establishments per square mile0.51
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Cumberland County
Flood risk in Cumberland County
- Participation of the county's own NFIP community Cumberland County, unincorporated areasParticipating, community 170987
- Communities in the county in the NFIP Community Status Book6
- Of those, participating in the NFIP5
- NFIP participation rate83.3 percent
- Communities carrying a CRS class0
- Radon levels in Cumberland County, EPA zone predicted average indoor radon screening level from 2 to 4 pCi/LZone 2
The county's own community in the status book, unincorporated Cumberland County (community 170987), participates in the National Flood Insurance Program and carries no Community Rating System class, so no CRS premium discount applies there. The EPA places Cumberland County in radon zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 83.3 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Feasibility studies
When a Cumberland County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Cumberland County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202410,334
- Households4,177
- Average household size2.47
- Median household income$73,327
- Median age43.1
Common questions
Cumberland County questions, answered from the record.
How many people live in Cumberland County, Illinois?
The Census Bureau estimates 10,305 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 10,334, in 4,177 households, ranking 87th of 102 Illinois counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Cumberland County's population growing?
The population has fallen 1.45 percent since the 2020 census base of 10,457, to 10,305 on July 1, 2024. In 2024 there were 108 births against 101 deaths, with net migration of 27. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Cumberland County?
$73,327. The median owner-occupied home is valued at $126,000, which is 1.7 times income, and median gross rent is $772 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Cumberland County?
178 establishments, employing 1,788 people with an annual payroll of $80.0 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Cumberland County?
Retail trade is the largest private sector at 506 jobs, 17.5 percent of covered employment. Covered employment averages 2,893 jobs at an average annual pay of $47,709, or $917 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Cumberland County?
1 7(a) approvals totaling $1.4 m since FY2020, across 1 lenders, with a median approval of $1,350,000, plus 2 504 approvals worth $287,000 since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Cumberland County?
No residential units were authorized by permit in 2024. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Cumberland County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Cumberland County come from?
The largest single origin is Coles County, with 60 households. Arriving households report an average income of $48,551 against $49,647 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Cumberland County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Cumberland County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Cumberland County
Cities and places in Cumberland.
8 Census places lie wholly or partly in Cumberland County. All 8 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Casey | city | 2,239 | None recorded | 2.6 percent here, 97.4 percent Clark County |
| Greenup | village | 1,823 | None recorded | Wholly in this county |
| Neoga | city | 1,421 | 1 | Wholly in this county |
| Toledo | village | 1,197 | None recorded | Wholly in this county |
| Montrose | village | 255 | None recorded | 17.8 percent here, 82.2 percent Effingham County |
| Jewett | village | 251 | None recorded | Wholly in this county |
| Trilla | CDP | 122 | None recorded | 39.5 percent here, 60.5 percent Coles County |
| Janesville | CDP | 39 | None recorded | 34.5 percent here, 65.5 percent Coles County |
Nearby