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City · 7,444 residents · Gwinnett County, Georgia

Dacula , Georgia

In Dacula, a typical home is worth $359,000 and typical rent is $1,836 a month. Compared with all of Gwinnett County, typical household income is 15% higher, the typical home value is 6% lower, and the share of households that own their home is 17 points higher.

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  • Typical home value

    $359,000

    6% below the county

    18% above Georgia

    • Dacula
    • Gwinnett
    • Georgia

  • Typical rent

    $1,836a month

    About the same as the county

    32% above Georgia

    • Dacula
    • Gwinnett
    • Georgia

  • Typical household income

    $100,821a year

    15% above the county

    30% above Georgia

    • Dacula
    • Gwinnett
    • Georgia

  • Households that own their home

    83%

    17 points above the county

    18 points above Georgia

    • Dacula
    • Gwinnett
    • Georgia

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$440,265
3.1% less than 12 months ago
Typical rent
$2,503 a month
2.5% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Dacula is in Gwinnett County. The FHA loan limit ($718,750 for a one-unit home), the fair market rents and the help on this page are those of all of Gwinnett County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Dacula apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Winder, the typical rent is $1,209: 34% less than in Dacula ($1,836).

  2. 83% of households in Dacula own their home, against 66% in Gwinnett County.

  3. Nearby, in Winder, the typical home value is $288,500: 20% less than in Dacula ($359,000).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Dacula

What homes there are in Dacula, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Dacula, 10 in 10 homes are single-family detached houses; in Gwinnett County, 7.

Year built

In Dacula, half of the homes were built before 1999; in Gwinnett County, before 1996.

Homes in Dacula are bigger: 98% have 3 bedrooms or more; in Gwinnett County, 76%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,932 a month

Gwinnett County: $2,050 a month

Owners with a mortgage

77%

Gwinnett County: 70%

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Dacula rose 106%; in Gwinnett County, it rose 75%.

The typical rent in Dacula rose 38% over the same time; in Gwinnett County, it rose 42%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureDaculaGwinnett CountyGeorgiaUnited States
Rental vacancy Unreliable estimate5.1%6.8%5.5%
Homeowner vacancy Unreliable estimate0.7%1.1%0.9%
More than one person per room Unreliable estimate3.7%2.4%3.4%
People per household 3.372.982.622.53
Drive alone 65%67%71%69%
Carpool 12%12%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 20%18%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 3.37 on average, against 2.98 in Gwinnett County.

In Dacula, 65% of workers drive alone to work; in Gwinnett County, 67%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Dacula?

A typical home is tight for the typical income

We start with a typical home in Dacula, worth $359,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Dacula, which is $100,821 a year. For that payment to be 28% of income, a household would need to earn about $129,019 a year.

The calculator's FHA and conventional loan limits are those of all of Gwinnett County.

Your numbers

Local data
$

Starts at the typical home value in Dacula. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $12,565 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,010

at 7.18% · 30 years

Loan amount
$352,498
Total interest
$507,161
Paid off in
November 2056

Includes $6,063 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,352 a month

  • Tight

    $2,352 to $3,025 a month

    Your payment · 36%

  • Hard

    more than $3,025 a month

Compared with the typical household income in Dacula ($100,821 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,010
Principal & interest$2,388
Property tax$314
Home insurance$150
FHA mortgage insurance (MIP)$159

You need at least $12,565 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Dacula and Gwinnett County

Dacula is in Gwinnett County, Georgia. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Dacula's own numbers

Typical home value
$359,000
Typical monthly rent
$1,836
Typical yearly household income
$100,821
Households that own their home
83%
Effective property tax rate
1.05%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Gwinnett County

FHA limit, one-unit home
$718,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,762
Price change over 5 years (FHFA)
+67%
Homes in a high flood-risk zone
0.3%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Gwinnett County.

Everything about Gwinnett County

Buying

Buying a home in Dacula

A typical home in Dacula is worth $359,000: 6% below the county and 18% above Georgia. With the typical household income in Dacula ($100,821 a year), a typical home costs 3.6 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Dacula 3.6 years
  • Gwinnett 4.3 years
  • Georgia 3.9 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Gwinnett County

According to FHFA’s house price index, home prices in Gwinnett County rose 137% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Gwinnett County.

Period County Georgia U.S.
Last year (2025) +1.7% +2.2% +2.9%
5 years (2020–2025) +67% +58% +47%
10 years (2015–2025) +137% +110% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Dacula next to Gwinnett County, Georgia and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Dacula $359,000
  • Gwinnett $380,900
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Dacula $1,836
  • Gwinnett $1,810
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Dacula $100,821
  • Gwinnett $87,890
  • Georgia $77,353
  • United States $80,734
See the full table
Dacula next to Gwinnett County and Georgia
Measure Dacula Gwinnett County Georgia U.S.
Typical home value $359,000 $380,900 $303,300 $332,700
Typical monthly rent $1,836 $1,810 $1,393 $1,413
Typical yearly household income $100,821 $87,890 $77,353 $80,734
Households that own their home 83% 66% 66% 65%
Typical yearly property tax $3,752 $3,617 $2,341 $3,119
Effective property tax rate 1.05% 0.95% 0.77% 0.94%
Renters with high rent for their income 55% 62% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Gwinnett County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Dacula

For a typical $359,000 home in Dacula, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Dacula's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,010a month

    Least cash to close
    Down payment
    $12,565
    Cash to close
    $23,335
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $159

  • Conventional, 5% down $2,945a month

    Down payment
    $17,950
    Cash to close
    $28,720
    Rate
    7.18%
    Mortgage insurance
    PMI · $171

  • Conventional, 20% down, no PMI $2,409a month

    Down payment
    $71,800
    Cash to close
    $82,570
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,741a month

    Down payment
    $53,850
    Cash to close
    $64,620
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Dacula and for Gwinnett County.

