Cumming, GA—30041
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 $636,000, with a year-over-year change of -1.8%. 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 | $636,000 | -1.8% |
| Single Family | $648,000 | -1.8% |
| Condos | $511,000 | -1.4% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $310,000 | -3.7% |
2 Bed | $359,000 | -2.7% |
3 Bed | $473,000 | -2.3% |
4 Bed | $634,000 | -1.6% |
| 5 Bed | $840,000 | -2.4% |
% of Housing Stock
Rental Trends — Cumming, GA
As of July '25, Rentcast reports the average rent in Cumming, GA is $2,420, with a year-over-year rent change of 1.3%. Per bedroom, the median rent as of July '25 in Cumming, GA is studios: $1,580, 1-bedrooms: $1,530, 2-bedrooms: $1,920, 3-bedrooms: $2,390, 4-bedrooms: $2,920. The most common rental property sizes in Cumming, GA are 2-bedroom and 3-bedroom, accounting for 36.4% and 29.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,200 | $2,420 |
| Studio Rent | $1,580 | $1,580 |
| 1 Bed Rent | $1,580 | $1,530 |
| 2 Bed Rent | $1,880 | $1,920 |
| 3 Bed Rent | $2,300 | $2,390 |
| 4 Bed Rent | $2,900 | $2,920 |
% 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 54. This is a increase of 17.0% 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 42.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $694,000 | -3.0% |
Listing Count | 408 | 25.0% |
| Listings as % of Homes | 0.7% | 25.0% |
Days on Market | 54 | 17.0% |
Demographics — Cumming, GA
As of the latest ACS Survey released in 2023, Cumming, GA has a population of 75,200, which has increased by 13.0% over the past 5 years. Cumming, GA is a popular place for families, as children make up 26.7% of the population. The area has a highly educated workforce, with 59.7% of adult residents holding a bachelor’s degree or higher. There are many residents working remotely, with 31.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 75,200 | 13.0% |
% Under 18 | 26.7% | -5.7% |
% Seniors | 13.0% | 4.8% |
% WFH | 31.7% | 164.2% |
% w/ College Degree | 59.7% | 8.3% |
As of the latest ACS Survey released in 2023, Cumming, GA is a predominantly white area, with 63.4% of the population identifying as white. The white population has shrunk by 13.7% in the last 5 years. The second most common race or ethnicity in Cumming, GA is asian, making up 22.7% of the population. Foreign-born residents account for 22.7% of the population in Cumming, GA, and this percentage has increased by 35.9% 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 | 63.4% | -13.7% |
% Black | 2.8% | 7.7% |
% Hispanic | 8.3% | 12.2% |
% Asian | 22.7% | 59.9% |
% Foreign Born | 22.7% | 35.9% |
Mortgage and Risk — Cumming, GA
According to HUD data as of 2023, there were 1660 mortgage originations in Cumming, GA, of which 92.0% of loans were conventional mortgages. The average loan-to-value was 56.0%, with 17.0% above 90% LTV (elevated). This implies medium mortgage risk in Cumming, GA. Investor activity is low, as 3.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 1,660 |
% Conventional Loans | 92.0% |
% Government Loans | 8.0% |
% Investor Loans | 3.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 12.0% |
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 | 11 |
Total Units Section 8 | 11 |
% 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 | $330 | $1,580 | $1,910 |
| 2 Bedroom | $240 | $1,880 | $2,120 |
| 3 Bedroom | $250 | $2,300 | $2,550 |
| 4 Bedroom | $170 | $2,900 | $3,070 |
Affordability — Cumming, GA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.1 |
| Median Home Price | $636,000 |
| Median Household Income | $142,000 |