Toccoa, GA—30577
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Toccoa, GA
As of Oct '25, the median home price in Toccoa, GA is $226,000, with a year-over-year change of -1.1%. This indicates that home prices in Toccoa, GA are decreasing. According to Zillow, the 1-year price projection is 4.0%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $226,000 | -1.2% |
| Single Family | $225,000 | -1.3% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $169,000 | 1.8% |
2 Bed | $160,000 | -3.0% |
3 Bed | $239,000 | 0.0% |
4 Bed | $351,000 | 1.4% |
| 5 Bed | $467,000 | 2.2% |
% of Housing Stock
Rental Trends — Toccoa, GA
As of July '25, Rentcast reports the average rent in Toccoa, GA is $1,330, with a year-over-year rent change of 10.8%. Per bedroom, the median rent as of July '25 in Toccoa, GA is 1-bedrooms: $858, 2-bedrooms: $1,360, 3-bedrooms: $1,550, 4-bedrooms: $1,800. The most common rental property sizes in Toccoa, GA are 2-bedroom and 3-bedroom, accounting for 41.8% and 31.2% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,250 | $1,330 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $850 | $858 |
| 2 Bed Rent | $1,200 | $1,360 |
| 3 Bed Rent | $1,500 | $1,550 |
| 4 Bed Rent | $1,800 | $1,800 |
% of Rental Stock
Property Listings — Toccoa, GA
As of Oct '25, Realtor.com reports that the median days on market for a home in Toccoa, GA is 68. This is a increase of 51.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 28.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $312,000 | 17.0% |
Listing Count | 108 | 3.0% |
| Listings as % of Homes | 0.7% | 3.0% |
Days on Market | 68 | 51.0% |
Demographics — Toccoa, GA
As of the latest ACS Survey released in 2023, Toccoa, GA has a population of 22,700, which has increased by 7.0% over the past 5 years. Toccoa, GA is a moderately popular place for families, as children make up 22.8% of the population. The area has a poorly educated workforce, with 16.1% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.1% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 22,700 | 7.0% |
% Under 18 | 22.8% | 0.9% |
% Seniors | 21.6% | 22.0% |
% WFH | 6.1% | 29.8% |
% w/ College Degree | 16.1% | -29.4% |
As of the latest ACS Survey released in 2023, Toccoa, GA is a predominantly white area, with 79.0% of the population identifying as white. The white population has shrunk by 1.5% in the last 5 years. The second most common race or ethnicity in Toccoa, GA is black, making up 11.7% of the population. Foreign-born residents account for 3.8% of the population in Toccoa, GA, and this percentage has increased by 52.0% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 79.0% | -1.5% |
% Black | 11.7% | -4.1% |
% Hispanic | 4.3% | 22.9% |
% Asian | 1.2% | 100.0% |
% Foreign Born | 3.8% | 52.0% |
Mortgage and Risk — Toccoa, GA
According to HUD data as of 2023, there were 331 mortgage originations in Toccoa, GA, of which 57.0% of loans were conventional mortgages. The average loan-to-value was 75.0%, with 40.0% above 90% LTV (very high). This implies large mortgage risk in Toccoa, GA. Investor activity is low, as 4.0% of loans were by investors. 15.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 331 |
% Conventional Loans | 57.0% |
% Government Loans | 43.0% |
% Investor Loans | 4.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 15.0% |
Loan Activity
Rentals and Section 8 — Toccoa, GA
Toccoa, GA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 488 |
Total Units Section 8 | 488 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 93.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$120 | $850 | $730 |
| 2 Bedroom | -$250 | $1,200 | $950 |
| 3 Bedroom | -$320 | $1,500 | $1,180 |
| 4 Bedroom | -$250 | $1,800 | $1,550 |
Affordability — Toccoa, GA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4 |
| Median Home Price | $226,000 |
| Median Household Income | $50,100 |