ZIP Code 30028 — Cumming, GA Home Prices (2026)
The typical home in ZIP 30028 (Cumming, Georgia) is worth about $547,000 at roughly $205 per square foot — 8% more affordable than the Cumming median and 86% more expensive than the typical U.S. home.
How 30028 compares
ZIP 30028 is one of the more affordable ZIP codes in Cumming: its typical home value of $547,000 ranks #3 of the 3 Cumming ZIP codes we track (the citywide range runs from $547,000 in 30028 to $636,000 in 30041). Per square foot it costs about $205, against $219 for Cumming as a whole, $175 for Georgia, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 30028 | $547,000 | $205 |
| Cumming, GA | $595,000 | $219 |
| Georgia | $260,000 | $175 |
| United States | $294,000 | $195 |
Home value by size in 30028
Using this ZIP’s rate of about $205 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $205,000 |
| 1,500 sq ft | $307,500 |
| 2,000 sq ft | $410,000 |
| 2,500 sq ft | $512,500 |
| 3,000 sq ft | $615,000 |
Salary needed to buy a home in ZIP 30028
To buy the typical $547,000 home in ZIP 30028 with 20% down, you need a household income of roughly $149,000 a year (about $3,470 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $177,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $27,400 | $4,320/mo | $185,000/yr |
| 10% (+PMI) | $54,700 | $4,130/mo | $177,000/yr |
| 20% | $109,400 | $3,470/mo | $149,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 30028
At about $205 per square foot, here is roughly how much home different budgets get you in ZIP 30028:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $250k | 1220 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1460 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1950 sq ft | below the local median — condos, smaller or older homes |
| $500k | 2440 sq ft | around the typical home here |
| $600k | 2930 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 30028 home.
Estimate a specific home in 30028
The estimator below is pre-set to ZIP 30028 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Cumming ZIP codes by home value
Where 30028 sits among Cumming’s 3 ZIP codes:
ZIP 30028 home prices: frequently asked
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See the full Cumming home values page, all Georgia cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.