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Eastward on Main from Myers
Kentucky›Harlan County

CumberlandKY

A town of 1,761, settled in 1826.

Photo: Nyttend · Public domain
Photo of Cumberland

Cumberland, KY · Photo: Nyttend · Public domain · Source ↗

Is Cumberland a good place to live?

The best of Cumberland’s subject grades are an A for safety, an A+ for the outdoors, and an A− for history; the weakest is a D− for incomes. 53% of residents live below the poverty line in Cumberland, where Kentucky’s towns sit at 16% and U.S. towns at 9.6%. On incomes, just 2 of Kentucky’s 236 towns do worse. FEMA rates its natural-hazard risk higher than 90% of U.S. communities, with inland flooding at the top. 20% of the land in Cumberland is conserved, where Kentucky’s towns sit at 1.7% and U.S. towns at 4.3%. No town in Kentucky scores higher than Cumberland on the outdoors. Cumberland is home to Southeast Kentucky Community & Technical College. Cumberland has fewer than 2,500 residents, so it gets subject grades but no overall grade.

What makes Cumberland stand out

Where Cumberland beats most towns, and one thing worth knowing.

College town

Southeast Kentucky Community & Technical College calls Cumberland home

College Scorecard · IPEDS

How Cumberland grades

Each subject compared with towns across the country (schools within Kentucky), ordered by how far Cumberland is from typical.

How grading works

Character Graded, but not part of the overall grade.
Described, not graded Taste, not quality: snow or an older crowd is neither good nor bad.

How TownRatings grades towns →

Cumberland Central Business District
Cumberland Central Business District · National Register of Historic Places
Cumberland’s story

200 years in pictures

Census counts: 300 in 1920, a peak of 4,271 in 1960, 1,947 in 2020. The archive holds 11 old photos and papers going back to 1880 and 3 maps from 1935 on.

1 place on the National Register of Historic Places.

  • 1826Cumberland is settled
Explore the history →
Getting set up

Moving to Cumberland: who provides what

Who provides power, water and the rest in Cumberland, and how to reach them.

The full setup list →
PowerKU11.9¢/kWh · EIA 2025HIFLD · EIA
WaterCumberland Municipal Water WorksNo health-based violations in 5 years · EPAEPA
Internet3 providers92% of addresses get 100/20 MbpsFCC
Trash & dumpNot on file yetWe don’t have Cumberland’s trash rules yet
SchoolsHarlan County School DistrictWhich school depends on your addressNCES
Register to voteOnlineIn Kentucky you can register online until 29 days before Election Day, in person until 29 days before Election Day, or by mail (postmarked 29 days before).vote.gov
Who runs elections hereHarlan County ClerkHarlan County; contacts on the Handbook page.FVAP, Jun 2023
ZIP code4082340823 100%Census 2020

EPA SDWIS (Oct 9, 2026) · HIFLD + EIA-861 2025 · Census 2020 ZCTAs · NCES 2024–25 · registration: vote.gov, updated Nov 18, 2024.

The data

Ordered by what stands out in Cumberland.

HousingCost of living grade B+

A typical Cumberland home is worth about $65K

The typical Cumberland home is worth about $65,000, up 6.3% in a year, 72% below the Kentucky typical home. Cumberland’s median rent is $622 a month.

$65KZillow home value

Typical home value

Cumberland$65K
Kentucky$231K
+6.3%
value change, 1 year

Census ACS, 2020–24 · Zillow Home Value Index · Redfin Data Center

HealthD−

More of Cumberland’s adults say their health is fair or poor than in the typical Kentucky or U.S. town

34% of Cumberland adults say their health is fair or poor. Of the 142 Kentucky towns we compare, none has a higher share of adults who report frequent physical distress than Cumberland. 21% of Cumberland adults report frequent mental distress.

1%healthier than U.S. townsD−Health Grade
CumberlandKentucky townsU.S. towns
Fair or poor health (CDC PLACES)34%23%19%
Smoke cigarettes (CDC PLACES)26%18%14%
Diabetes (CDC PLACES)19%13%12%
Frequent physical distress (CDC PLACES)22%15%14%
31 measures vs. Kentucky
2 better7 too close to call22 worse
What stands outCumberlandKY
Fewer binge drinkers10.9%14.2%
More adults treating high blood pressure83.9%81.3%
More adults facing food insecurity32.5%15.5%
Whitesburg ARH Hospital
13.4 mi away · emergency room
3 of 3
care shortages: primary care, dental, mental health

CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA

SafetyA

Less crime per resident in Cumberland than in 89% of U.S. towns

The property crime rate in Cumberland is 2.9 per 1,000 residents.

