Cumberland County, New Jersey: commercial real estate data.

Cumberland County

How many people live in Cumberland County

• Population153,305
• Households53,781
• Average household size2.85
• Median household income$67,436
• Median age37.7
• Median gross rent$1,282 per month
• Median owner-occupied home value$221,400
• Home value to household income3.3 times
• Annual rent as a share of median income22.8 percent
• Adults 25 and over with a bachelor degree or higher18.9 percent
• Adults 25 and over with a graduate degree6.1 percent
• Adults 25 and over103,026
• Population under 1837,403
• Share under 1824.4 percent
• Population 65 and over24,216
• Share 65 and over15.8 percent
• Working age population, 18 to 6491,686
• Civilian labor force69,023
• Unemployment rate6.8 percent
• Labor force participation, adults 18 and over59.6 percent
• Rank by population among New Jersey counties16th of 21
• Rank by population among US county-equivalents452nd

Cumberland County is the 16th largest of 21 New Jersey counties by population. A median home costs 3.3 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 24.4 percent against 15.8 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

Where are people moving to Cumberland County from?

• Tax returns filed by households arriving2,360
• People arriving, from those returns4,090
• Adjusted gross income arriving$116.5 m
• Net adjusted gross income movement$0
• Average income of an arriving household$49,367
• Largest single originCumberland County Non-migrants (54,495 households)
• Largest single destination (54,495 households)

The largest single source of arrivals is Cumberland County Non-migrants, 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

Largest employers in Cumberland County

• Covered employment, annual average59,688
• Establishments reporting3,763
• Average annual pay$57,729
• Average weekly wage$1,110
• Sector 62, employment10,763
• Sector 62, average annual pay$61,163
• Sector 31-33, employment8,268
• Sector 31-33, average annual pay$67,756
• Sector 44-45, employment7,550
• Sector 44-45, average annual pay$38,957
• Sector 42, employment3,624
• Sector 42, average annual pay$63,008
• Sector 72, employment3,350
• Sector 56, employment3,159

The largest sector is the biggest private employer group at 10,763 jobs, 18.0 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.

US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.

Cumberland County

Building permits in Cumberland County

• Housing units authorised by permit, 2024253
• Declared construction value permitted$35.2 m
• Single family units authorised120
• Multifamily units authorised133
• Multifamily share of units52.6 percent
• Average declared value per unit$139,200
• Units authorised per 1,000 households4.7

Multifamily is 52.6 percent of units authorised, so the pipeline is being built for renters rather than buyers.

US Census Bureau, Building Permits Survey, 2024 annual.

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 recorded19
• Paid in full14
• Charged off5
• Charge off rate on resolved loans26.3 percent
• Status: Cancelled21
• Status: Exempt from disclosure61
• Status: Paid in full14
• Status: Charged off5
• Status: Committed, not yet disbursed7

Of the 19 loans that have reached a final outcome, 26.3 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.

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 area484 sq mi
• Rank by land area among New Jersey counties5th of 21
• Width, east to west29.5 mi
• Height, north to south27 mi
• Geographies sharing a boundary4
• Residents per square mile of land317
• Establishments per square mile5.84

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.

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.

• Population153,305
• Households53,781
• Average household size2.85
• Median household income$67,436
• Median age37.7

How a feasibility study works →

Cumberland County

Cities and places in Cumberland.

40 Census places lie wholly or partly in Cumberland County. 40 carry enough published place level data for a page of their own and are linked. The rest are named here and not linked, because the American Community Survey and the SBA record between them do not carry enough about them to write an honest page. A place existing is itself worth knowing, so nothing in the county is left out.