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 October 2026.
As of October 2026, we analyzed 1,171 active for-sale homes in Cumming, Georgia. The typical listing is priced at $659,990 and is projected to generate about $49,541 a year as a short-term rental.
After setting aside an estimated 20% for operating costs, an estimated 23.3% of those homes could still cover an investor mortgage payment on short-term-rental income — below the 53.1% median across the 200 major metros we track, ranking Cumming #179 of 200 for cash-flow potential.
On market momentum: homes in Cumming sit a median of 54 days on the market, and 28% 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: 38 of the 878 Cumming homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $626,000.
| Price | 2 bed | 3 bed | 4 bed | 5 bed |
|---|---|---|---|---|
| $250k–$350k | 11%1.10 | 75%1.40 | — | — |
| $350k–$500k | 0%0.63 | 6%0.94 | 8%1.02 | 55%1.32 |
| $500k+ | — | 1%0.64 | 0%0.72 | 4%0.89 |
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 | 1,171 |
|---|---|
| Median list price | $659,990 |
| Median projected STR revenue (annual, gross) | $49,541 |
| Median average daily rate (ADR) | $265 |
| Median occupancy | 51% |
| Median beds | 4 |
| Median size | 3,059 sqft |
| Estimated cash-flow-positive share | 23.3% |
| Median days on market | 54 days |
| New listings (last 30 days) | 28.3% 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.