ExecutivePulse
Official Federal Data

Cumberland County, Illinois

FIPS 17035 · Effingham, IL · Population 10,334
9 Sources Updated June 22, 2026
$73,327
Median Income
$80,734 national
3.5%
Unemployment
4% national
$1.8B
GDP
19.6%
Bachelor's+
35.7% national
Small population: 10,334 residents. These figures come from the U.S. Census Bureau’s American Community Survey 5-year estimates, which carry a wide margin of error for places under 20,000 people. Read each value as an approximate range, and treat year-over-year changes as indicative rather than exact. A small shift can reflect survey sampling, not a real change on the ground.

Demographics & Population

Census Bureau American Community Survey 2020-2024 · 5-Year Estimates

Household Income

Source: U.S. Census Bureau · American Community Survey 2020-2024 5-Year Estimates
Median Household
$73,327
Per Capita
$36,140
Mean Household
$87,318
Poverty Rate
9.1% approx.
Median Income Comparison
Cumberland County$73,327
Illinois$83,390
National$80,734

Population Profile

Source: Census Bureau ACS 2020-2024 · Tables B01001, B02001, B03003
65+: 21% (2,173 residents) 55-64: 14.4% (1,489 residents) 35-54: 24.7% (2,556 residents) 18-34: 17.4% (1,799 residents) Under 18: 22.4% (2,317 residents) 43 Median Age
Cohorts
Under 18 · 22.4%
18-34 · 17.4%
35-54 · 24.7%
55-64 · 14.4%
65+ · 21%
Race & Ethnicity
White95%
Black or African American0.2%
Asian0%
Hispanic or Latino(any race)0.4%
Hispanic or Latino is an ethnic category and overlaps with the race categories above.

Educational Attainment

Source: Census Bureau ACS 2020-2024 · Table B15003 · Population 25+
94.1%
High School+
National: 89.6%
▲ +4.5 pts
19.6%
Bachelor's+
National: 35.7%
▼ 16.1 pts
6.1%
Graduate+
National: 14.1%
▼ 8.0 pts

Employment Overview

Source: U.S. Census Bureau · American Community Survey 2020-2024 5-Year Estimates
10,334
Population
5,462
Labor Force
Employed
5,388
Unemployment Rate BLS LAUS 2025 annual
3.5% ▼ 0.2 pts YoY
Mean Commute 3 min below national avg
23.5 min
Work From Home vs 15.1% national
8.5%
Key Takeaways
  • Talent gap: Bachelor's-or-higher attainment trails the national average by 16.1 pts, relevant for advanced-services attraction strategy.
  • Aging population: Median age of 43 is materially above the U.S. norm; succession planning and senior-services demand are real factors.

Economy & Industry

Bureau of Labor Statistics QCEW · Bureau of Economic Analysis

$1.8B
Gross Domestic Product · 2024
Source: Bureau of Economic Analysis · CAGDP1 Regional GDP

Top Industries by Employment

Source: Bureau of Labor Statistics · Quarterly Census of Employment & Wages 2025 Annual
Top industries by employment in Cumberland County, Illinois, with employment, share of top sectors, and average wage
IndustryEmploymentShare of Top 10Avg Wage
1Retail Trade
510 51.4%
$29,741
2Accommodation and Food Services
212 21.4%
$19,298
3Wholesale Trade
130 13.1%
$79,192
4Other Services (except Public Administration)
68 6.9%
$27,816
5Transportation and Warehousing
40 4.0%
$63,006
6Administrative and Support and Waste Management
16 1.6%
$37,465
7Arts, Entertainment, and Recreation
16 1.6%
$15,174
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Key Takeaways
  • Largest sector: Retail Trade employs 510 workers (51.4% of tracked sectors), at an average wage of $29,741.
  • Economic scale: Regional GDP of $1.8B (2024).
  • Wage stratification: Wholesale Trade averages $79,192 while Arts, Entertainment, and Recreation averages $15,174, a 5.2x spread in the same local economy, with implications for workforce development and talent strategy.
Source: BLS QCEW + BEA Regional GDP.
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Industry Concentration

Location Quotient measures regional specialization vs. national average. LQ > 1.0 = concentrated.

Location Quotient Analysis

Concentrated Industries
Source: BLS QCEW · 3-digit NAICS sub-sector · Location Quotient vs. national employment share
Same source as the Top Industries table above, sub-sector view surfaces the specialization the supersector view masks (e.g., Plastics & Rubber Manufacturing inside the Manufacturing supersector).
Gasoline Stations and Fuel Dealers
13.79x
268
Social Assistance
2.60x
240
2.17x
913

Cluster Depth

Source: BLS QCEW · Sub-sectors with LQ ≥ 1.5 indicate genuine cluster concentration
Dominant Cluster
Goods-Producing Cluster
Coherent grouping of concentrated sub-sectors, signals supply-chain fit for site selectors
913
Cluster Employment
2.17x
Peak LQ
Concentrated Sub-Sectors
Gasoline Stations and Fuel Dealers
13.79x 268
Social Assistance
2.60x 240
2.17x 913

Attraction Opportunities

LQ < 0.5 with ≥ 50 employed, realistic diversification targets. Source: BLS QCEW
Key Takeaways
  • Top specialization: Gasoline Stations and Fuel Dealers concentrates at 13.79x the national norm, top-decile concentration, the kind of signature sector that defines a region's economic identity to site selectors.
  • Cluster depth: 3 sub-sectors register LQ ≥ 1.5, suggesting an interconnected industrial base rather than reliance on a single employer or sector.
Source: BLS QCEW sub-sector Location Quotients.
Cumberland County's Top Sectors by Workforce Share
Each rectangle's area is proportional to that sector's share of total private-sector employment across all NAICS supersectors. Hover for exact employment.
Source: Bureau of Labor Statistics QCEW 2025 Annual · Private sector, NAICS supersectors

