Cumberland County, IL

Comprehensive housing, income, and cost of living data for Cumberland County, Illinois. Population: 10.4K.

Median Home Price
$161.4K

Based on 5 cities

Median Household Income
$69.8K

Annual household income

Price-to-Income Ratio
2.3x

Highly affordable

Salary Needed to Buy
$45.3K

30-yr mortgage, 6.5% rate, 20% down

Housing & Finance

Annual Property Tax
$2,068

Average annual amount

Effective Tax Rate
1.28%

Property tax / home value

Monthly Housing Costs
Mortgage (P&I)$816
Property Tax$172
Insurance$67.26
Total Monthly$1,056
Historical Home Prices
2015
$114.0K
2016
$111.0K
-2.6%%
2017
$112.4K
+1.2%%
2018
$110.4K
-1.8%%
2019
$125.2K
+13.5%%
2020
$148.2K
+18.3%%
2021
$144.6K
-2.4%%
2022
$148.1K
+2.4%%
2023
$158.1K
+6.8%%
2024
$157.3K
-0.5%%
2025
$159.8K
+1.6%%
Source: County price history data via Zillow ZHVI

Demographics & Economics

Unemployment Rate
4.8%%

Near national average

Population Density
30

People per square mile

Political Lean (2020)
Competitive

R+1

Racial Demographics

White
96%
Black
0.1%
Hispanic
0.3%
Asian
0.1%
Two or More Races
3.5%

Source: Census ACS 2023. Hispanic/Latino ethnicity counted separately from race.

Climate & Environment

Average Temperature
54°F

Annual average

Sunny Days
184

Days per year

Annual Rainfall
43.3"

Inches per year

Natural Disaster Risk
Moderate Risk

Score: 26/100

Frequently Asked Questions

What is the median home price in Cumberland County, IL?

The median home price in Cumberland County, Illinois is $161.4K. The price-to-income ratio is 2.3x, meaning the median home costs 2.3 times the median household income.

What salary do you need to buy a home in Cumberland County?

Based on a 30-year mortgage at 6.5% with 20% down and the 28% debt-to-income rule, you need approximately $45.3K per year to buy the median home in Cumberland County, IL. Monthly housing costs break down to $816 for mortgage, $172 for property tax, and $67.26 for insurance.

What is the property tax rate in Cumberland County?

The effective property tax rate in Cumberland County is 1.28%, which comes to approximately $2,068 per year on the median home.

What is the median household income in Cumberland County?

The median household income in Cumberland County, Illinois is $69.8K per year, based on Census Bureau American Community Survey data. The unemployment rate is 4.8%%.

Is Cumberland County a good place to live?

Cumberland County, Illinois has a population of 10.4K. Housing affordability is strong with a price-to-income ratio of 2.3x. The climate averages 54 degrees F with 184 sunny days per year. Compare Cumberland County with other areas using our cost of living tools to find the best fit for your budget and lifestyle.