Market Overview
Home Prices in McCaysville, GA
The median home value in McCaysville, GA is $337,070 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.5% compared to a year ago and up 1.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in McCaysville are priced18% below average.
Over the past five years, McCaysville home values have risen by approximately20.7%, reflecting strong long-term appreciation in this market.
Price History
McCaysville Home Price Trend
2020
$221,772
$222K
—
2021
$279,294
$279K
+25.9%
2022
$322,156
$322K
+15.3%
2023
$302,215
$302K
-6.2%
2024
$328,028
$328K
+8.5%
2025
$332,059
$332K
+1.2%
2026
$337,070
$337K
+1.5%
City Comparison
McCaysville vs. National Median
🏠 McCaysville
$337,070
National Median
$410,000
At $337,070, homes in McCaysville cost 18% below the national median of $410,000. This makes McCaysville a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in McCaysville?
20% Down Payment
$67,414
on $337,070
Monthly P&I
$1,758/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,233/mo
incl. taxes & insurance
Income Needed
$89,320
gross annual (30% rule)
10% Down Option
$33,707
+ PMI applies
Loan Amount (20% dn)
$269,656
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in McCaysville, GA?
The median home value in McCaysville is $337,070 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.5% year-over-year.
How much have home prices changed in McCaysville?
Over the past year, home values in McCaysville have increased by 1.5%. Over five years, prices have risen approximately 20.7%.
How much do I need to earn to buy a home in McCaysville?
To comfortably afford the median home price of $337,070 with a 20% down payment ($67,414) at today's rates (6.8%), you'd need a gross annual income of approximately $89,320. This assumes keeping total housing costs at or below 30% of gross income.
How does McCaysville compare to the national average home price?
The national median home value is approximately $410,000. At $337,070, homes in McCaysville are 18% below the national average.