23040 ZIP Code — Cumberland, VA

Cumberland County, Virginia

ZIP code 23040 is located in Cumberland, Virginia, within Cumberland County. It covers approximately 148.15 square miles and serves a population of 4,216 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 804.

About ZIP code 23040

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $161,200. Owner-occupancy sits near the national average at 70%.

Median household income is $55,286. SNAP benefit usage at 29% of households reflects economic stress in the area. 44% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is service, with education and healthcare as the leading industry. An above-average commute of 49 minutes suggests many residents work outside the immediate area.

College attainment at 10% is below the national average, consistent with a trades and production-oriented local economy.

Health indicators show elevated rates of smoking (21%) compared to national benchmarks.

Overall, ZIP code 23040 reflects a community defined by a trades-oriented workforce, a significant Social Security-dependent population, and elevated reliance on food assistance.

4,216

population

148.15

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

23040 ZIP code map

Cities in ZIP code 23040

Below are the cities the US Postal Service accepts for ZIP code 23040. Using any city not on this list may result in mail delivery delays.

City	Status
Cumberland	Preferred

Nearby ZIP codes

23123 New Canton (8.3 mi) 23027 Cartersville (9.6 mi) 23936 Dillwyn (13 mi) 23004 Arvonia (13.3 mi) 23022 Bremo Bluff (14.9 mi) 23966 Rice (15.2 mi) 23083 Jetersville (16.1 mi) 23038 Columbia (17.2 mi) 23909 Farmville (17.3 mi) 23139 Powhatan (17.5 mi) 23901 Farmville (17.8 mi) 23055 Fork Union (17.9 mi)

Demographics updated 05/2026

Population
Total population	4,216
Population density	28 / sq mi
State FIPS	51
County FIPS	049

Geography
Land area	148.15 sq mi
Water area	0.84 sq mi
Latitude	37.5257
Longitude	-78.2581
Timezone	Eastern (ET)
Area code	804

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	44.1%	46.6%	32.9%
$50k – $100k	39.9%	35.9%	29.2%
$100k – $200k	15.0%	16.0%	26.3%
Over $200k	1.1%	1.5%	11.6%

Demographics & statistics

4,216

Population

People per sq mi

48.1

Median age

$55,286

Median household income

$30,409

Per capita income

$161,200

Median home value

$840

Median monthly rent

70.1%

Home ownership

10.1%

Poverty rate

5.6%

Unemployment

1,483

Housing units

10.4%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

158

10–14

181

104

15–19

119

20–24

210

25–34

240

267

35–44

305

300

45–54

341

109

55–59

125

211

60–64

241

281

65–74

320

120

75–84

136

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	689	16.3%
18 and over	3,527	83.7%
65 and over	966	22.9%
Median age	48.1 years

Race & ethnicity

White 53.2%

Black or African American 43.8%

Two or more races 1.8%

Asian 0.5%

Hispanic or Latino 0.4%

American Indian / Alaska Native 0.2%

Group	Count	%
White	2,254	53.2%
Black or African American	1,854	43.8%
Two or more races	77	1.8%
Asian	23	0.5%
Hispanic or Latino	18	0.4%
American Indian / Alaska Native	8	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	44.1%	46.6%	32.9%
$50k – $100k	39.9%	35.9%	29.2%
$100k – $200k	15.0%	16.0%	26.3%
Over $200k	1.1%	1.5%	11.6%

Under $10k 4.2%

$10k–$15k 5.2%

$15k–$25k 3.7%

$25k–$35k 5.1%

$35k–$50k 19.4%

$50k–$75k 31.4%

$75k–$100k 13.6%

$100k–$150k 11.0%

$150k–$200k 5.2%

$200k+ 1.0%

Range	% of households
Under $10k	4.2%
$10k–$15k	5.2%
$15k–$25k	3.7%
$25k–$35k	5.1%
$35k–$50k	19.4%
$50k–$75k	31.4%
$75k–$100k	13.6%
$100k–$150k	11.0%
$150k–$200k	5.2%
$200k+	1.0%
Median income	$55,286

Housing

Home values

Under $50k 7.3%

$50k–$100k 13.1%

$100k–$150k 23.0%

$150k–$200k 24.5%

$200k–$300k 13.3%

$300k–$500k 17.7%

$500k–$1M 1.1%

Housing overview

Metric	Value
Median home value	$161,200
Median rent / month	$840
Owner occupied	70.1%
Renter occupied	29.9%
Vacant	10.4%
Single-family detached	67.8%
Large apartment buildings	0.0%
Mobile homes	30.8%
Median rooms	5.7
Avg household size (owned)	2.39

Year built

Era	%
2020 or later	0.0%
2010–2019	7.7%
2000–2009	14.9%
1990–1999	24.5%
1980–1989	11.4%
1970–1979	20.4%
1960–1969	7.5%
1950–1959	2.3%
1940–1949	4.0%
1939 or earlier	7.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	0.0%
2 bedrooms	15.8%
3 bedrooms	70.2%
4 bedrooms	11.5%
5+ bedrooms	2.4%

