Cumming, GA Rental Market for Investors
An estimated 23% of Cumming's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of August 2026.
As of August 2026, we analyzed 1,204 active for-sale homes in Cumming, Georgia. The typical listing is priced at $659,000 and is projected to generate about $50,541 a year as a short-term rental.
After setting aside an estimated 20% for operating costs, an estimated 22.8% of those homes could still cover an investor mortgage payment on short-term-rental income — below the 52.5% median across the 200 major metros we track, ranking Cumming #181 of 200 for cash-flow potential.
On market momentum: homes in Cumming sit a median of 59 days on the market, and 27% of active listings came on in just the last 30 days — a steadily paced market, which shapes how much room there is to negotiate.
For a DSCR loan — which qualifies on the property's rental income rather than your personal income — Cumming runs tighter once operating costs are accounted for: many listings need a below-median price, a stronger short-term-rental setup, or more money down before the income covers the payment. It's a market where running the numbers property-by-property matters.
What actually works in Cumming
Cash-flow is the exception rather than the rule in Cumming right now: 42 of the 923 Cumming homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $559,000.
| Price | 2 bed | 3 bed | 4 bed | 5 bed |
|---|---|---|---|---|
| $250k–$350k | 13%1.02 | 60%1.31 | — | — |
| $350k–$500k | 0%0.61 | 10%0.95 | 4%1.06 | 64%1.28 |
| $500k+ | — | 1%0.64 | 0%0.75 | 4%0.85 |
Darker means a larger share of that group cash-flows. “—” means fewer than 8 active listings — too few to draw a conclusion from.
Cumming in full
| Active for-sale homes analyzed | 1,204 |
|---|---|
| Median list price | $659,000 |
| Median projected STR revenue (annual, gross) | $50,541 |
| Median average daily rate (ADR) | $264 |
| Median occupancy | 52% |
| Median beds | 4 |
| Median size | 3,073 sqft |
| Estimated cash-flow-positive share | 22.8% |
| Median days on market | 59 days |
| New listings (last 30 days) | 27.0% of active |
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Estimates for educational purposes. Final terms subject to credit, property & program approval.
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Prefer to talk now? Call or text Chad: 858-353-8331.