HomeMarylandAllegany CountyCumberland city
Cumberland city, Maryland: commercial real estate data.
Cumberland city is a Census city of 18,804 people across 10.13 square miles of land, in Allegany County. Median household income is $48,162, 60.0 percent of occupied homes are owned, and the SBA record carries 35 7(a) approvals to borrowers here worth $14.6 m.
76 sourced place values · tier FULL · 8 sections
Cumberland
What Cumberland is
- Census place typecity
- Land area10.13 sq mi
- Water area0.07 sq mi
- Population per square mile of land1,856
- County holding the largest share of its areaAllegany County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cumberland
How many people live in Cumberland
- Population18,804
- Median age41.1
- Population under 183,713
- Share under 1819.7 percent
- Population 65 and over4,370
- Share 65 and over23.2 percent
- Households8,405
- Family households4,319
- Share of households that are families51.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cumberland
Income and work in Cumberland
- Median household income$48,162
- Per capita income$31,056
- Civilian labor force7,723
- Employed7,235
- Unemployed488 plus or minus 139
- Unemployment rate6.3 percent plus or minus 1.8
- Adults 25 and over13,098
- Adults 25 and over with a high school diploma or higher91.0 percent
- Adults 25 and over with a bachelor degree or higher22.7 percent
- Adults 25 and over with a graduate degree10.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cumberland
Housing in Cumberland
- Housing units10,610
- Occupied units8,405
- Vacant units2,205
- Vacancy rate20.8 percent
- Owner occupied5,042
- Renter occupied3,363
- Ownership rate60.0 percent
- Median owner-occupied home value$123,200
- Median gross rent, monthly$741
- Annual rent as a share of median income18.5 percent
- Single family units7,183
- Share single family67.7 percent
- Units in buildings of two or more3,423
- Share in buildings of two or more32.3 percent
- Mobile homes4 plus or minus 9
- Median year structure built1943
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cumberland
How Cumberland gets to work
- Workers 16 and over who commute6,409
- Commuting under 15 minutes3,551
- Share commuting under 15 minutes55.4 percent
- Commuting 30 minutes or more1,008 plus or minus 251
- Share commuting 30 minutes or more15.7 percent plus or minus 3.8
- Drove alone74.1 percent
- Carpooled10.6 percent plus or minus 2.9
- Public transport0.6 percent plus or minus 0.7
- Walked3.4 percent plus or minus 1.4
- Worked from home9.5 percent plus or minus 2.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cumberland
SBA 7(a) lending to Cumberland borrowers
- Approvals35
- Gross approval$14,560,400
- Average approval$416,011
- Median approval$40,000
- Ninetieth percentile approval$1,590,000
- Largest approval$3,489,000
- Jobs supported311
- Jobs per approval8.9
- Loans with a final outcome7
- Paid in full7
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more8.6 percent
- Share to franchises14.3 percent
- Distinct lenders11
- Distinct industries by NAICS23
A charge-off rate is not published here. only 7 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cumberland
SBA 504 lending to Cumberland borrowers
- Approvals2
- Gross approval$443,000
- Average approval$221,500
- Median approval$256,000
- Largest approval$256,000
- Jobs supported4
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Allegany County, not Cumberland
Allegany County context, not Cumberland figures
These are Allegany County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Cumberland measurements.
- Establishments in Allegany County1,430
- Employment at those establishments, Allegany County21,366
- Covered employment, Allegany County26,680
- Average annual pay, Allegany County$51,777
- Average weekly wage, Allegany County$996
- Housing units permitted, Allegany County59
- Of those, single family, Allegany County29
- County product, 2024, Allegany County$3,542,201,000
- County product change over the prior year, Allegany County4.4 percent
- Average income of an arriving household, Allegany County$48,279
Every figure in this section is published for Allegany County as a whole and is not a measurement of Cumberland. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Cumberland questions, answered from the record.
How many people live in Cumberland, Maryland?
18,804, in 8,405 households. Cumberland city covers 10.13 square miles of land, which is 1,856 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cumberland in?
Allegany County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Cumberland?
$48,162. The median owner-occupied home is valued at $123,200. Median gross rent is $741 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cumberland businesses?
35 7(a) approvals totalling $14.6 m, across 11 lenders, median approval $40,000, plus 2 504 approvals worth $443,000. These count approvals to borrowers whose address is in Cumberland, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cumberland borrowers get paid back?
No rate is published for Cumberland. only 7 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Cumberland figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Allegany County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Cumberland.
Is zoning published for Cumberland?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.