Real estate · County · Pennsylvania
Real estate businesses in Cumberland County, PA
How Cumberland County, PA compares with other counties and the U.S. for real estate businesses: competitors, household spending, official counts and growth.
Groundwork market score · out of 100
Score 54 out of 100: Upper middle
Ranked #889 of 2,229 scored counties
#57 of 64 scored counties in Pennsylvania
- Listings
- 427
- 20 chain locations (5%)
- Official establishments
- 163
- +8.7% since 2019
- Household spending a year
- $2B
- On rent and homeowner costs · $18,785 a household
- Housing spending per listing (U.S. = 100)
- 108
- 8% above the U.S.
- Listings per 10k households
- 40.1
- 4% above the U.S.
- Population, 2025
- 277,270
- +6.5% since 2020
See the real estate businesses around any address in Cumberland County
The site report maps the real estate businesses on map listings near the address, by name and distance, and sizes the households and spending around it. Or open the report at the center of Cumberland County. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardSurvey estimates 2020–2024 · population estimates 2025 · official business counts 2023 · map listings September 2026 · Data credits · How we measure
What this means
As of September 2026, map listings count 427 real estate businesses in Cumberland County. 20 of them (5%) are chain locations, against 6% across the U.S. That is 40.1 per 10,000 households, 4% above the U.S. rate of 38.5.
At $18,785 per household (13% above the U.S. average), households in Cumberland County spend about $2B a year on rent and homeowner costs. Housing spending per office is 8% above the U.S. figure. That figure is all rent and homeowner costs, used as a measure of housing demand; it is not money real estate businesses take in.
Official counts show 163 businesses with payroll classed as real estate agents, property managers, mortgage lenders and inspectors in Cumberland County in 2023, up 8.7% from 2019. That is one for every 653 households, against one for every 414 across the U.S. Another 1,104 one-person businesses have no payroll, by official counts. Since fiscal 2022, 1 SBA-backed loan worth $50K has gone to businesses classed as real estate agents, property managers, mortgage lenders and inspectors in Cumberland County.
Between 2020 and 2025, the population of Cumberland County grew 6.5%, faster than the U.S. (+3.1%). For real estate businesses, Cumberland County has a Groundwork market score of 54 (upper middle): #889 of 2,229 scored counties and #57 of 64 scored counties in Pennsylvania.
How Cumberland County compares
The same measures for Pennsylvania and the whole U.S. Housing spending per listing divides all rent and homeowner costs by the listings counted: a measure of housing demand for each business, not money any of them take in, so it is shown against the U.S. (100) only. Households per establishment divides households by the official count.
| Measure | Cumberland County | Pennsylvania | U.S. |
|---|---|---|---|
| Listings per 10k households | 40.1 | 25.3 | 38.5 |
| Housing spending per listing (U.S. = 100) | 108 | 165 | 100 |
| Households per official establishment | 653 | 752 | 414 |
| Official establishment growth, 2019–2023 | +8.7% | +15.7% | +15.8% |
| Population growth, 2020–2025 | +6.5% | +0.5% | +3.1% |
| Spending per household on rent and homeowner costs | $18,785 | $18,070 | $16,661 |
| Median household income | $87,494 | $77,971 | $80,734 |
| Groundwork market score | 54 | 76 |
Official counts and lending
Businesses
- Official establishments, 2019 to 2023
- 150 → 163+8.7% over the period
- Employees, 2023
- 942
- Annual payroll, 2023
- $70.9M
- One-person businesses, 2023
- 1,104Businesses with no payroll
- Map listings, September 2026
- 42720 chain locations
- Listings at the U.S. rate for this spending
- 462The U.S. ratio of listings to household spending, applied here
SBA-backed loans since fiscal 2022
- Loans
- 1
- Amount
- $50K
SBA-backed loans to businesses classed as real estate agents, property managers, mortgage lenders and inspectors in Cumberland County, through June 2026, placed by the borrower’s ZIP code. Official establishments are businesses with payroll; the official counts leave out places with fewer than 3.
Population and households in Cumberland County
- Population, 2025 estimate
- 277,270+6.5% since 2020
- Households
- 106,427
- Median age
- 41.2
- Homes lived in by their owners
- 71%
- Vehicles per household
- 1.8
- Land area
- 546 sq. mi.
- People per square mile
- 492
- Median household income
- $87,494+22.8% vs. 2015–2019, before inflation
- Average household income
- $112,877
- Median home value
- $277,600
- Jobs located here
- 138,979
- Daytime population
- 287,576Residents who don’t work, plus everyone whose job is here
Looking at a specific site in Cumberland County?
These figures cover the whole county. A site report draws rings around one address and counts what’s inside them: households, spending, jobs, and the real estate businesses on map listings by name and distance.
Or open the report at the center of Cumberland County. Signed out, you see a blurred preview; on an account, each report is one action.
