Zip lookup · GA

30040
Cumming, Georgia.

Cumming, Forsyth County, GA · Atlanta-Sandy Springs-Alpharetta, GA metro · population 82,532

What it costs per month · 30040 $3,053/mo

to buy the typical home at today's mortgage rate — +$1,768 (+138%) since Jan 2020.

What the home itself did
1 year
Down $12,118 -2%
$593,819$581,701 since Sep 2025
5 years
Up $131,839 +29%
$449,861$581,701 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$1,000 $2,000 $3,000 2002 2006 2010 2014 2018 2022 2026 30040 $3,053 United States $1,922
$1,000 $2,000 $3,000 2002 2010 2018 2026
  • 30040$3,053
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 13 years.

Typical home values in zip 30040 fell 2.0% over the past year — slower than the nation's +1.2%.

Asking rents in zip 30040 fell 0.3% over the past year — slower than the nation's +2.7%.

Owning the typical home in zip 30040 runs $1,731/mo more than renting one. The gap peaked at $2,025 in May 2024.

That is $4,030 a month against $2,299 rent: a $3,053 mortgage payment, plus $354 property tax and $623 insurance & upkeep.

Owning vs renting — zip 30040

The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.

$2,000 $3,000 $4,000 2018 2020 2022 2024 2026 Owning all in $4,030 Renting $2,299 Mortgage only $3,053
$2,000 $3,000 $4,000 2018 2022 2026
  • Owning all in$4,030
  • Renting$2,299
  • Mortgage only$3,053

Property tax · $354/mo 0.73% of value a year — the ACS 2020-2024 median bill over the median home value for 2 counties

Insurance & upkeep · $623/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.

Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.

This zip spans 2 counties: Forsyth County, GA 98% · Cherokee County, GA 2%

Zillow also publishes an index for the city itself: Cumming, GA — measured over the city limits, which is a different area from this zip.

Asking rent $2,299 as of Sep 2026
-0.3%year on year
Typical home value $581,701 as of Sep 2026
-2.0%year on year

Asking rent — 30040

Against the Atlanta-Sandy Springs-Alpharetta, GA metro and the national benchmark.

$1,250 $1,500 $1,750 $2,000 $2,250 2018 2020 2022 2024 2026 30040 $2,299 Atlanta $1,843 United States $1,932
$1,250 $1,500 $1,750 $2,000 $2,250 2018 2022 2026
  • 30040$2,299
  • Atlanta$1,843
  • United States$1,932

Typical home value — 30040

Mid-tier homes, smoothed and seasonally adjusted.

$200,000 $400,000 $600,000 2018 2020 2022 2024 2026 30040 $581,701 Atlanta $375,898 United States $366,157
$200,000 $400,000 $600,000 2018 2022 2026
  • 30040$581,701
  • Atlanta$375,898
  • United States$366,157

Within 20 miles

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
5.0 30041 Cumming 77,664 $2,149 $620,123
5.0 30028 Cumming 38,433 $2,063 $535,864
8.5 30004 Alpharetta 68,707 $2,225 $749,760
9.3 30005 Alpharetta 41,836 $2,033 $747,341
10.6 30518 Buford 57,912 $2,043 $453,284
11.7 30024 Suwanee 88,067 $1,975 $597,485
11.9 30009 Alpharetta 21,095 $2,278 $754,308
12.6 30107 Ball Ground 19,134 $2,128 $482,629
12.7 30115 Canton 53,687 $2,027 $546,718
13.2 30097 Duluth 46,876 $1,934 $706,506
13.6 30022 Alpharetta 64,546 $1,952 $664,697
15.0 30534 Dawsonville 34,365 $2,135 $438,371
15.2 30076 Roswell 46,054 $1,655 $578,285
15.7 30542 Flowery Branch 38,605 $1,851 $420,239
16.2 30519 Buford 59,997 $2,087 $454,814
16.3 30566 Oakwood 9,447 $1,621 $315,206
16.4 30075 Roswell 56,263 $2,327 $702,271
16.6 30096 Duluth 71,732 $1,616 $403,704
17.0 30504 Gainesville 29,422 $2,033 $362,935
17.1 30188 Woodstock 69,518 $2,164 $462,199
17.2 30092 Peachtree Corners 36,992 $1,432 $552,608
17.2 30177 Tate 784 — $295,070
17.5 30148 Marble Hill 973 — $460,172
17.7 30043 Lawrenceville 87,929 $1,916 $399,072
18.6 30350 Atlanta 35,170 $1,484 $525,597
18.7 30506 Gainesville 45,612 $2,083 $443,895
19.2 30071 Norcross 25,830 $1,860 $353,426

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.