Property tax

Effective rate in Dacula

1.05%of the home’s value each year

$3,752 a year for the typical owner in Dacula.

  • Dacula 1.05%
  • Gwinnett 0.95%
  • Georgia 0.77%

What Georgia publishes Standard state homestead exemption (Georgia Department of Revenue)

Exemptions and deadlines in Georgia

Flood risk in Gwinnett County

FEMA does not publish these numbers by city: they are for all of Gwinnett County.

Homes in the high-risk zone
0.3%
745
Of those, with NFIP insurance
63%
County Georgia U.S.
Homes in the high-risk zone 0.3% 2% 3.5%
Of those, with NFIP insurance 63% 43% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Dacula

Typical rent in Dacula is $1,836 a month: about the same as the county. In Dacula, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Gwinnett County, by unit size. To pay the 2-bedroom one ($1,762 a month) without spending more than 30% of your income, you would need to earn $33.88 an hour working full time.

HUD fair market rent for all of Gwinnett County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,554 $29.88 $62,160
1 bedroom $1,619 $31.13 $64,760
2 bedrooms $1,762 $33.88 $70,480
3 bedrooms $2,099 $40.37 $83,960
4 bedrooms $2,493 $47.94 $99,720

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Dacula

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Dacula is in ZIP code 30019.

For 2 bedrooms it is $2,190: $428 more than the fair market rent for Gwinnett County ($1,762).

  • 30019 $2,190$2,610

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Dacula when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Dacula

HUD lists one building with rents for lower incomes in Dacula.

  • Alcove at Rivers Edge 1395 Winder Hwy, Dacula 30019 156 homes, 15 low-income (678) 726-1501

See all 44 buildings in Gwinnett County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Dacula

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Gwinnett County. The nearest ones are below; many serve by phone or online.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Dacula

No down payment, repair or rent-help program on our list is for Dacula or Gwinnett County. The ones below are statewide in Georgia: they work in Dacula the same as in the rest of the state.

Which programs do I qualify for? All programs in Georgia

  • Georgia Dream Homeownership Program

    Statewide in Georgia

    Georgia state program for first-time buyers: a mortgage with down payment assistance of up to 5% of the price or $10,000, as a 0% second mortgage with no monthly payments. Offered by Georgia Department of Community Affairs.

    Deferred

    See the program Official page

  • Georgia Dream Peach Plus Loan Program

    Statewide in Georgia

    FHA or VA mortgage from the Georgia Dream program with down payment assistance of 3.5% of the price (up to $10,000), or 4% (up to $12,500) for police officers, educators, health care workers, military members or families with a person with a disability; no first-time buyer requirement. Offered by Georgia Department of Community Affairs.

    Type not stated

    See the program Official page

Housing counselors near Dacula

The HUD-approved agencies closest to the center of Dacula, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Catholic Charities of the Archdiocese of Atlanta

    2305 Parklake Dr NE, Atlanta · 22 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (770) 790-3112

  • Refugee Family Assistance Program

    5405 Memorial Drive Suite 101, Stone Mountain · 22 miles away

    Also serves in Arabic, Farsi, other languages, Swahili, and 1 more language.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (404) 296-8743

  • Center for Pan Asian Community Services, Inc

    3510 Shallowford Rd NE, Atlanta · 23 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (770) 936-0969

All counseling agencies in Georgia

Help in Spanish near Dacula

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Dacula

In HUD’s record, no housing authority with an office in Gwinnett County is named for Dacula or Gwinnett County.

3 other authorities have an office in Gwinnett County: see the list Source: HUD

Cities

Other cities in Gwinnett County

These cities are also in Gwinnett County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Gwinnett County Housing in Georgia

Nearby cities

The cities closest to Dacula, with the typical home value.

Neighboring counties

If Gwinnett County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Dacula.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Dacula

Short answers with the numbers for Dacula and all of Gwinnett County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Dacula?

The typical home value in Dacula is $359,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Gwinnett County it is $380,900.

How much does it cost to rent in Dacula?

Typical rent in Dacula is $1,836 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Gwinnett County is $1,762.

What is the FHA loan limit in Dacula?

Dacula uses the FHA limit for all of Gwinnett County (2026): $718,750 for a one-unit home and $1,382,250 for a four-unit home.

How much property tax do owners pay in Dacula?

The typical homeowner in Dacula pays $3,752 a year, according to the U.S. Census Bureau. That is 1.05% of the home’s value; in Gwinnett County, the rate is 0.95%.

Where can I find free help to buy or rent in Dacula?

We found no HUD-approved counseling agencies with an office in Gwinnett County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).