Vehicles per household

Vehicles	% of households
No vehicle	5.3%
1 vehicle	16.5%
2 vehicles	47.3%
3 or more	30.9%

Heating fuel

Fuel type	%
Utility gas	5.0%
Electricity	64.0%
Propane / LP gas	14.6%
Fuel oil	12.1%
Wood	3.9%
Solar	0.5%

Households & families

Household type	Count	%
Married-couple family	724	39.9%
Cohabiting couple	40	2.2%
Male householder, no spouse	405	22.3%
Female householder, no spouse	646	35.6%
Households with children under 18	506	27.9%
Households with seniors (65+)	741	40.8%
Average household size	2.32

Marital status

Status	Male	Female
Never married	29.5%	33.8%
Married	49.4%	39.5%
Separated	3.1%	0.3%
Widowed	7.9%	9.5%
Divorced	10.2%	16.8%

Education

Less than 9th grade 5.0%

Some HS, no diploma 6.4%

HS graduate 38.3%

Some college, no degree 26.5%

Associate's degree 13.3%

Bachelor's degree 4.0%

Graduate / professional 6.4%

Metric	%
HS diploma or higher	88.6%
Bachelor's or higher	10.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	30	4.5%
Kindergarten	0	0.0%
Elementary school	306	46.0%
High school	271	40.8%
College / grad school	58	8.7%

Employment

Industry of employment

Education & healthcare 28.0%

Construction 18.7%

Public administration 16.7%

Other services 6.6%

Retail trade 5.9%

Finance & real estate 5.9%

Transportation & utilities 5.7%

Professional & management 4.4%

Manufacturing 3.2%

Agriculture & mining 2.8%

Arts, food & hospitality 1.6%

Wholesale trade 0.5%

Occupation

Category	%
Management, business & arts	13.6%
Service	32.9%
Sales & office	24.0%
Natural resources & construction	13.6%
Production & transportation	15.9%

Employment type

Type	%
Private sector	62.8%
Government	28.2%
Self-employed	8.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	92.7%
Carpool	1.9%
Public transit	0.0%
Walk	0.0%
Work from home	4.6%
Other means	0.8%
Avg commute (minutes)	49.3

Poverty

All people 10.1%

Under 18 years 15.1%

18 and over 9.2%

Married-couple families 6.8%

Female-led households 14.9%

Income support

Source	% of households
Social Security	43.5%
Retirement income	27.3%
Supplemental Security	4.0%
Cash public assistance	2.2%
Food stamps / SNAP	28.5%

Health indicators

Condition	%
Obesity	41.1%
High blood pressure	41.3%
High cholesterol	34.1%
Diabetes	14.3%
Heart disease	7.2%
Stroke	4.1%
Asthma	10.7%
Arthritis	29.4%
Kidney disease	3.5%
Pulmonary disease	8.4%
Cancer	6.6%

Behavior / access	%
Smoking	21.3%
Binge drinking	14.3%
No physical activity	28.3%
Less than 7 hrs sleep	38.2%
Depression	20.6%
Fair or poor health	19.6%
Poor mental health	15.1%
Poor physical health	12.1%
No health insurance	14.9%
Visited doctor (checkup)	78.5%
Visited dentist	61.5%
Cholesterol screening	90.4%
Teeth loss	16.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	382	10.8%

Disability	%
Any disability	15.6%
Under 18	8.3%
18–64 years	11.4%
65 and over	32.1%

Health insurance coverage

Type	%
Private insurance	60.6%
Public insurance	45.4%
No insurance	6.8%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,096	97.2%
Spanish	9	0.2%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	9	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,203	99.7%
Born in same state	4,187	99.3%
Born in different state	3,426	81.3%
Foreign born	16	0.4%
Naturalized citizen	13	0.3%
Not a US citizen	13	100.0%

Ancestry

Ancestry	Count	%
French	440	10.4%
Arab	309	7.3%

Ancestry	Count	%
Italian	202	4.8%
English	5	0.1%

Technology access

Metric	% of households
Computer access	43.1%
Internet access	84.6%

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

Frequently asked questions about ZIP code 23040

What city is ZIP code 23040 in?

ZIP code 23040 is primarily assigned to Cumberland, Virginia.

What county is ZIP code 23040 in?

ZIP code 23040 falls within Cumberland County, Virginia.

How educated is the population of ZIP code 23040?

10% 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 23040 have a large retiree population?

44% of households in ZIP code 23040 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 23040 have a large veteran population?

11% of civilians in ZIP code 23040 are veterans, above the national average of ~7%.

What is the typical home value in ZIP code 23040?

The median home value in ZIP code 23040 is $161,200.

What timezone is ZIP code 23040 in?

ZIP code 23040 observes the EST timezone.