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City · 26,128 residents · Gwinnett County, Georgia

Sugar Hill , Georgia

In Sugar Hill, a typical home is worth $413,400 and typical rent is $1,862 a month. Compared with all of Gwinnett County, typical household income is 22% higher, the typical home value is 9% higher, and the share of households that own their home is 14 points higher.

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  • Typical home value

    $413,400

    9% above the county

    36% above Georgia

    • Sugar Hill
    • Gwinnett
    • Georgia

  • Typical rent

    $1,862a month

    3% above the county

    34% above Georgia

    • Sugar Hill
    • Gwinnett
    • Georgia

  • Typical household income

    $107,389a year

    22% above the county

    39% above Georgia

    • Sugar Hill
    • Gwinnett
    • Georgia

  • Households that own their home

    80%

    14 points above the county

    14 points above Georgia

    • Sugar Hill
    • Gwinnett
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$437,583
3.1% less than 12 months ago
Typical rent
$1,991 a month
1.6% more than 12 months ago

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

Sugar Hill 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 Sugar Hill apart

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

  1. Nearby, in Buford, the typical rent is $1,357: 27% less than in Sugar Hill ($1,862).

  2. 80% of households in Sugar Hill own their home, against 66% in Gwinnett County.

  3. The typical household income in Sugar Hill is $107,389, 22% more than in Gwinnett County as a whole ($87,890).

  4. Nearby, in Lawrenceville, the typical home value is $350,600: 15% less than in Sugar Hill ($413,400).

  5. Sugar Hill has the 16th highest typical rent of the 162 cities in Georgia with more than 5,000 people ($1,862).

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

The homes here

Housing in Sugar Hill

What homes there are in Sugar Hill, 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 Sugar Hill, 8 in 10 homes are single-family detached houses; in Gwinnett County, 7.

Year built

Homes in Sugar Hill are newer: the typical year built is 2003; in Gwinnett County, 1996.

There is more room for a big family here: 90% of homes have 3 bedrooms or more, against 76% in Gwinnett County.

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

$2,314 a month

Gwinnett County: $2,050 a month

Without a mortgage

$667 a month

Gwinnett County: $664 a month

Owners with a mortgage

73%

Gwinnett County: 70%

The typical cost for an owner with a mortgage in Sugar Hill is $2,314 a month, more than in Gwinnett County ($2,050); without one, $667.

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 Sugar Hill rose 78%; in Gwinnett County, it rose 75%.

Since 2015–2019, the typical rent in Sugar Hill rose 47%, more than in Gwinnett County (42%).

The typical household income in Sugar Hill rose 23%: less than home values (+78%) and rent (+47%).

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

MeasureSugar HillGwinnett 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 2.982.982.622.53
Drive alone 67%67%71%69%
Carpool 8%12%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 24%18%16%15%
Other means Unreliable estimate2%2%2%
Typical commute 30 to 39 minutes30 to 39 minutes20 to 29 minutes20 to 29 minutes

By size, households in Sugar Hill look like those in Gwinnett County: 2.98 people on average.

In Sugar Hill, 24% of workers work from home, more than in Gwinnett County (18%).

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 Sugar Hill?

A typical home costs more than the typical income allows

We start with a typical home in Sugar Hill, worth $413,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Sugar Hill, which is $107,389 a year. For that payment to be 28% of income, a household would need to earn about $147,388 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 Sugar Hill. 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 $14,469 (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

$3,439

at 7.18% · 30 years

Loan amount
$405,912
Total interest
$584,013
Paid off in
November 2056

Includes $6,981 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,506 a month

  • Tight

    $2,506 to $3,222 a month

  • Hard

    more than $3,222 a month

    Your payment · 38%

Compared with the typical household income in Sugar Hill ($107,389 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,439
Principal & interest$2,750
Property tax$334
Home insurance$172
FHA mortgage insurance (MIP)$183

You need at least $14,469 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

Sugar Hill and Gwinnett County

Sugar Hill 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).

Sugar Hill's own numbers

Typical home value
$413,400
Typical monthly rent
$1,862
Typical yearly household income
$107,389
Households that own their home
80%
Effective property tax rate
0.97%

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 Sugar Hill

A typical home in Sugar Hill is worth $413,400: 9% above the county and 36% above Georgia. With the typical household income in Sugar Hill ($107,389 a year), a typical home costs 3.8 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.

  • Sugar Hill 3.8 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

Sugar Hill 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
  • Sugar Hill $413,400
  • Gwinnett $380,900
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Sugar Hill $1,862
  • Gwinnett $1,810
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Sugar Hill $107,389
  • Gwinnett $87,890
  • Georgia $77,353
  • United States $80,734
See the full table
Sugar Hill next to Gwinnett County and Georgia
Measure Sugar Hill Gwinnett County Georgia U.S.
Typical home value $413,400 $380,900 $303,300 $332,700
Typical monthly rent $1,862 $1,810 $1,393 $1,413
Typical yearly household income $107,389 $87,890 $77,353 $80,734
Households that own their home 80% 66% 66% 65%
Typical yearly property tax $3,993 $3,617 $2,341 $3,119
Effective property tax rate 0.97% 0.95% 0.77% 0.94%
Renters with high rent for their income 56% 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 Sugar Hill

For a typical $413,400 home in Sugar Hill, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sugar Hill's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,439a month

    Least cash to close
    Down payment
    $14,469
    Cash to close
    $26,871
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $183

  • Conventional, 5% down $3,363a month

    Down payment
    $20,670
    Cash to close
    $33,072
    Rate
    7.18%
    Mortgage insurance
    PMI · $196

  • Conventional, 20% down, no PMI $2,747a month

    Down payment
    $82,680
    Cash to close
    $95,082
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,129a month

    Down payment
    $62,010
    Cash to close
    $74,412
    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 Sugar Hill and for Gwinnett County.

Property tax

Effective rate in Sugar Hill

0.97%of the home’s value each year

$3,993 a year for the typical owner in Sugar Hill.

  • Sugar Hill 0.97%
  • 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 Sugar Hill

Typical rent in Sugar Hill is $1,862 a month: 3% above the county. In Sugar Hill, 56% 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 Sugar Hill

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sugar Hill is in ZIP code 30518.

For 2 bedrooms it is $1,830: $68 more than the fair market rent for Gwinnett County ($1,762).

  • 30518 $1,830$2,190

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sugar Hill 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 Sugar Hill

HUD lists 2 buildings with rents for lower incomes in Sugar Hill. These are the largest.

  • Plantation Ridge 1022 Level Creek Rd, Sugar Hill 30518 218 homes, 130 low-income · 1 bd: 40 · 2 bd: 100 · 3 bd: 78 · In service since 1998
  • Rolling Acres 601 Hall Pl, Sugar Hill 30518 46 low-income homes · Run by Housing Authority of the City of Buford · Average payment: $606 a month · Average wait: 7 months · Homes at several sites (770) 945-5212

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

Free help

Help to buy or rent in Sugar Hill

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 listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Sugar Hill

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

The HUD-approved agencies closest to the center of Sugar Hill, 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 · 20 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 · 20 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 · 20 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 Sugar Hill

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 Sugar Hill

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

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Sugar Hill

Short answers with the numbers for Sugar Hill 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 Sugar Hill?

The typical home value in Sugar Hill is $413,400, 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 Sugar Hill?

Typical rent in Sugar Hill is $1,862 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 Sugar Hill?

Sugar Hill 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 Sugar Hill?

The typical homeowner in Sugar Hill pays $3,993 a year, according to the U.S. Census Bureau. That is 0.97% of the home’s value; in Gwinnett County, the rate is 0.95%.

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

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).