Cumberland County, NJ
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 39.33, -75.12.
Assembled 2026-10-07. Read the brief.
- 64th pct · 1,094th of 3,063 US counties · median $234,566
- 0th pct · 21st of 21 New Jersey counties · median $588,036
- counties in the Vineland metro: Rank context is unavailable: the manifest lists 1 counties in the Vineland metro; fewer than 5 is too few to rank.
- 30th pct · 2,144th of 3,063 US counties · median +2.9%
- 5th pct · 20th of 21 New Jersey counties · median +3.2%
- counties in the Vineland metro: Rank context is unavailable: the manifest lists 1 counties in the Vineland metro; fewer than 5 is too few to rank.
- 68th pct · 444th of 1,399 US counties · median $1,496
- 5th pct · 20th of 21 New Jersey counties · median $2,286
- counties in the Vineland metro: Rank context is unavailable: the manifest lists 1 counties in the Vineland metro; fewer than 5 is too few to rank.
- 86th pct · 449th of 3,221 US counties · median 8,232
- 25th pct · 16th of 21 New Jersey counties · median 188,702
- counties in the Vineland metro: Rank context is unavailable: the manifest lists 1 counties in the Vineland metro; fewer than 5 is too few to rank.
- 66th pct · 1,066th of 3,221 US counties · median $1,039
- 5th pct · 20th of 21 New Jersey counties · median $1,446
- counties in the Vineland metro: Rank context is unavailable: the manifest lists 1 counties in the Vineland metro; fewer than 5 is too few to rank.
- 60th pct · 1,219th of 3,063 US counties · median 4.3
- 15th pct · 18th of 21 New Jersey counties · median 6.2
- counties in the Vineland metro: Rank context is unavailable: the manifest lists 1 counties in the Vineland metro; fewer than 5 is too few to rank.
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $279,277 (Aug 2026), +1.1% over one year, +35.0% over five
- 64th pct · 1,094th of 3,063 US counties · median $234,566
- 0th pct · 21st of 21 New Jersey counties · median $588,036
- counties in the Vineland metro: Rank context is unavailable: the manifest lists 1 counties in the Vineland metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Cumberland County, NJ | $279,277 · +1.1% 1-yr |
Zillow Home Value Index (ZHVI), typical value of homes in the 35th to 65th percentile, smoothed and seasonally adjusted; a model estimate of value, not a sale price. Data through Zillow Research.
Rents #
Typical rent $1,730/mo (Aug 2026), +4.8% over one year; price-to-rent 13.5
- 68th pct · 444th of 1,399 US counties · median $1,496
- 5th pct · 20th of 21 New Jersey counties · median $2,286
- counties in the Vineland metro: Rank context is unavailable: the manifest lists 1 counties in the Vineland metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Cumberland County, NJ | $1,730/mo · +4.8% 1-yr |
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
What the typical home costs to carry #
Principal and interest of $1,529 a month on $279,277 at 7.28%, against an average weekly wage worth $4,875 a month: 31.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $279,277 × 80% = $223,422, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,529/mo principal and interest
- wage share = payment / (avg weekly wage $1,125 × 52 / 12 = $4,875) = 31% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $279,277 / ($1,125 × 52) = 4.8
- price-to-rent = $279,277 / ($1,730 × 12) = 13.5
The wage is one covered job’s average, not a household’s income, so this is the share of a single paycheque and not a mortgage underwriting ratio.
Estimate. Principal and interest on the typical home with 20% down over 30 years at this week's Freddie Mac average rate; compared with the average weekly wage of all jobs covered by unemployment insurance in the area (BLS QCEW), which is pay per job, not household income.
Jobs & wages #
59,465 jobs at 3,962 employers (2026 Q1); -1.2% jobs and +1.7% average weekly wage over the year
- 86th pct · 449th of 3,221 US counties · median 8,232
- 25th pct · 16th of 21 New Jersey counties · median 188,702
- counties in the Vineland metro: Rank context is unavailable: the manifest lists 1 counties in the Vineland metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Cumberland County, NJ | 59,465 jobs · $1,125/wk · -1.2% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 11,073 | $1,122 | 1.24 | +2.4% |
| Manufacturing | 7,843 | $1,355 | 1.64 | -1.1% |
| Retail trade | 7,299 | $757 | 1.26 | -3.1% |
| Accommodation and food services | 3,303 | $454 | 0.62 | +0.6% |
| Wholesale trade | 3,234 | $1,227 | 1.42 | -3.8% |
| Administrative and waste services | 3,074 | $734 | 0.91 | -4.3% |
| Construction | 3,073 | $1,564 | 0.99 | -1.9% |
| Agriculture, forestry, fishing | 2,591 | $876 | 6.03 | +0.0% |
| Other services | 1,458 | $720 | 0.82 | -2.4% |
| Professional and technical services | 957 | $1,249 | 0.23 | +0.0% |
| Educational services | 418 | $849 | 0.33 | -3.2% |
| Arts, entertainment and recreation | 356 | $538 | 0.36 | -21.6% |
BLS Quarterly Census of Employment and Wages, all ownerships, total covered employment in the quarter's third month; over-the-year changes as published. Suppressed cells stay blank.
