Mortgage Rates in Dacula, Georgia — March 2026
Updated March 2026 | Based on Dacula market data and regional lending conditions
Dacula is a growing city in Georgia with a population of 5,750. The current 30-year fixed mortgage rate in Dacula is 6.75%, which is 0.1% above the national average. With a median home price of $216,000 and a 20% down payment of $43,200, homebuyers can expect a monthly principal and interest payment of approximately $1,121.
Current Mortgage Rates in Dacula, GA
Below are the current average mortgage rates available in the Dacula area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.75% | 6.65% | +0.1% |
| 15-Year Fixed | 5.99% | 5.89% | +0.1% |
| 5/1 ARM | 6.25% | 6.15% | +0.1% |
| FHA | 6.5% | 6.25% | +0.25% |
| VA | 6.25% | 6.05% | +0.2% |
| Jumbo | 7% | 6.85% | +0.15% |
Dacula Housing Market Overview
The Dacula housing market offers relatively affordable housing compared to many major cities. The median household income in Dacula is $49,500, and the cost of living index is 89.7 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $54,771 to comfortably afford the median-priced home in Dacula, which exceeds the current median household income.
Monthly Payment Breakdown for Dacula
Based on the median home price of $216,000 with 20% down ($43,200), here is what you can expect to pay monthly in Dacula:
15-Year vs. 30-Year Mortgage in Dacula
Choosing a 15-year mortgage in Dacula at 5.99% instead of a 30-year at 6.75% would save you $141,300 in total interest over the life of the loan. However, your monthly payment would be $1,457 instead of $1,121 — an increase of $336 per month.
Calculate Your Dacula Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Dacula
What are the current mortgage rates in Dacula, GA?
As of March 2026, the average 30-year fixed mortgage rate in Dacula, Georgia is 6.75%, while the 15-year fixed rate is 5.99%. FHA loans average 6.5% and VA loans 6.25%. These rates are 0.1% above the national average of 6.65%.
How much is a monthly mortgage payment in Dacula?
Based on the median home price of $216,000 with 20% down, the estimated monthly mortgage payment in Dacula is $1,121 for principal and interest. Including property taxes of $157/month, the total monthly housing cost is approximately $1,278.
What income do I need to buy a home in Dacula?
Using the 28% rule, you would need an annual income of approximately $54,771 to afford the median-priced home in Dacula at $216,000. The median household income in Dacula is $49,500. This means most households would need to either earn above the median or consider homes below $216,000.
Is Dacula a good place to buy a home in 2026?
Dacula offers a below-average cost of living with a cost of living index of 89.7 (national average = 100). The property tax rate in Georgia is 0.87%, which is near the national average. Dacula has a population of 5,750 and offers a very affordable lifestyle.
Mortgage Rates in Other Georgia Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Dacula, Georgia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.