| Metric | Latest | Detail |
|---|---|---|
| Median listing price | $343,650 | +5.8% YoY |
| Median price per sq ft | $185 | 1,875 sq ft median |
| Median days on market | 89 | +16% YoY |
| Active listings | 177 | +44% YoY |
| New listings this month | 48 | September 2026 |
| Listings with a price cut | 17% | Share of active |
| Median sale price (closed) | $290,000 | +9.8% YoY · closed sales, July 2026 |
| Sale-to-list ratio | 96.9% | Closed sales, July 2026, seasonally adjusted |
| Pending-to-active ratio | 25.8% | 46 pending |
| Inventory vs 2019 | 145% | Active listings vs same month in 2019 |
Metropolitan market · Georgia · September 2026 data
What is the Toccoa, GA real estate market doing?
As of September 2026, the median home listed in Toccoa, GA asks $343,650, up 5.8% year over year. Homes spend a median of 89 days on market, with 177 active listings and 17% carrying a price cut; pending contracts equal 26% of active listings, and inventory sits at 145% of the same month in 2019 — a buyer's market. Figures come from public records and industry data, updated monthly.
Median listing price
$343,650
▲ 5.8% YoY
Median $ / sq ft
$185
1,875 sq ft median
Median days on market
89
September 2026
Active listings
177
For sale now
New listings
48
September 2026
Listings with price cuts
17%
Share of active
Inventory vs 2019
145%
Same month, 2019 = 100
Pending / active
26%
Contract activity
Median sale price (closed)
$290,000
▲ 9.8% YoY · closed sales · July 2026
Sale-to-list ratio
96.9%
Closed sales · July 2026, seasonally adjusted
Homes sold / month
33
Closed sales · July 2026, seasonally adjusted
What is the Toccoa, GA housing market doing right now?
The Toccoa, GA housing market lists at a $343,650 median as of September 2026, up 5.8% year over year, with an 89-day median market time and 177 homes for sale (17% with a price cut). Active inventory is 145% of the 2019 level, reading as a buyer's market under WealthyBud's published buyer/seller rule.
Toccoa housing market statistics
The table summarizes Toccoa's key housing figures for September 2026 — median listing and closed-sale prices, market pace, inventory and rental yield — each computed from public records and industry data. Closed-sale figures are Redfin's July 2026 data, the latest settled month Redfin reports for Toccoa.
How have home prices changed in Toccoa?
Toccoa home prices are up 5.8% year over year and +1.8% month over month as of September 2026, at a $343,650 median listing price. The chart tracks the trailing eight-quarter trend in the metro's median asking price.
Median listing price, Toccoa GA · trailing 8 quarters · source: public records and industry data.
The 10-year view
10-year median listing price, Toccoa GA · June of each year, 2017–2026 · source: public records and industry data.
How much inventory is on the market in Toccoa?
Toccoa has 177 active listings, 48 new this month, 46 pending as of September 2026. About 17% of active listings have cut their price, and inventory sits at 145% of its 2019 level — a buyer's market by pace.
Is Toccoa a good real estate investment?
Toccoa scores 25/100 on WealthyBud's composite Investor Score, ranking #882 of 933 covered U.S. metros as of September 2026. The score blends price momentum, value, rental yield, supply and market heat into one percentile. It is a research opinion, not advice.
Investor Score
25/100
#882 of 933 covered metros
Toccoa scores 25/100 on our composite Investor Score (#882 of 933 covered metros), a percentile blend of momentum, value, rental yield, supply and market-heat readings; active inventory sits at 145% of its June 2019 level, so supply is fully rebuilt past pre-pandemic norms; listing prices are up 5.8% year over year; all against a national 30-year fixed mortgage rate of 7.28% (national weekly average, 2026-10-01).
Scores are percentile ranks (0–100) across all covered U.S. metros, computed from the public data cited on this page — formulas here. They are data-derived opinions, not investment advice. See how Toccoa ranks on the trending markets index.
How much is a monthly mortgage payment in Toccoa?