Housing & Affordability

Census ACS · HUD Fair Market Rents FY2026

Housing Overview

Source: Census Bureau ACS 2020-2024 5-Year Estimates · Tables B25001, B25077, B25064
$126,000
Median Home Value vs 2019
$772
Rent/Mo
84.2%
Owner-Occ
11.6%
Vacancy
1.7x
Home Value to Income Ratio - Affordable
vs. ~4.1x national average

HUD Fair Market Rents

Source: HUD · Fair Market Rents FY2026
Studio
$632/mo
1 Bedroom
$717/mo
2 Bedroom
$916/mo
3 Bedroom
$1,098/mo
4 Bedroom
$1,537/mo
30% of monthly median household income (~$1,833/mo) · rents above this line are typically considered cost-burdened.
Key Takeaways
  • Affordable market: Home value to income ratio of 1.7x is well below the ~4.1x national average; supports talent attraction and family settlement narratives.
  • High home ownership: 84.2% owner-occupied; rental supply may be tight for incoming workers.
  • Elevated vacancy: 11.6% vacancy rate. In resort, rural, and seasonal markets much of this is recreational/seasonal (second homes), not available supply; confirm the vacancy-by-reason split before treating it as a redevelopment opportunity.
  • Broadly affordable rents: All 5 HUD Fair Market Rent bedroom tiers sit below the 30%-of-median-income affordability threshold (~$1,833/mo), a clear cost-of-living advantage for workforce attraction.
Source: Census ACS housing tables + HUD Fair Market Rents.

Workforce Pipeline

Labor force readiness, commuting, and workforce composition

Labor Market Overview

Source: Census ACS 2020-2024 · Tables B01001, B23025, B08303, B08301
5,844
Working Age (18-64) vs 2019
Mean Commute 3 min below national avg
23.5 min
Work From Home vs 15.1% national
8.5%
Prime-Age Employed (25-54)
85.1%
of prime-age population
Labor force participation rate: 68.1% of working-age population (18-64) 68% Participation
▲ vs 2019

Education & Talent Pipeline

Source: Census ACS 2020-2024 · Table B15003 · College Scorecard
Bachelor's+
19.6%
HS Diploma+
94.1%
Regional / Statewide Institutions
Total credentials awarded
57,734/yr
University of Illinois Urbana-Champaign 15,945/yr
Chamberlain University-Illinois 11,893/yr
DeVry University-Illinois 9,399/yr
University of Illinois Chicago 8,607/yr
Loyola University Chicago 5,976/yr
DePaul University 5,914/yr

Aging Workforce

Source: Census Bureau ACS · Derived from age & employment tables
25.5%
55-64 of working-age population (18-64)
Elevated retirement risk, above the 20% threshold. Succession planning recommended.

Workforce by Occupation

Source: Census ACS 2020-2024 · Table C24010 · Civilian employed population 16+
Management / Professional
29.1%
Service
17.3%
Sales & Office
18.6%
Construction / Maint.
11.6%
Production / Transport
23.4%
Bars scaled 2× for visual differentiation; percentage labels show actual share of 5,388 employed workers.
Key Takeaways
  • Succession risk is real: 25.5% of working-age residents are 55-64. Plan for retirements over the next decade and pair attraction strategy with talent retention.
  • Talent pipeline: 6 regional institutions feed the workforce; the top three combined produce 37,237 annual credentials.
Source: ACS workforce data and College Scorecard.

AI Insights

AI-assisted analysis, drawn from 9 federal data sources

Sample AI Insight

Cumberland County shows strong potential for gasoline stations and fuel dealers attraction, with a 13.79x concentration and 268 jobs in this sub-sector. It ranks in the top decile nationally. Near-term succession risk is elevated, with 25.5% of the working-age population within 10 years of retirement age.

The interconnected base across gasoline stations and fuel dealers, social assistance, and creates supply-chain attraction leverage rather than single-employer risk, a structural advantage for industrial recruitment.

Industry Shift Analysis

Manufacturing Automation Risk
High
Healthcare Growth Forecast
+4.2% CAGR
Remote Work Migration
67/100

Prospect Match Scores

Advanced Manufacturing
92/100
Life Sciences
84/100
Data Centers
71/100
Illustrative example

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Data Sources

Updated from official federal government data.

Census ACS 5-Year2024
BLS QCEW2025 annual
BLS LAUS (via FRED)2025 annual
BEA Regional GDP2024
Census CBP2023
HUD Fair Market RentsFY2026
FCC Broadband Map2024
USAspending.govFY2026
College ScorecardAY 2022-23

Frequently Asked Questions

Key economic and demographic figures for Cumberland County, Illinois, from federal data sources.

What is the population of Cumberland County, Illinois?

10,334 (U.S. Census Bureau, ACS 5-Year Estimates).

What is the median household income in Cumberland County, Illinois?

$73,327 (U.S. Census Bureau, ACS 5-Year Estimates).

What is the unemployment rate in Cumberland County, Illinois?

3.5% (2025 annual average, U.S. Bureau of Labor Statistics, LAUS).

What is the GDP of Cumberland County, Illinois?

$1.8B (U.S. Bureau of Economic Analysis, CAGDP1).