Mortgage Rates in Sugar Hill, Georgia — March 2026
Updated March 2026 | Based on Sugar Hill market data and regional lending conditions
Sugar Hill is a growing city in Georgia with a population of 24,270. The current 30-year fixed mortgage rate in Sugar Hill is 6.89%, which is 0.24% above the national average. With a median home price of $232,000 and a 20% down payment of $46,400, homebuyers can expect a monthly principal and interest payment of approximately $1,221.
Current Mortgage Rates in Sugar Hill, GA
Below are the current average mortgage rates available in the Sugar Hill 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 | 6.89% | 6.65% | +0.24% |
| 15-Year Fixed | 6.1% | 5.89% | +0.21% |
| 5/1 ARM | 6.33% | 6.15% | +0.18% |
| FHA | 6.57% | 6.25% | +0.32% |
| VA | 6.32% | 6.05% | +0.27% |
| Jumbo | 7.14% | 6.85% | +0.29% |
Sugar Hill Housing Market Overview
The Sugar Hill housing market offers relatively affordable housing compared to many major cities. The median household income in Sugar Hill is $49,500, and the cost of living index is 83 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $60,043 to comfortably afford the median-priced home in Sugar Hill, which exceeds the current median household income.
Monthly Payment Breakdown for Sugar Hill
Based on the median home price of $232,000 with 20% down ($46,400), here is what you can expect to pay monthly in Sugar Hill:
15-Year vs. 30-Year Mortgage in Sugar Hill
Choosing a 15-year mortgage in Sugar Hill at 6.1% instead of a 30-year at 6.89% would save you $155,880 in total interest over the life of the loan. However, your monthly payment would be $1,576 instead of $1,221 — an increase of $355 per month.
Calculate Your Sugar Hill Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Sugar Hill
What are the current mortgage rates in Sugar Hill, GA?
As of March 2026, the average 30-year fixed mortgage rate in Sugar Hill, Georgia is 6.89%, while the 15-year fixed rate is 6.1%. FHA loans average 6.57% and VA loans 6.32%. These rates are 0.24% above the national average of 6.65%.
How much is a monthly mortgage payment in Sugar Hill?
Based on the median home price of $232,000 with 20% down, the estimated monthly mortgage payment in Sugar Hill is $1,221 for principal and interest. Including property taxes of $180/month, the total monthly housing cost is approximately $1,401.
What income do I need to buy a home in Sugar Hill?
Using the 28% rule, you would need an annual income of approximately $60,043 to afford the median-priced home in Sugar Hill at $232,000. The median household income in Sugar Hill is $49,500. This means most households would need to either earn above the median or consider homes below $232,000.
Is Sugar Hill a good place to buy a home in 2026?
Sugar Hill offers a below-average cost of living with a cost of living index of 83 (national average = 100). The property tax rate in Georgia is 0.93%, which is near the national average. Sugar Hill has a population of 24,270 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 Sugar Hill, Georgia area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.