89%of U.S. towns report more crimeASafety Grade
CumberlandKentucky townsU.S. towns
Property crimes per 1,000 (2025)2.9 per 1,000 residents8.39.9
Violent crimes per 1,000 (2025)1.1 per 1,000 residents1.31.6

Violent crime per 1,000 residents

Cumberland1.1
Kentucky2.2
U.S.3.3

Property crime per 1,000 residents

Cumberland2.9
Kentucky12.8
U.S.15.5
89th
percentile among U.S. towns we grade
2
violent crimes reported in 2025
5
property crimes reported in 2025

FBI crime data, 2025 · crimes reported to police

Natural hazardsHazard risk grade D

Cumberland faces a very high natural-hazard risk, led by inland flooding

Only 6 of the 142 Kentucky towns we compare have a higher FEMA risk score than Cumberland. Since 1978, 28 flood insurance claims have been paid out in Cumberland.

90risk score of 100
FEMA risk score
90Very high riskLowerHigher
Inland floodingCold wavesStrong wind
28
paid flood claims since 1978
11
federal disasters paid out here

FEMA flood insurance claims · FEMA National Risk Index · OpenFEMA

OutdoorsA+

Cumberland stands out in Kentucky and nationally: trail density there is higher

The biggest place to walk is Kingdom Come State Park, 386 acres with 3.7 miles of trail. 4.6 miles of trail in 2 parks and preserves.

19.7%conserved
19.7%
conserved · 395 of 2,001 acres
4.6 mi
of trails · 1.5 per sq mi
Biggest places to walkTrailsAcres
1. Kingdom Come State Park3.7 mi386
2. Community Park—1

Trails & parks © OpenStreetMap contributors · Conserved land: USGS PAD-US

Climate

In Cumberland, expect four seasons and pleasant summers

Cumberland has chilly, snowy winters and pleasant summers, with plenty of rain. No town among the 143 in Kentucky we compare has a lower July high than Cumberland.

35″snow a winter

Typical low → high °F

Winter27–46°
Spring42–66°
Summer61–81°
Fall44–67°
Oct 28
typical first frost
Apr 18
typical last frost
+0.5°
vs. the 20th-century average

NOAA U.S. Climate Normals, 1991–2020

Work & commuteJobs & income grade D−

Cumberland has 0.9 jobs for every working resident, so most commute out

Most working residents leave Cumberland for work: only 10% work in town. Jobs based in Cumberland fell to 407 in 2023, 436 fewer than in 2013. Among 143 Kentucky towns, just 7 have a lower median household income than Cumberland.

10%work in town
CumberlandKentucky townsU.S. towns
Median household income$35,000$60,000$80,000
Average trip to work24 minutes22 minutes25 minutes
Working residents who work in town10%15%8%

Where working residents work

In Cumberland10%
Lexington5%
Hazard4%
Harlan4%
Pineville2%
23 mi
median commute distance
407
jobs based in Cumberland
Balanced
jobs vs. working residents
B+
Walkability grade: more walkable than 67% of U.S. towns

Census LEHD 2023 · ACS

Keep exploring

Everything we know about Cumberland

20pages on Cumberland
After high school

Colleges nearby

1 within 15 miles of the center of Cumberland

A shrinking town

Cumberland has shrunk 21% since 2010

2,237 counted in 2010 and 1,947 in 2020; an estimated 1,761 in 2025.

2,2372010
1,9472020
1,7612025 est.

U.S. Census 2010 & 2020 counts · Census Bureau estimate, July 1, 2025

About Cumberland

City in Kentucky, United States

Cumberland is a home rule-class city in Harlan County, Kentucky, in the United States. As of the 2020 census, Cumberland had a population of 1,947. The city sits at the confluence of Looney Creek and the Poor Fork Cumberland River.

From Wikipedia, licensed CC BY-SA 4.0 · facts via Wikidata (CC0)

Established
1826
Area
3.1 sq mi
Elevation
1,444 ft
ZIP code
40823
Area code
606

Questions about Cumberland

Short answers, built from the data on this page.

Is Cumberland, KY expensive?

Not for the area. That is 1.5 years of the area's median household income ($41,693 across the county). Cost of living, which also weighs rents, property taxes and how many households pay 30% or more of their income for housing, grades B+.

What is Cumberland, KY known for?

2 notable people were born here, including Betty Siegel and Rebecca Caudill.