City

Cumberland, KY

1 ZIP code  ·  Harlan County  ·  Kentucky

👥3,907Population
💰$35,704Median HH Income▼ 53% below avg
🎂31.8Median Age
🏠$75,800Median Home Value▼ 73% below avg
🎓33.1%College Grads▼ 15% below avg
📊17.5%Unemployment▲ 257% above avg
People & Population (ACS 2023 — weighted avg)
♂ Male 49.0% Female 51.0% ♀

Race & Ethnicity

White: 93.2%Black: 1.3%Asian: 0.1%Other: 5.4%Race
White93.2%
Black1.3%
Asian0.1%
Other5.4%

Age Breakdown

Under 5
12%
5–17
20%
18–24
6%
25–44
21%
45–64
21%
65+
8%

Key Indicators

Median Age31.8 yrs
Avg HH Size2.64
Below Poverty41.5% ▲ 315% above avg
College Grads33.1% ▼ 15% below avg
Unemployment17.5% ▲ 257% above avg
No HS Diploma30 (1.5%)
HS Graduate630 (32%)
Some College241 (12.2%)
Associates417 (21.2%)
Bachelors337 (17.1%)
Graduate Degree314 (15.9%)

Education

No HS: 1.5%HS Grad: 32%Some College: 12.2%Associates: 21.2%Bachelors: 17.1%Graduate: 15.9%Edu
No HS1.5%
HS Grad32.0%
Some College12.2%
Associates21.2%
Bachelors17.1%
Graduate15.9%
Housing & Income

Housing Tenure

Owner: 57.5%Renter: 42.5%Tenure
Owner57.5%
Renter42.5%

Home Value Distribution

Under $50k
25%
$50k–$100k
36%
$100k–$150k
18%
$150k–$200k
5%
$200k–$300k
11%
$300k–$500k
5%

Financials

Median HH Income$35,704 ▼ 53% below avg
Median Home Value$75,800 ▼ 73% below avg
Home/Income Ratio2.1x (nat avg ~3.5x)
Median Rent$637/mo
Total Housing Units1,727
Vacant Units274

Income Distribution

Under $25k
49%
$25k–$50k
12%
$50k–$75k
14%
$75k–$100k
8%
$100k–$150k
12%
$150k–$200k
4%
Employment & Commute

How People Get to Work

Drove Alone
84%
Public Transit
0%
Walked
6%
Work From Home
10%

Commute Time

Under 15 min
45%
15–30 min
30%
30–45 min
18%
Over 45 min
8%
Housing Stock

Year Built

Before 1940
6%
1940s–1950s
12%
1960s–1970s
13%
1980s–1990s
13%
2000+
56%
About Cumberland, KY

Cumberland is a city in Kentucky, located in Harlan County. The city spans 1 ZIP code and is home to approximately 3,907 residents. It is a relatively young city, with a median age of 31.8 years.

Economically, Cumberland is a lower-income community. The median household income of $35,704 is well below the national average. Approximately 41.5% of residents live below the poverty line. The unemployment rate is 17.5%, more than double the national average.

The real estate market in Cumberland is one of the more affordable housing markets in the country. Median home values stand at $75,800, which is well below the national average. Renters typically pay around $637 per month.

The population of Cumberland is moderately educated. 33.1% of adults hold a bachelor's degree or higher — near the national average. The community is primarily White (93.22%).

Cumberland, KY offers residents a cost-conscious lifestyle within Kentucky.

ZIP Codes in Cumberland
ZIPPopulationMedian IncomeMedian HomeMedian RentUnemp.CollegeOwner Occ.
40823 3,907 $35,704 $75,800 $637 17.5% 33.1% 57.5%