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City · 32,426 residents · Gwinnett County, Georgia

Duluth , Georgia

In Duluth, a typical home is worth $400,800 and typical rent is $1,828 a month. Compared with all of Gwinnett County, typical household income is 8% higher, the typical home value is 5% higher, and the share of households that own their home is 10 points lower.

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  • Typical home value

    $400,800

    5% above the county

    32% above Georgia

    • Duluth
    • Gwinnett
    • Georgia

  • Typical rent

    $1,828a month

    About the same as the county

    31% above Georgia

    • Duluth
    • Gwinnett
    • Georgia

  • Typical household income

    $95,331a year

    8% above the county

    23% above Georgia

    • Duluth
    • Gwinnett
    • Georgia

  • Households that own their home

    57%

    10 points below the county

    9 points below Georgia

    • Duluth
    • Gwinnett
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$433,804
2.6% less than 12 months ago
Typical rent
$1,648 a month
about the same as 12 months ago

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

Duluth 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 Duluth apart

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

  1. Nearby, in Lilburn, the typical home value is $329,700: 18% less than in Duluth ($400,800).

  2. 57% of households in Duluth own their home, against 66% in Gwinnett County.

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

The homes here

Housing in Duluth

What homes there are in Duluth, 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 Duluth there is a bit of everything: no kind of home reaches half. The most common are detached houses (47%); in Gwinnett County, 71%.

Year built

In Duluth, half of the homes were built before 1994; in Gwinnett County, before 1996.

There are fewer big homes in Duluth than in Gwinnett County: 60% have 3 bedrooms or more, against 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

$2,116 a month

Gwinnett County: $2,050 a month

Without a mortgage

$678 a month

Gwinnett County: $664 a month

Owners with a mortgage

64%

Gwinnett County: 70%

Owning costs about the same in Duluth as in Gwinnett County: with a mortgage, $2,116 a month; without one, $678.

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

The typical home value in Duluth rose 75% since 2015–2019, about the same as in Gwinnett County (75%).

The typical rent in Duluth rose 34% over the same time; in Gwinnett County, it rose 42%.

The typical household income in Duluth rose 34% over that time; home values changed +75% and rent +34%.

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

MeasureDuluthGwinnett CountyGeorgiaUnited States
Rental vacancy 6.0%5.1%6.8%5.5%
Homeowner vacancy Unreliable estimate0.7%1.1%0.9%
More than one person per room 2.2%3.7%2.4%3.4%
People per household 2.452.982.622.53
Drive alone 65%67%71%69%
Carpool 11%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

Open rentals in Duluth look like those in Gwinnett County: the rental vacancy rate is 6.0%.

In Duluth, 2.2% of households live with more than one person per room, against 3.7% in Gwinnett County.

Fewer people live in each home here: 2.45 on average, against 2.98 in Gwinnett County.

In Duluth, 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 Duluth?

A typical home costs more than the typical income allows

We start with a typical home in Duluth, worth $400,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Duluth, which is $95,331 a year. For that payment to be 28% of income, a household would need to earn about $142,609 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 Duluth. 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 $14,028 (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

$3,328

at 7.18% · 30 years

Loan amount
$393,541
Total interest
$566,212
Paid off in
November 2056

Includes $6,769 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,224 a month

  • Tight

    $2,224 to $2,860 a month

  • Hard

    more than $2,860 a month

    Your payment · 42%

Compared with the typical household income in Duluth ($95,331 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,328
Principal & interest$2,666
Property tax$317
Home insurance$167
FHA mortgage insurance (MIP)$177

You need at least $14,028 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

Duluth and Gwinnett County

Duluth 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).

Duluth's own numbers

Typical home value
$400,800
Typical monthly rent
$1,828
Typical yearly household income
$95,331
Households that own their home
57%
Effective property tax rate
0.95%

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 Duluth

A typical home in Duluth is worth $400,800: 5% above the county and 32% above Georgia. With the typical household income in Duluth ($95,331 a year), a typical home costs 4.2 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.