A home at Toccoa's $343,650 median listing runs about $1,881 a month in principal and interest — 20% down on a 30-year fixed loan at the current 7.28% national average rate. Taxes, insurance and HOA are extra.
If rates fall 1% · 6.28%
$1,698/mo
−$183/mo vs today
At today's rate · 7.28%
$1,881/mo
National weekly average
If rates rise 1% · 8.28%
$2,071/mo
+$190/mo vs today
Principal & interest on the $343,650 median listing with 20% down and a 30-year fixed loan — excludes taxes, insurance and HOA. Current rate: 7.28% (national weekly average, 2026-10-01). Model a full deal in the deal analyzer.
How much income do you need to buy a home in Toccoa?
To buy Toccoa’s $343,650 median listing with 20% down, a household needs about $91,000 a year in gross income, keeping principal, interest and property tax ($2,119/mo) at 28% of income. That is 1.7× the area’s $52,264 median household income, so a typical Toccoa household cannot afford the median listing on these terms.
| Item | Amount | Basis |
|---|---|---|
| Median listing price | $343,650 | September 2026 |
| Down payment (20%) | $68,730 | Assumption |
| Principal & interest (7.28%, 30-yr fixed) | $1,881/mo | Rate as of 2026-10-01 |
| Property tax (0.83% effective rate) | $238/mo | Census ACS |
| Income needed (28% rule) | $91,000 | Gross household income / yr |
| Median household income | $52,264 | Census ACS 2023 ACS 5-year |
Excludes homeowners insurance, HOA dues and mortgage insurance, so the true income needed is higher. Compare every market in the income-needed ranking and the price-to-income ranking.
What is driving the Toccoa housing market?
Longer-run demand in Toccoa shows up in 35 homes permitted in 2025; net migration of +408 residents. Natural-hazard risk rates Very Low. These federal supply-pipeline, migration and jobs signals shape where prices head next.
Building permits (2025)
35
▼ 32.7% vs 2024
1.3 per 1,000 residents
Net migration (2022–2023)
+408
▲ people, via tax-return records
net income flow +$18.7M/yr
Natural-hazard risk
Very Low
National hazard index · top hazard: Riverine flooding
Based on public government records — building-permit, tax-return migration, employment and natural-hazard statistics, aggregated to the metro. Details on /methodology.
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ReadToccoa housing market FAQ
What is the median home price in Toccoa?
As of September 2026, the median listing price in Toccoa, GA is $343,650, up 5.8% year over year (source: public records and industry data). Figures cover the Toccoa, GA metro area.
How much does it cost to buy a home in Toccoa?
The median home listed in Toccoa asks $343,650 as of September 2026. With 20% down on a 30-year fixed loan at the current 7.28% national average rate, that runs about $1,881 a month in principal and interest, before taxes, insurance and HOA.
How fast are homes selling in Toccoa?
The median property in Toccoa spends 89 days on the market, with 177 homes actively listed and 17% of them carrying a price cut — a buyer's market as of September 2026.
Is it a buyer's or seller's market in Toccoa?
With a median 89 days on market and 17% of active listings carrying a price cut, pending contracts at 26% of active listings, Toccoa reads as a buyer's market as of September 2026. Labels use WealthyBud's published DOM / sale-to-list / price-cut / pending rule. Conditions shift monthly.
Is Toccoa a good place to invest in real estate?
Toccoa scores 25/100 on WealthyBud's Investor Score, ranking #882 of 933 covered U.S. metros as of September 2026. The score blends price momentum, value, rental yield, supply and market heat. It is a data-derived research opinion, not investment advice.
Who are the top real estate agents in Toccoa?
See WealthyBud directories for the top-producing agents, teams and brokerages serving Toccoa and the wider Georgia market, ranked by recent sales from public profile data.
Based on public records and industry data, September 2026 — see our methodology for how every figure is computed. Figures cover the Toccoa, GA metro area. Figures change monthly — verify current conditions with a local agent or MLS. Portions of market data courtesy of Realtor.com and Redfin; additional statistics from U.S. government sources.
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