43732 ZIP Code — Cumberland, OH

Guernsey County, Ohio

ZIP code 43732 is located in Cumberland, Ohio, within Guernsey County. It covers approximately 78.51 square miles and serves a population of 1,701 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 740.

About ZIP code 43732

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $133,300. Owner-occupancy is high at 89%, well above the national average.

Median household income is $61,205. 34% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 28 minutes is near the national average.

College attainment at 13% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (25%) compared to national benchmarks.

Notable community characteristics include a notable veteran presence at 15% of civilians, above the national average of 7%.

Overall, ZIP code 43732 reflects a community defined by a trades-oriented workforce, a strong veteran community, high homeownership, and a significant Social Security-dependent population.

1,701

population

78.51

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

43732 ZIP code map

Cities in ZIP code 43732

Below are the cities the US Postal Service accepts for ZIP code 43732. Using any city not on this list may result in mail delivery delays.

City	Status
Cumberland	Preferred

Nearby ZIP codes

43772 Pleasant City (6.4 mi) 43727 Chandlersville (8.1 mi) 43723 Byesville (9.5 mi) 43724 Caldwell (11.1 mi) 43779 Sarahsville (12 mi) 43780 Senecaville (12.2 mi) 43720 Blue Rock (12.3 mi) 43762 New Concord (12.8 mi) 43725 Cambridge (13.2 mi) 43734 Duncan Falls (13.7 mi) 43756 Mcconnelsville (13.8 mi) 43767 Norwich (14.3 mi)

Demographics updated 05/2026

Population
Total population	1,701
Population density	22 / sq mi
State FIPS	39
County FIPS	059

Geography
Land area	78.51 sq mi
Water area	1.21 sq mi
Latitude	39.8474
Longitude	-81.6479
Timezone	Eastern (ET)
Area code	740

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	47.0%	53.7%	43.3%
$50k – $100k	37.0%	30.7%	31.4%
$100k – $200k	16.0%	12.6%	20.0%
Over $200k	0.0%	3.0%	5.2%

Demographics & statistics

1,701

Population

People per sq mi

37.1

Median age

$61,205

Median household income

$26,279

Per capita income

$133,300

Median home value

$649

Median monthly rent

88.6%

Home ownership

10.4%

Poverty rate

3.7%

Unemployment

689

Housing units

12.9%

Bachelor's or higher

Age distribution

Male Female

111

Under 5

5–9

10–14

15–19

20–24

25–34

100

35–44

45–54

55–59

60–64

143

65–74

120

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	581	34.2%
18 and over	1,120	65.8%
65 and over	381	22.4%
Median age	37.1 years

Race & ethnicity

White 86.6%

Hispanic or Latino 5%

Other race 5%

Two or more races 2.1%

Black or African American 1.2%

Group	Count	%
White	1,551	86.6%
Hispanic or Latino	90	5%
Other race	90	5%
Two or more races	38	2.1%
Black or African American	22	1.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	47.0%	53.7%	43.3%
$50k – $100k	37.0%	30.7%	31.4%
$100k – $200k	16.0%	12.6%	20.0%
Over $200k	0.0%	3.0%	5.2%

Under $10k 7.2%

$10k–$15k 4.0%

$15k–$25k 13.4%

$25k–$35k 6.8%

$35k–$50k 5.8%

$50k–$75k 19.8%

$75k–$100k 19.5%

$100k–$150k 16.3%

$150k–$200k 7.2%

Range	% of households
Under $10k	7.2%
$10k–$15k	4.0%
$15k–$25k	13.4%
$25k–$35k	6.8%
$35k–$50k	5.8%
$50k–$75k	19.8%
$75k–$100k	19.5%
$100k–$150k	16.3%
$150k–$200k	7.2%
Median income	$61,205

Housing

Home values

Under $50k 2.9%

$50k–$100k 27.8%

$100k–$150k 21.5%

$150k–$200k 25.6%

$200k–$300k 13.3%

$300k–$500k 8.7%

$500k–$1M 0.2%

Housing overview

Metric	Value
Median home value	$133,300
Median rent / month	$649
Owner occupied	88.6%
Renter occupied	11.4%
Vacant	18.3%
Single-family detached	68.2%
Large apartment buildings	0.0%
Mobile homes	31.2%
Median rooms	5.7
Avg household size (owned)	2.81

Year built

Era	%
2020 or later	0.0%
2010–2019	3.9%
2000–2009	10.7%
1990–1999	15.1%
1980–1989	11.4%
1970–1979	11.1%
1960–1969	15.1%
1950–1959	2.8%
1940–1949	2.9%
1939 or earlier	27.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	1.3%
2 bedrooms	35.3%
3 bedrooms	43.4%
4 bedrooms	15.7%
5+ bedrooms	4.3%