Free10 actions over 3 days, no cardReal estate across Pennsylvania
Every Pennsylvania market ranked →The highest-scoring counties in Pennsylvania for real estate businesses, numbered among those based in Pennsylvania, with Cumberland County marked.
Top counties in Pennsylvania
| Market | Score | Listings | Per 10k households | Housing spending per listing (U.S. = 100) | Population growth | U.S. rank |
|---|---|---|---|---|---|---|
| 1Perry County, PA | 88 | 10 | 5.5 | 747 | +2.1% | #1 of 2,229 |
| 2Wyoming County, PA | 81 | 5 | 4.6 | 861 | −0.9% | #14 of 2,229 |
| 3Adams County, PA | 81 | 50 | 12.2 | 343 | +3.6% | #15 of 2,229 |
| 4Schuylkill County, PA | 80 | 78 | 13.5 | 285 | +1.5% | #27 of 2,229 |
| 5Fulton County, PA | 78 | 5 | 7.9 | 483 | −0.6% | #43 of 2,229 |
| 6Mifflin County, PA | 78 | 15 | 8.1 | 455 | 0.0% | #45 of 2,229 |
| 7Indiana County, PA | 78 | 28 | 8.6 | 427 | −0.3% | #48 of 2,229 |
| 8Northumberland County, PA | 77 | 23 | 6.1 | 613 | −1.8% | #62 of 2,229 |
| 9Susquehanna County, PA | 77 | 21 | 13.5 | 291 | −0.3% | #70 of 2,229 |
| 10Elk County, PA | 76 | 8 | 6.0 | 625 | −3.3% | #75 of 2,229 |
| 57Cumberland County, PA | 54 | 427 | 40.1 | 108 | +6.5% | #889 of 2,229 |
Other business types in Cumberland County
Each with its Groundwork market score here, out of 100, where it has one.
Food and drink
Groceries and convenience
Auto
Beauty and personal care
Fitness and classes
Health care
Child care
Clothing and laundry
Home services
Real estate
Funeral services
Questions
How many real estate businesses are in Cumberland County, PA?
Cumberland County has 427 real estate businesses on map listings as of September 2026. 20 of them (5%) are chain locations. The listings count real estate agents and brokers, property managers, mortgage brokers and lenders, and home inspectors. Official counts show 163 businesses with payroll classed as real estate agents, property managers, mortgage lenders and inspectors in 2023, up 8.7% from 2019. Official counts list 1,104 one-person businesses without payroll.
How much do households in Cumberland County, PA spend on rent and homeowner costs?
About $2B a year, or $18,785 per household. That is 13% above the U.S. average (an index of 113, where 100 is the U.S. average). For the 427 real estate businesses on map listings, housing spending per office is 8% above the U.S. figure. The spending figure is all rent and homeowner costs, a measure of housing demand, not money real estate businesses take in. It is estimated from the incomes of the 106,427 households in Cumberland County and national spending patterns by income.
How does Cumberland County, PA compare with the U.S. for real estate businesses?
Cumberland County has 40.1 real estate businesses per 10,000 households, 4% above the U.S. rate of 38.5. The index of housing spending per office is 108, where 100 is the U.S. At the national ratio of real estate businesses to household spending, Cumberland County would have about 462, against 427 on map listings. There is one business with payroll in the industry for every 653 households, against one for every 414 across the U.S. The official count rose 8.7% from 2019 to 2023, against +15.8% for the U.S.
How fast is Cumberland County, PA growing?
Population estimates put Cumberland County at 277,270 people in 2025, up 6.5% since 2020, faster than the U.S. (+3.1%). It has 106,427 households. The median household income in Cumberland County is $87,494 a year, 8% above the U.S. median of $80,734. That rose 22.8% from the 2015–2019 survey, before inflation.
What is the Groundwork market score?
The Groundwork market score runs from 0 to 100 and compares a market with others of its kind for one business type: states with states, metro areas with metro areas, small-town markets and counties with their own. It weighs household spending per competitor (35%), households per business with payroll (25%), population growth (20%) and spending power (20%), each ranked against those peers. A higher score means that, taken together, the market has more household spending and more households for each business already there, faster population growth and more spending per household than similar markets. It describes a market, not any one site or deal. Cumberland County scores 54 for real estate businesses (upper middle), #889 of 2,229 scored counties.
How can I see the market around a specific site?
Run a Groundwork site report on an address in Cumberland County. It maps the real estate businesses on map listings near the site and sizes the households and spending within the distance you choose. New accounts get 10 actions over 3 days, no card.
How the score works · Top markets for real estate businesses · All 56 business types in Cumberland County
Screening a site or an acquisition in Cumberland County?
A site report maps the competitors on map listings near an address and sizes the households and spending around it.
The button opens the report at the center of Cumberland County. Signed out, you see a blurred preview; on an account, each report is one action.
This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
Figures are estimates for research only. Not investment or real estate advice.