The town of Cumberland is located northwest of the center of Barron County.
The city of Cumberland takes up what would have been the northwest corner of the town, at the southeast end of Beaver Dam Lake.
The easternmost end of the lake extends into the town of Cumberland.
Wisconsin Highway 48 runs across the northern part of the town, connecting the city of Cumberland to the west with Rice Lake to the east.
15.8% of all households were made up of individuals, and 8.3% had someone living alone who was 65 years of age or older.