Toccoa, GA home prices
Typical home $236,099 · +2.5% in a year · income needed $66,400
The Toccoa, GA metro area ranks 500 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +2.5% in a year and +35.2% over five years. With 20% down at 7.11%, the typical home costs about $1,548 a month including 0.81% property tax (Stephens County rate).
Mortgage on the typical Toccoa home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $47,220 | $188,879 | $1,271 | $0 | $278 | $1,548 | $66,400 |
| 10% down | $23,610 | $212,489 | $1,429 | $89 | $278 | $1,796 | $77,000 |
| 5% down | $11,805 | $224,294 | $1,509 | $93 | $278 | $1,880 | $80,600 |
| 3.5% down (FHA) | $8,263 | $231,823 | $1,559 | $104 | $278 | $1,942 | $83,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.81% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Toccoa area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Stephens County, GA | $236,115 | +2.5% | 0.81% |
What can you afford in Georgia on your salary? · Georgia home prices · Salaries in Georgia
Frequently asked questions
How much is a house in Toccoa?
The typical home in the Toccoa, GA metro area is worth $236,099 (Zillow, September 2026).
What salary do you need to buy a house in Toccoa?
About $66,400 a year for the typical home with 20% down at 7.11%.