HomeNew JerseyCumberland County
Cumberland County, New Jersey: commercial real estate data.
Cumberland County, New Jersey had an estimated 155,678 residents on July 1, 2024, up 1.0 percent since the 2020 census base of 154,152, across 484 square miles. County output reached $8.51 bn in 2024, 2,826 establishments operate here, and the SBA record carries 108 7(a) approvals worth $70.5 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 2020-2024153,305
- 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-equivalents, Puerto Rico included452nd of 3,222
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 moderately unaffordable 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
Is Cumberland County's population growing?
- Population, July 1, 2024155,678
- Census 2020 base population154,152
- Population change since the 2020 census base0.99 percent
- Population change, 2023 to 20242,340
- Births, 20241,841
- Deaths, 20241,756
- Natural change, 202485
- Net domestic migration, 2024867
- Net international migration, 20241,389
- Total net migration, 20242,256
- Cumulative net domestic migration, 2021 to 2024-1,325
- Rank by growth among US county-equivalents1487th of 3,144
The county has grown 0.99 percent 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 arriving2,360
- People arriving, from those returns4,090
- Tax returns filed by households leaving2,566
- Net household movement-206
- Adjusted gross income arriving$116.5 m
- Net adjusted gross income movement$-21.9 m
- Average income of an arriving household$49,367
- Average income of a leaving household$53,954
- Largest single originAtlantic County (392 households)
- Largest single destinationGloucester County (373 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Atlantic County | 392 | 698 | $18.7 m |
| Gloucester County | 337 | 572 | $20.1 m |
| Camden County | 210 | 364 | $10.8 m |
| Salem County | 190 | 334 | $9.0 m |
| Cape May County | 133 | 233 | $6.0 m |
| Philadelphia County | 110 | 175 | $5.3 m |
| Burlington County | 70 | 108 | $4.7 m |
| New Castle County | 34 | 67 | $1.8 m |
Households arriving report $4,587 less average income than households leaving, which drains spending power even where headcount holds up. The largest single source of arrivals is Atlantic 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$8.51 bn
- County GDP, 2023$8.13 bn
- GDP change, 2023 to 20244.8 percent
- GDP change over five years27.5 percent
- Rank by GDP among the New Jersey areas BEA publishes17th of 21
- Rank by GDP among the US county areas BEA publishes504th of 3,127
- GDP per resident$55,533
Output grew 4.8 percent in the latest year and 27.5 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 average59,688
- Establishments reporting3,763
- Average annual pay$57,729
- Average weekly wage$1,110
- Health care and social assistance, employment10,763
- Health care and social assistance, average annual pay$61,163
- Manufacturing, employment8,268
- Manufacturing, average annual pay$67,756
- Retail trade, employment7,550
- Retail trade, average annual pay$38,957
- Wholesale trade, employment3,624
- Wholesale trade, average annual pay$63,008
- Accommodation and food services, employment3,350
- Administrative and support and waste management services, employment3,159
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 10,763 | 1,121 | $61,163 |
| Manufacturing | 8,268 | 179 | $67,756 |
| Retail trade | 7,550 | 452 | $38,957 |
| Wholesale trade | 3,624 | 157 | $63,008 |
| Accommodation and food services | 3,350 | 234 | $23,986 |
| Administrative and support and waste management services | 3,159 | 155 | $38,315 |
| Construction | 3,060 | 273 | $90,089 |
| Agriculture, forestry, fishing and hunting | 2,694 | 98 | $45,650 |
Health care and social assistance is the largest private sector at 10,763 jobs, 18.0 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 industries2,826
- Employment at those establishments47,846
- Annual payroll$2.56 bn
- Establishments per 1,000 residents18.4
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, 2024253
- Declared construction value permitted$35.2 m
- Single family units authorized120
- Multifamily units authorized133
- Multifamily share of units52.6 percent
- Average declared value per unit$139,200
- Units authorized per 1,000 households4.7
Multifamily is 52.6 percent of units authorized, so the pipeline is being built for renters rather than buyers.
US Census Bureau, Building Permits Survey, 2024 annual.
Cumberland County
SBA loans in Cumberland County (7(a) and 504)
- 7(a) approvals recorded108
- 7(a) gross approval dollars$70.5 m
- Average 7(a) approval$652,568
- Median 7(a) approval$245,000
- 10th percentile approval$23,500
- 90th percentile approval$1,939,560
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)1,094
- Jobs per approval10.1
- Distinct 7(a) lenders active33
- Distinct industries receiving approvals68
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer25.9 percent
- Loans on real estate terms28
- Loans on working capital terms, 120 months or shorter76
- Franchise loans10
- Franchise share of approvals9.3 percent
- Leading industry by approval countGlass Product Manufacturing Made of Purchased Glass (9)
- Most active lenderTD Bank, National Association (38)
- 504 approvals recorded18
- 504 gross approval dollars$28.9 m
- Average 504 approval$1,607,111
- Median 504 approval$807,000
- Distinct CDCs active3
- 504 jobs per approval15.7
- 504 jobs per million dollars approved9.7
- Most active CDCTrenton Business Assistance Corporation (10)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$99.4 m
The average approval of $652,568 sits well above the median of $245,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 25.9 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
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 recorded19
- Paid in full14
- Charged off5
- Status: Cancelled21
- Status: Exempt from disclosure61
- Status: Paid in full14
- Status: Charged off5
- Status: Committed, not yet disbursed7
Only 19 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
SBA lending by place in Cumberland County
- Borrower cities with recorded lending4
- Vineland, approvals63
- Bridgeton, approvals22
- Millville, approvals21
- Cedarville, approvals2
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Vineland | 63 | $48,143,500 |
| Bridgeton | 22 | $12,236,800 |
| Millville | 21 | $9,946,000 |
| Cedarville | 2 | $151,000 |
Vineland accounts for 63 approvals against 22 in Bridgeton. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
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.
