Cumming, GA—30028
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Cumming, GA
As of Oct '25, the median home price in Cumming, GA is $544,000, with a year-over-year change of -1.9%. This indicates that home prices in Cumming, GA are decreasing. According to Zillow, the 1-year price projection is 0.9%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $544,000 | -1.9% |
| Single Family | $544,000 | -2.0% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $330,000 | -3.8% |
3 Bed | $425,000 | -3.2% |
4 Bed | $535,000 | -2.0% |
| 5 Bed | $649,000 | -2.1% |
% of Housing Stock
Rental Trends — Cumming, GA
As of July '25, Rentcast reports the average rent in Cumming, GA is $2,300, with a year-over-year rent change of 0.0%. Per bedroom, the median rent as of July '25 in Cumming, GA is 1-bedrooms: $1,590, 2-bedrooms: $1,940, 3-bedrooms: $2,170, 4-bedrooms: $2,590. The most common rental property sizes in Cumming, GA are 3-bedroom and 4-bedroom, accounting for 32.2% and 31.2% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,150 | $2,300 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,600 | $1,590 |
| 2 Bed Rent | $1,960 | $1,940 |
| 3 Bed Rent | $2,200 | $2,170 |
| 4 Bed Rent | $2,550 | $2,590 |
% of Rental Stock
Property Listings — Cumming, GA
As of Oct '25, Realtor.com reports that the median days on market for a home in Cumming, GA is 62. This is a increase of 24.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 36.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $638,000 | -7.0% |
Listing Count | 292 | 48.0% |
| Listings as % of Homes | 1.5% | 48.0% |
Days on Market | 62 | 24.0% |
Demographics — Cumming, GA
As of the latest ACS Survey released in 2023, Cumming, GA has a population of 36,600, which has increased by 46.7% over the past 5 years. Cumming, GA is a popular place for families, as children make up 29.8% of the population. The area has a moderately educated workforce, with 42.5% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 24.8% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 36,600 | 46.7% |
% Under 18 | 29.8% | 8.0% |
% Seniors | 10.1% | -16.5% |
% WFH | 24.8% | 131.8% |
% w/ College Degree | 42.5% | 9.5% |
As of the latest ACS Survey released in 2023, Cumming, GA is a predominantly white area, with 77.5% of the population identifying as white. The white population has shrunk by 10.5% in the last 5 years. The second most common race or ethnicity in Cumming, GA is hispanic, making up 10.7% of the population. Foreign-born residents account for 10.6% of the population in Cumming, GA, and this percentage has increased by 49.3% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 77.5% | -10.5% |
% Black | 3.3% | 94.1% |
% Hispanic | 10.7% | 20.2% |
% Asian | 3.8% | 100.0% |
% Foreign Born | 10.6% | 49.3% |
Mortgage and Risk — Cumming, GA
According to HUD data as of 2023, there were 1161 mortgage originations in Cumming, GA, of which 87.0% of loans were conventional mortgages. The average loan-to-value was 63.0%, with 27.0% above 90% LTV (very high). This implies large mortgage risk in Cumming, GA. Investor activity is low, as 1.0% of loans were by investors. 11.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 1,161 |
% Conventional Loans | 87.0% |
% Government Loans | 13.0% |
% Investor Loans | 1.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 11.0% |
Loan Activity
Rentals and Section 8 — Cumming, GA
As of 2024, the percent of homes in Cumming, GA under the Section 8 program is 0.3%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Cumming, GA, all tracked home sizes have HUD payment amounts above market rent, suggesting strong Section 8 opportunity across the board.
Section 8 Market Size
Total Units under HUD | 5 |
Total Units Section 8 | 5 |
% Rentals under Section 8 | 0.3% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $340 | $1,600 | $1,940 |
| 2 Bedroom | $190 | $1,960 | $2,150 |
| 3 Bedroom | $390 | $2,200 | $2,590 |
| 4 Bedroom | $570 | $2,550 | $3,120 |
Affordability — Cumming, GA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.8 |
| Median Home Price | $544,000 |
| Median Household Income | $133,000 |