Market Overview
Home Prices in Toccoa, GA
The median home value in Toccoa, GA is $233,295 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.5% compared to a year ago and up 0.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Toccoa are priced43% below average. Toccoa is part of the Toccoa, GA metro area.
Over the past five years, Toccoa home values have risen by approximately38.4%, reflecting strong long-term appreciation in this market.
Price History
Toccoa Home Price Trend
City Comparison
Toccoa vs. National Median
At $233,295, homes in Toccoa cost 43% below the national median of $410,000. This makes Toccoa a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Toccoa?
20% Down Payment
$46,659
on $233,295
Monthly P&I
$1,217/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,546/mo
incl. taxes & insurance
Income Needed
$61,840
gross annual (30% rule)
10% Down Option
$23,330
+ PMI applies
Loan Amount (20% dn)
$186,636
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 Toccoa, GA?
The median home value in Toccoa is $233,295 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 Toccoa?
Over the past year, home values in Toccoa have increased by 1.5%. Over five years, prices have risen approximately 38.4%.
How much do I need to earn to buy a home in Toccoa?
To comfortably afford the median home price of $233,295 with a 20% down payment ($46,659) at today's rates (6.8%), you'd need a gross annual income of approximately $61,840. This assumes keeping total housing costs at or below 30% of gross income.
How does Toccoa compare to the national average home price?
The national median home value is approximately $410,000. At $233,295, homes in Toccoa are 43% below the national average.
What metro area is Toccoa part of?
Toccoa is part of the Toccoa, GA metropolitan area. Home prices and market conditions can vary across the broader metro region.