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City · 22,349 residents · Gwinnett County, Georgia

Suwanee , Georgia

In Suwanee, a typical home is worth $480,600 and typical rent is $1,885 a month. Compared with all of Gwinnett County, the typical home value is 26% higher, typical household income is 17% higher, and the share of households that own their home is 7 points lower.

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  • Typical home value

    $480,600

    26% above the county

    58% above Georgia

    • Suwanee
    • Gwinnett
    • Georgia

  • Typical rent

    $1,885a month

    4% above the county

    35% above Georgia

    • Suwanee
    • Gwinnett
    • Georgia

  • Typical household income

    $103,260a year

    17% above the county

    33% above Georgia

    • Suwanee
    • Gwinnett
    • Georgia

  • Households that own their home

    59%

    7 points below the county

    7 points below Georgia

    • Suwanee
    • Gwinnett
    • Georgia

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

Market now, with Zillow data

Zillow data
Typical home value
$589,037
2.6% less than 12 months ago
Typical rent
$1,952 a month
1.2% more than 12 months ago

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

Suwanee 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 Suwanee 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: 28% less than in Suwanee ($1,885).

  2. Nearby, in Lawrenceville, the typical home value is $350,600: 27% less than in Suwanee ($480,600).

  3. The typical home in Suwanee is worth $480,600, 26% more than in Gwinnett County as a whole ($380,900).

  4. Suwanee has the 11th highest typical rent of the 162 cities in Georgia with more than 5,000 people ($1,885).

  5. The typical household income in Suwanee is $103,260, 17% more than in Gwinnett County as a whole ($87,890).

  6. 59% of households in Suwanee own their home, against 66% in Gwinnett County.

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

The homes here

Housing in Suwanee

What homes there are in Suwanee, 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

The detached house is still the most common home in Suwanee, but it weighs less than in Gwinnett County: 52% against 71%.

Year built

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

There are fewer big homes in Suwanee than in Gwinnett County: 64% 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

$2,401 a month

Gwinnett County: $2,050 a month

Without a mortgage

$737 a month

Gwinnett County: $664 a month

Owners with a mortgage

72%

Gwinnett County: 70%

In Suwanee, 72% of owners have a mortgage, and their typical cost is $2,401 a month, against $2,050 in Gwinnett County. Without one it drops to $737.

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 Suwanee rose 56%; in Gwinnett County, it rose 75%.

The typical rent in Suwanee rose 27% 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

MeasureSuwaneeGwinnett 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 2.642.982.622.53
Drive alone 66%67%71%69%
Carpool 6%12%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 26%18%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.64 on average, against 2.98 in Gwinnett County.

Working from home is more common in Suwanee: 26%, against 18% in Gwinnett County.

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 Suwanee?

A typical home costs more than the typical income allows

We start with a typical home in Suwanee, worth $480,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 47% of the typical household income in Suwanee, which is $103,260 a year. For that payment to be 28% of income, a household would need to earn about $172,205 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 Suwanee. 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 $16,821 (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

$4,018

at 7.18% · 30 years

Loan amount
$471,895
Total interest
$678,946
Paid off in
November 2056

Includes $8,116 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,409 a month

  • Tight

    $2,409 to $3,098 a month

  • Hard

    more than $3,098 a month

    Your payment · 47%

Compared with the typical household income in Suwanee ($103,260 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,018
Principal & interest$3,197
Property tax$409
Home insurance$200
FHA mortgage insurance (MIP)$213

You need at least $16,821 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

Suwanee and Gwinnett County

Suwanee 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).

Suwanee's own numbers

Typical home value
$480,600
Typical monthly rent
$1,885
Typical yearly household income
$103,260
Households that own their home
59%
Effective property tax rate
1.02%

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 Suwanee

A typical home in Suwanee is worth $480,600: 26% above the county and 58% above Georgia. With the typical household income in Suwanee ($103,260 a year), a typical home costs 4.7 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.

  • Suwanee 4.7 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

Suwanee 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
  • Suwanee $480,600
  • Gwinnett $380,900
  • Georgia $303,300
  • United States $332,700
Typical monthly rent
  • Suwanee $1,885
  • Gwinnett $1,810
  • Georgia $1,393
  • United States $1,413
Typical yearly household income
  • Suwanee $103,260
  • Gwinnett $87,890
  • Georgia $77,353
  • United States $80,734
See the full table
Suwanee next to Gwinnett County and Georgia
Measure Suwanee Gwinnett County Georgia U.S.
Typical home value $480,600 $380,900 $303,300 $332,700
Typical monthly rent $1,885 $1,810 $1,393 $1,413
Typical yearly household income $103,260 $87,890 $77,353 $80,734
Households that own their home 59% 66% 66% 65%
Typical yearly property tax $4,900 $3,617 $2,341 $3,119
Effective property tax rate 1.02% 0.95% 0.77% 0.94%
Renters with high rent for their income 47% 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 Suwanee

For a typical $480,600 home in Suwanee, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Suwanee's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,018a month

    Least cash to close
    Down payment
    $16,821
    Cash to close
    $31,239
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $213

  • Conventional, 5% down $3,930a month

    Down payment
    $24,030
    Cash to close
    $38,448
    Rate
    7.18%
    Mortgage insurance
    PMI · $228

  • Conventional, 20% down, no PMI $3,213a month

    Down payment
    $96,120
    Cash to close
    $110,538
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,658a month

    Down payment
    $72,090
    Cash to close
    $86,508
    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 Suwanee and for Gwinnett County.

Property tax

Effective rate in Suwanee

1.02%of the home’s value each year

$4,900 a year for the typical owner in Suwanee.

  • Suwanee 1.02%
  • 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 Suwanee

Typical rent in Suwanee is $1,885 a month: 4% above the county. In Suwanee, 47% 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 Suwanee

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Suwanee is in ZIP code 30024.

For 2 bedrooms it is $2,110: $348 more than the fair market rent for Gwinnett County ($1,762).

  • 30024 $2,110$2,510

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

Free help

Help to buy or rent in Suwanee

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 smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Suwanee

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

The HUD-approved agencies closest to the center of Suwanee, 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 · 17 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 · 17 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 · 17 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 Suwanee

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 Suwanee

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

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Suwanee

Short answers with the numbers for Suwanee 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 Suwanee?

The typical home value in Suwanee is $480,600, 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 Suwanee?

Typical rent in Suwanee is $1,885 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 Suwanee?

Suwanee 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 Suwanee?

The typical homeowner in Suwanee pays $4,900 a year, according to the U.S. Census Bureau. That is 1.02% of the home’s value; in Gwinnett County, the rate is 0.95%.

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

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).