Water #
Banks & federal dollars #
$5.3 bn in deposits at 22 offices of 10 banks (SOD June 2026); HHI 2,432, highly concentrated. $158.8 m federal obligations in FY2026 (grants $80.0 m, contracts $78.6 m), $2,670 per covered job
| Item | Value | Distance |
|---|---|---|
| Truist Bank | $2.2 bn · 41.1% share · 2 offices | |
| OceanFirst Bank, National Association | $1.2 bn · 21.8% share · 3 offices | |
| TD Bank, National Association | $637.0 m · 12.0% share · 3 offices | |
| Cumberland, NJ | $158.8 m FY2026 · $2,670/job | |
| MULTIPLE RECIPIENTS | $801.0 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Truist Bank | $2,175,942,000 | 41.1% | 2 |
| OceanFirst Bank, National Association | $1,151,767,000 | 21.8% | 3 |
| TD Bank, National Association | $636,962,000 | 12.0% | 3 |
| Newfield National Bank | $330,987,000 | 6.3% | 3 |
| Century Savings Bank | $324,988,000 | 6.1% | 3 |
| Bank of America, National Association | $287,801,000 | 5.4% | 3 |
| Millville Savings Bank | $149,247,000 | 2.8% | 2 |
| PNC Bank, National Association | $97,664,000 | 1.8% | 1 |
| Fulton Bank, National Association | $82,140,000 | 1.6% | 1 |
| The First National Bank of Elmer | $52,556,000 | 1.0% | 1 |
Deposit concentration is 2,432 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 41.1² + 21.8² + 12.0² + … (7 more) = 2,432
FDIC Summary of Deposits: deposits at every insured office as of June 30, annual; HHI is the sum of squared county deposit shares (DOJ 1995 bank merger screen: 1000 / 1800). USAspending: obligations by place of performance for the latest complete federal fiscal year (Oct 1 to Sep 30), what agencies committed, not what they paid out; recipients are legal entities. Per-job divides obligations by BLS QCEW covered employment.
Federal obligations #
USAspending place-of-performance obligations for FY2026, by awarding agency.
| Awarding agency | Obligations |
|---|---|
| Social Security Administration | $714,036,836 |
| Department of Veterans Affairs | $80,477,888 |
| Department of Defense | $72,358,620 |
| Department of Health and Human Services | $67,394,826 |
| Department of Transportation | $30,528,972 |
| Department of Housing and Urban Development | $28,896,849 |
| Department of Justice | $7,151,227 |
| Department of Agriculture | $2,399,709 |
| Federal Communications Commission | $2,182,960 |
| Department of Homeland Security | $1,641,455 |
| Railroad Retirement Board | $917,991 |
| Environmental Protection Agency | $410,255 |
That is $2,670 per covered job, against 59,465 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $158.8 m / 59,465 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $2,670
USAspending obligations are recorded where the work is performed, so a prime award performed here is counted here even when the recipient is headquartered elsewhere. Recipients are legal entities, never people.
National context, not this county #
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 12.69 | 2026-10-05 | +3.3% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 72.60 | 2026-10-06 | +0.0% |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 3.00 | 2026-10-06 | -50.0% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -105,572.00 | 2026-08-01 | -13.7% |
| Retail sales excluding food services, monthly · $ millions | 646,347.00 | 2026-08-01 | +1.1% |
The indicator registry has no county-keyed series and no geographic selection: every entry is national, a named gauge, a single state or a port. They are here as the backdrop the county's own numbers move against, and they are never this county's readings.
What changed #
Cumberland County, NJ: 18 findings, 6 at a watch level and 12 noted
watchCumberland County, NJ's covered employment is -1.2% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026 Q1.Show the arithmetic
- test: jobs.yoy.emp = -1.2 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchCumberland County, NJ's typical home value of $279,277 scores 64 on the 0-to-100 scale across US counties but 0 across New Jersey counties, a gap of 64 points.
Period 2026-08.Show the arithmetic
- 64 = |64 across US counties - 0 across New Jersey counties|
position among the entities that published this metric this period; not an official level
watchCumberland County, NJ's typical asking rent of $1,730 scores 68 on the 0-to-100 scale across US counties but 5 across New Jersey counties, a gap of 63 points.
Period 2026-08.Show the arithmetic
- 63 = |68 across US counties - 5 across New Jersey counties|
position among the entities that published this metric this period; not an official level
watchCumberland County, NJ's average weekly wage of $1,125 scores 67 on the 0-to-100 scale across US counties but 5 across New Jersey counties, a gap of 62 points.
Period 2026 Q1.Show the arithmetic
- 62 = |67 across US counties - 5 across New Jersey counties|
position among the entities that published this metric this period; not an official level
watchCumberland County, NJ's covered employment of 59,465 scores 86 on the 0-to-100 scale across US counties but 25 across New Jersey counties, a gap of 61 points.
Period 2026 Q1.Show the arithmetic
- 61 = |86 across US counties - 25 across New Jersey counties|
position among the entities that published this metric this period; not an official level
Read all 12 findings in the full brief
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.