Vehicles per household

Vehicles	% of households
No vehicle	11.0%
1 vehicle	14.2%
2 vehicles	39.8%
3 or more	35.1%

Heating fuel

Fuel type	%
Utility gas	23.2%
Electricity	27.5%
Propane / LP gas	31.9%
Fuel oil	8.4%
Wood	6.3%

Households & families

Household type	Count	%
Married-couple family	305	49.1%
Cohabiting couple	66	10.6%
Male householder, no spouse	159	25.6%
Female householder, no spouse	91	14.7%
Households with children under 18	157	25.3%
Households with seniors (65+)	307	49.4%
Average household size	2.74

Marital status

Status	Male	Female
Never married	33.7%	21.0%
Married	48.2%	61.7%
Separated	0.0%	2.5%
Widowed	2.9%	8.1%
Divorced	15.1%	6.7%

Education

Less than 9th grade 3.6%

Some HS, no diploma 7.9%

HS graduate 30.7%

Some college, no degree 33.1%

Associate's degree 11.7%

Bachelor's degree 9.3%

Graduate / professional 3.7%

Metric	%
HS diploma or higher	88.5%
Bachelor's or higher	12.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	25	5.8%
Kindergarten	0	0.0%
Elementary school	314	72.4%
High school	66	15.2%
College / grad school	29	6.7%

Employment

Industry of employment

Education & healthcare 25.1%

Manufacturing 12.2%

Professional & management 10.6%

Construction 9.8%

Retail trade 9.0%

Arts, food & hospitality 8.8%

Agriculture & mining 8.5%

Other services 5.3%

Public administration 3.8%

Wholesale trade 3.0%

Transportation & utilities 2.7%

Finance & real estate 1.3%

Occupation

Category	%
Management, business & arts	29.0%
Service	23.8%
Sales & office	19.4%
Natural resources & construction	11.4%
Production & transportation	16.5%

Employment type

Type	%
Private sector	85.6%
Government	8.6%
Self-employed	5.8%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	82.8%
Carpool	11.8%
Public transit	2.2%
Walk	1.0%
Work from home	2.2%
Other means	0.0%
Avg commute (minutes)	27.8

Poverty

All people 10.4%

Under 18 years 4.1%

18 and over 13.7%

Married-couple families 9.2%

Female-led households 9.1%

Income support

Source	% of households
Social Security	34.1%
Retirement income	35.9%
Supplemental Security	6.3%
Cash public assistance	2.1%
Food stamps / SNAP	10.5%

Health indicators

Condition	%
Obesity	37.4%
High blood pressure	35.5%
High cholesterol	34.1%
Diabetes	11.8%
Heart disease	8.0%
Stroke	3.5%
Asthma	10.1%
Arthritis	30.1%
Kidney disease	3.1%
Pulmonary disease	10.0%
Cancer	7.1%

Behavior / access	%
Smoking	25.1%
Binge drinking	17.3%
No physical activity	28.0%
Less than 7 hrs sleep	35.1%
Depression	25.0%
Fair or poor health	16.8%
Poor mental health	16.8%
Poor physical health	11.6%
No health insurance	12.4%
Visited doctor (checkup)	77.8%
Visited dentist	61.8%
Cholesterol screening	88.8%
Teeth loss	16.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	170	15.2%

Disability	%
Any disability	10.5%
Under 18	2.2%
18–64 years	8.7%
65 and over	26.8%

Health insurance coverage

Type	%
Private insurance	70.9%
Public insurance	41.6%
No insurance	3.5%
Uninsured under 19	2.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,496	87.9%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,701	100.0%
Born in same state	1,688	99.2%
Born in different state	1,491	87.7%
Foreign born	13	0.8%
Naturalized citizen	0	0.0%
Not a US citizen	0	0.0%

Ancestry

Ancestry	Count	%
Italian	190	11.2%
French	174	10.2%
Arab	137	8.1%

Ancestry	Count	%
English	34	2%
Irish	32	1.9%

Technology access

Metric	% of households
Computer access	36.5%
Internet access	92.8%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 43732

What city is ZIP code 43732 in?

ZIP code 43732 is primarily assigned to Cumberland, Ohio.

What county is ZIP code 43732 in?

ZIP code 43732 falls within Guernsey County, Ohio.

Is ZIP code 43732 family-oriented?

34% of residents in ZIP code 43732 are under 18, reflecting a younger, family-oriented community.

Is ZIP code 43732 mostly owner-occupied?

89% of occupied units in ZIP code 43732 are owner-occupied, well above the national average.

How educated is the population of ZIP code 43732?

13% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Does ZIP code 43732 have a large veteran population?

15% of civilians in ZIP code 43732 are veterans, above the national average of ~7%.

What timezone is ZIP code 43732 in?

ZIP code 43732 observes the EST timezone.