  • Duluth 4.2 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

Duluth 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
  • Duluth $400,800
  • Gwinnett $380,900
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Duluth $1,828
  • Gwinnett $1,810
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Duluth $95,331
  • Gwinnett $87,890
  • Georgia $77,353
  • United States $80,734
See the full table
Duluth next to Gwinnett County and Georgia
Measure Duluth Gwinnett County Georgia U.S.
Typical home value $400,800 $380,900 $303,300 $332,700
Typical monthly rent $1,828 $1,810 $1,393 $1,413
Typical yearly household income $95,331 $87,890 $77,353 $80,734
Households that own their home 57% 66% 66% 65%
Typical yearly property tax $3,826 $3,617 $2,341 $3,119
Effective property tax rate 0.95% 0.95% 0.77% 0.94%
Renters with high rent for their income 53% 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 Duluth

For a typical $400,800 home in Duluth, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Duluth's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,328a month

    Least cash to close
    Down payment
    $14,028
    Cash to close
    $26,052
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $177

  • Conventional, 5% down $3,254a month

    Down payment
    $20,040
    Cash to close
    $32,064
    Rate
    7.18%
    Mortgage insurance
    PMI · $190

  • Conventional, 20% down, no PMI $2,656a month

    Down payment
    $80,160
    Cash to close
    $92,184
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,027a month

    Down payment
    $60,120
    Cash to close
    $72,144
    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 Duluth and for Gwinnett County.

Property tax

Effective rate in Duluth

0.95%of the home’s value each year

$3,826 a year for the typical owner in Duluth.

  • Duluth 0.95%
  • 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 Duluth

Typical rent in Duluth is $1,828 a month: about the same as the county. In Duluth, 53% 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 Duluth

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Duluth has 2 ZIP codes with their own.

For 2 bedrooms it runs from $2,020 in 30096 to $2,090 in 30097.

2 of the 2 are above the fair market rent for Gwinnett County ($1,762).

  • 30096 $2,020$2,410
  • 30097 $2,090$2,490

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Duluth 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 Duluth

HUD lists 4 buildings with rents for lower incomes in Duluth. These are the largest.

  • Breckenridge Creste Apt 1470 Boggs Rd, Duluth 30096 218 low-income homes · In service since 1990
  • Palisades Club Apartments 2255 Satellite Blvd, Duluth 30097 268 homes, 194 low-income · 1 bd: 96 · 2 bd: 104 · 3 bd: 60 · 4 bd: 8 · In service since 2001
  • Sweetwater Terraces 3555 Sweetwater Rd, Duluth 30096 165 homes · In service since 2008
  • Magnolia Pointe 1475 Boggs Rd, Duluth 30096 96 homes · In service since 2000

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

Free help

Help to buy or rent in Duluth

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Duluth

No down payment, repair or rent-help program on our list is for Duluth or Gwinnett County. The ones below are statewide in Georgia: they work in Duluth 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 Duluth

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

  • NSC (naca Counseling Subsidiary) - Atlanta, GA

    3690 N Peachtree Rd, Atlanta · 11 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (404) 377-4545

  • Center for Pan Asian Community Services, Inc

    3510 Shallowford Rd NE, Atlanta · 11 miles away

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

  • Catholic Charities of the Archdiocese of Atlanta

    2305 Parklake Dr NE, Atlanta · 12 miles away · Spanish

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

All counseling agencies in Georgia

Help in Spanish near Duluth

2 of the 3 agencies on this list say they serve 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 Duluth

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

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Duluth

Short answers with the numbers for Duluth 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 Duluth?

The typical home value in Duluth is $400,800, 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 Duluth?

Typical rent in Duluth is $1,828 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 Duluth?

Duluth 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 Duluth?

The typical homeowner in Duluth pays $3,826 a year, according to the U.S. Census Bureau. That is 0.95% of the home’s value; in Gwinnett County, the rate is 0.95%.

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

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).