Cost Of Living in Cumming, GA

The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index	Cumming	Georgia	National
Cost of living	105	93	100
Goods & Services	100	97	100
Groceries	101	98	100
Health care	109	100	100
Housing	122	86	100
Transportation	99	94	100
Utilities	81	86	100

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Cost Of Living Quick Facts

The cost of living in Cumming is 13% higher than the Georgia average
The cost of living in Cumming is 5% higher than the national average
Cumming housing is 22% 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

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Price difference in compared to

Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$111,635	$9,303	$2,605	$3,349
Renters	$34,333	$2,861	$801	$1,030

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 $111,635. Using that number, a maximum of $2,605 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $34,333, which means there is a maximum of $801 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%

Goods & Services

Item	Cumming	National avg.	Difference
Haircut	$27.25	$24.26	12.3%
Beauty Salon	$56.36	$45.56	23.7%
Toothpaste	$3.74	$3.70	0.9%
Shampoo	$1.33	$1.28	3.9%
Movie	$15.20	$12.13	25.3%
Bowling	$20.98	$18.00	16.5%

Groceries

Item	Cumming	National avg.	Difference
Ground Beef	$5.25	$5.84	10.1%
Fried Chicken	$1.61	$1.57	2.1%
Milk	$4.69	$4.67	0.4%
Potatoes	$5.32	$4.93	7.9%
Pizza	$11.36	$12.09	6.0%
Beer	$10.39	$10.41	0.2%

Health Care

Item	Cumming	National avg.	Difference
Optometrist	$129.73	$125.68	3.2%
Doctor	$128.57	$135.78	5.3%
Dentist	$144.73	$113.29	27.8%
Ibuprofen	$10.74	$10.65	0.8%
Lipitor	$495.22	$468.60	5.7%

Housing

Item	Cumming	National avg.	Difference
Home Price	$239,500.00	$184,700.00	29.7%
Avg. Mortgage Payment	$2,292.55	$2,346.69	2.3%
Apartment Rent	$981.00	$949.00	3.4%

Transportation

Item	Cumming	National avg.	Difference
Gasoline	$3.20	$3.46	7.5%
Tire Balancing	$69.77	$59.92	16.4%

Utilities

Item	Cumming	National avg.	Difference
All Electricity	$134.81	$193.99	30.5%
Phone	$191.28	$192.25	0.5%

Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Rest Haven, GA	43	87	13.1%
Oakwood, GA	4,191	94	6.1%
Nelson, GA	1,302	94	6.4%
Ball Ground, GA	2,230	105	4.9%
Buford, GA	16,003	106	6.5%
Cumming, GA	6,528	105	5.0%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Camp Swift, TX	6,529	86	13.8%
East Rochester, NY	6,530	91	8.8%
Shannon, QC	6,530	n/a
Northborough, MA	6,532	143	42.7%
Mount Vernon, IN	6,535	91	8.6%
Cumming, GA	6,528	105	5.0%

Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.

Cost of Living in Cumming, GA