Cost of Living in Cumming, GA

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B+
7%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
26%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Cumming Georgia National
Cost of living10796100
Groceries10199100
Health care9799100
Housing12688100
Transportation10199100
Utilities98102100
Lifestyle & Entertainment97100100
Household Items97100100
Education & Childcare9599100
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Homes For Sale In Cumming, GA

property for sale

4805 Carriage Bridge Ln

Cumming, GA
property for sale

4730 Piney Grove Rd

Cumming, GA
property for sale

2802 Buford Dam Rd

Cumming, GA
property for sale

7530 Williamsberg Dr

Cumming, GA
See the Newest Homes For Sale In Cumming, GA

Cost Of Living Quick Facts

  • The cost of living in Cumming is 11% higher than the Georgia average
  • The cost of living in Cumming is 7% higher than the national average
  • Cumming housing is 26% higher than the national average
  • Georgia general sales tax is 22% lower than the national average
  • Georgia state income tax is 61% lower than the national average

Most Affordable Places to Live in and Around Cumming

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Compare Cumming, GA Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$168,727$14,061$3,937$5,062
      Renters$50,595$4,216$1,180$1,518
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Cumming, GA, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Cumming, homeowners have a median income of $168,727. Using that number, a maximum of $3,937 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $50,595, which means there is a maximum of $1,180 to be spent on the costs of renting a home or apartment.

      Georgia Sales Tax

      State General Sales Tax With Max Surtax
      Georgia 4% 8%

      Georgia Income Tax

      State Income Tax (Low) Income Tax (High)
      Georgia 1% 5.57%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Rest Haven, GA448712.6%
      Oakwood, GA4,308964.0%
      Nelson, GA1,336982.1%
      Ball Ground, GA2,3091066.3%
      Buford, GA16,4701077.2%
      Cumming, GA6,7471076.7%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Anadarko, OK6,7467920.6%
      Sturtevant, WI6,749982.0%
      Bethel, AK6,74312929.2%
      Oneonta, AL6,743918.9%
      De Queen, AR6,7438416.4%
      Cumming, GA6,7471076.7%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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