ZIP CODE 30040 // ATLANTA-SANDY SPRINGS-ALPHARETTA, GA // DATA AS OF 2026-09-30
Cumming, GA (30040) Rental Property Cap Rate & Cash Flow Report
Located in Forsyth County (Cumming, GA), Zip Code 30040 ranks #313 of 500 within this selected sample (38th percentile) with a Zillow ZHVI typical home-value index of $581,701 (-2.0% YoY) and a ZORI observed market rent of $2,299/mo (-0.3% YoY). Requires at least 63.1% down payment at 6.5% interest to reach $0/mo break-even cash flow. This model combines different housing populations; it is not an observed average property return. Costs assume state-average tax, 0.5% annual insurance, 13% reserves and no HOA or management. Figures below follow your edits; this headline describes the original benchmark.
Net Monthly Cash Flow
-$1,586/mo
Annual: -$19,032/yr
Modeled Cap Rate
2.80%
NOI: $16,265/yr
Cash-on-Cash Return
-14.23%
Cash Needed: $133,791
1% Rule Ratio
0.40%
Gross Yield: 4.74%
Break-Even Rent
$4,122/mo
State Tax: 0.83%/yr
INTERACTIVE PRO-FORMA STATEMENT (ZIP 30040 BENCHMARK)
Edit any value
Purchase Price (ZHVI proxy)
Monthly Gross Rent (ZORI proxy)
Down Payment (%)
Interest Rate (30Y Fixed %)
Annual Property Tax (GA Avg 0.83%)
Annual Home Insurance ($)
Monthly HOA Fee ($)
Monthly Debt Service (P&I)
-$2,941/mo
Monthly Operating Expenses (Tax + Ins + 13% Reserves)
-$944/mo
HISTORICAL ZHVI PRICE VS. ZORI RENT TRAJECTORY (30040)
| Year | ZHVI Value | ZORI Rent | Gross Yield |
|---|---|---|---|
| 2021 | $449,861 | $1,929/mo | 5.15% |
| 2022 | $557,900 | $2,212/mo | 4.76% |
| 2023 | $576,116 | $2,266/mo | 4.72% |
| 2024 | $608,748 | $2,259/mo | 4.45% |
| 2025 | $593,819 | $2,306/mo | 4.66% |
| 2026 | $581,701 | $2,299/mo | 4.74% |
COMPARABLE U.S. RENTAL MARKETS
| Zip / City | Price | Rent | Cap Rate | Cash Flow |
|---|---|---|---|---|
| 30114 Canton, GA | $467,647 | $1,841/mo | 2.78% | -$1,281/mo |
| 30096 Duluth, GA | $403,704 | $1,616/mo | 2.85% | -$1,083/mo |
| 30066 Marietta, GA | $441,506 | $1,865/mo | 3.08% | -$1,099/mo |
| 30041 Cumming, GA | $620,123 | $2,149/mo | 2.29% | -$1,953/mo |
| 30062 Marietta, GA | $553,056 | $1,875/mo | 2.21% | -$1,778/mo |
| 30024 Suwanee, GA | $597,485 | $1,975/mo | 2.12% | -$1,965/mo |