HomeMarylandAllegany CountyCumberland
Cumberland, Maryland: commercial real estate data.
Cumberland 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 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
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 loans in Cumberland (7(a))
- Approvals35
- Gross approval$14,560,400
- Average approval$416,011
- Median approval$40,000
- Ninetieth percentile approval$1,440,000
- 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
Counted by borrower city: approvals to borrowers whose address is in Cumberland, in any county, FY2020 to FY2026. Only 7 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cumberland
SBA loans in Cumberland (504)
- Approvals2
- Gross approval$443,000
- Average approval$221,500
- Median approval$221,500
- Largest approval$256,000
- Jobs supported4
- Loans with a final outcome0
- Charged off0
- Median term270 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Cumberland, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Cumberland
Flood risk in Cumberland
- NFIP communityCity of Cumberland
- NFIP community number240003
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date04/03/20
The City of Cumberland participates in the National Flood Insurance Program as community 240003 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Allegany County, not Cumberland
Allegany County context, not Cumberland figures
- Establishments in Allegany County1,430
- Covered employment, Allegany County26,680
- Average annual pay, Allegany County$51,777
- Housing units permitted, Allegany County59
Every figure in this section is published for Allegany County as a whole and is not a measurement of Cumberland.
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.
Coverage
What this page does not hold.
Parcel detail, 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 →
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 totaling $14.6 m since FY2020, across 11 lenders, median approval $40,000, plus 2 504 approvals worth $443,000 since FY2010. 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 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Cumberland in the National Flood Insurance Program?
Yes. Cumberland appears in the FEMA Community Status Book as Cumberland, city of, community 240003, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Cumberland figures?
No, and they are labeled 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?
No. Nothing on this page presents parcel level zoning.