Cumberland County
Flood risk in Cumberland County
- Communities in the county in the NFIP Community Status Book13
- Of those, participating in the NFIP13
- NFIP participation rate100.0 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 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. 100.0 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 2020-2024153,305
- Households53,781
- Average household size2.85
- Median household income$67,436
- Median age37.7
Common questions
Cumberland County questions, answered from the record.
How many people live in Cumberland County, New Jersey?
The Census Bureau estimates 155,678 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 153,305, in 53,781 households, ranking 16th of 21 New Jersey counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Cumberland County's population growing?
The population has grown 0.99 percent since the 2020 census base of 154,152, to 155,678 on July 1, 2024. In 2024 there were 1,841 births against 1,756 deaths, with net migration of 2,256. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Cumberland County?
$67,436. The median owner-occupied home is valued at $221,400, which is 3.3 times income, and median gross rent is $1,282 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Cumberland County?
2,826 establishments, employing 47,846 people with an annual payroll of $2.56 bn. 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?
Health care and social assistance is the largest private sector at 10,763 jobs, 18.0 percent of covered employment. Covered employment averages 59,688 jobs at an average annual pay of $57,729, or $1,110 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?
108 7(a) approvals totaling $70.5 m since FY2020, across 33 lenders, with a median approval of $245,000, plus 18 504 approvals worth $28.9 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Cumberland County?
253 housing units were authorized by permit in 2024, with a declared construction value of $35.2 m. Multifamily was 52.6 percent of units. 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 Atlantic County, with 392 households. Arriving households report an average income of $49,367 against $53,954 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.
40 Census places lie wholly or partly in Cumberland County. All 40 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 |
|---|---|---|---|---|
| Vineland | city | 61,006 | 63 | Wholly in this county |
| Millville | city | 27,511 | 21 | Wholly in this county |
| Bridgeton | city | 27,001 | 22 | Wholly in this county |
| Laurel Lake | CDP | 2,641 | None recorded | Wholly in this county |
| Silver Lake | CDP | 2,011 | None recorded | Wholly in this county |
| Port Norris | CDP | 1,612 | None recorded | Wholly in this county |
| Gouldtown | CDP | 1,546 | None recorded | Wholly in this county |
| Seabrook Farms | CDP | 1,448 | None recorded | Wholly in this county |
| Centre Grove | CDP | 1,339 | None recorded | Wholly in this county |
| Rosenhayn | CDP | 1,308 | None recorded | Wholly in this county |
| Sunset Lake | CDP | 1,194 | None recorded | Wholly in this county |
| West Park | CDP | 1,079 | None recorded | Wholly in this county |
| Fairton | CDP | 930 | None recorded | Wholly in this county |
| Carlls Corner | CDP | 868 | None recorded | Wholly in this county |
| Milmay | CDP | 748 | None recorded | 23.3 percent here, 76.7 percent Atlantic County |
| Cedarville | CDP | 661 | 2 | Wholly in this county |
| Dividing Creek | CDP | 652 | None recorded | Wholly in this county |
| Newport | CDP | 533 | None recorded | Wholly in this county |
| Laurel Heights | CDP | 474 | None recorded | Wholly in this county |
| Leesburg | CDP | 431 | None recorded | Wholly in this county |
| Mauricetown | CDP | 365 | None recorded | Wholly in this county |
| Deerfield Street | CDP | 322 | None recorded | Wholly in this county |
| Port Elizabeth | CDP | 261 | None recorded | Wholly in this county |
| Shiloh | borough | 228 | None recorded | Wholly in this county |
| Delmont | CDP | 223 | None recorded | Wholly in this county |
| Lakeside-Beebe Run | CDP | 222 | None recorded | Wholly in this county |
| Roadstown | CDP | 201 | None recorded | Wholly in this county |
| Heislerville | CDP | 198 | None recorded | Wholly in this county |
| Greenwich | CDP | 175 | None recorded | Wholly in this county |
| Dorchester | CDP | 137 | None recorded | Wholly in this county |
| Othello | CDP | 132 | None recorded | Wholly in this county |
| Fortescue | CDP | 120 | None recorded | Wholly in this county |
| Arrowhead Lake | CDP | 101 | None recorded | Wholly in this county |
| Dutch Neck | CDP | 96 | None recorded | Wholly in this county |
| Cumberland-Hesstown | CDP | 90 | None recorded | Wholly in this county |
| Seeley | CDP | 85 | None recorded | Wholly in this county |
| Marlboro | CDP | 76 | None recorded | Wholly in this county |
| Sheppards Mill | CDP | 61 | None recorded | Wholly in this county |
| Gandys Beach | CDP | 43 | None recorded | Wholly in this county |
| Money Island | CDP | 25 | None recorded | Wholly in this county |
Nearby