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Live FMLS IDX inventory

Toccoa, GA Homes for Sale

Homes, townhouses and condos for sale in Toccoa (Stephens County) from current FMLS IDX inventory, with live list-price medians, price per square foot, days listed and links into every neighborhood and high school zone with listings.

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Toccoa, GA market at a glance

Median list price
$344,900
n=41
Median list price per SF
$190
n=41 · 1,616 SF typical
Median days listed
89
n=41
New in the last 30 days
7
1 in the last 7

Median list price is 1% below Stephens County (47 homes, median $349,900).

FMLS IDXLive FMLS IDX data as of Oct 27, 2026, 6:01 AM ET. Figures are list prices from current FMLS IDX inventory (Active, Active Under Contract and Pending), not sales prices or appraisals. Information deemed reliable but not guaranteed.

Find an area

Find homes in Toccoa

The areas with the most homes for sale right now, by current listing count. Search to jump to any other.

Top neighborhoods

  1. Fernwood HillsToccoa5 homes · $365K
  2. Belmont PlaceToccoa3 homes · $336K
  3. Currahee ClubToccoa2 homes · $1.01M

Top high school zones

As reported in each listing. Verify with the school district.

  1. Stephens County HighStephens County38 homes · $341K
  2. Stephens - Other HighStephens County2 homes · $687K

Other Stephens County cities

  1. Martin5 homes · $597K
  2. Eastanollee2 homes · $300K

Just listed

Newest homes for sale in Toccoa, GA

Sorted by listing date. Showing 1 to 24 of 41.

FMLS IDXLive FMLS IDX data as of Oct 27, 2026, 6:01 AM ET. Figures are list prices from current FMLS IDX inventory (Active, Active Under Contract and Pending), not sales prices or appraisals. Information deemed reliable but not guaranteed.

Payment estimate

Payment on a median-priced home in Toccoa, GA

Prefilled with the median list price of $344,900 and this week's average rate. Change anything to see your number.

Loan type
Estimated monthly payment

$2,645/mo

Principal and interest
$2,132
Property tax
$259
Home insurance
$125
Mortgage insurance
$129
Loan amount
$310,410
Cash down
$34,490

This is an estimate only. Not a lender, not a loan offer and not a rate quote. Rates: Freddie Mac PMMS weekly average for 2026-10-22: 30-yr 7.32%, 15-yr 6.68%. Tax uses about 0.9% of price per year; insurance assumes $1,500 a year. Conventional adds 0.5% a year mortgage insurance under 20% down; FHA uses 3.5% minimum down, a 1.75% upfront premium financed and 0.55% a year MIP; VA adds a 2.15% funding fee financed under 5% down and no monthly MI. Talk to a licensed lender for a real quote.

Inside the numbers

What is for sale in Toccoa, GA

Home types

  • Single-family homes40 98%median $344,900, $191/SF
  • Townhouses1 2%

Bedrooms

  • 1-2 bd4 10%
  • 3 bd25 61%
  • 4 bd11 27%
  • 5+ bd1 2%

List price

  • Under $300K17 41%
  • $300K to $500K18 44%
  • $500K to $750K2 5%
  • $750K to $1M3 7%
  • $1M and up1 2%

Status

  • Active38 93%
  • Active Under Contract1 2%
  • Pending2 5%

Ask Jeff

Questions about homes in Toccoa, GA?

Send a note with your price range, timing and must-haves. Jeff will reply by email.

From the live numbers

Toccoa, GA home market FAQ

How many homes are for sale in Toccoa, GA right now?

41 residential listings in Toccoa, GA are in current FMLS IDX inventory as of Oct 27, 2026, 6:01 AM ET: 38 Active, 1 Active Under Contract, 2 Pending. 7 were listed in the last 30 days.

What is the median list price for a home in Toccoa, GA?

The median list price is $344,900 across 41 priced listings. That is 1% below the Stephens County median of $349,900. These are asking prices, not closed sales or appraisals.

What is the median list price per square foot in Toccoa, GA?

$190 per square foot (median of 41 listings with reported square footage), with a median home size of 1,616 square feet.

What kinds of homes are for sale in Toccoa, GA?

Single-family homes: 40 (98%), median $344,900; Townhouses: 1 (2%).

How long have homes in Toccoa, GA been on the market?

The median listing has been on the market 89 days, measured from the listing contract date across 41 listings.

Which neighborhoods in Toccoa, GA have the most homes for sale?

Fernwood Hills (5, median $365,000), Belmont Place (3, median $336,400), Currahee Club (2, median $1,014,500).

What is the estimated monthly payment on a median-priced home in Toccoa, GA?

About $2,645 per month at $344,900 with 10% down on a 30-year conventional loan at 7.32% (Freddie Mac PMMS), including estimated property tax (about 0.9% a year), $1,500 a year for insurance and mortgage insurance. Estimate only, not a lender. Use the calculator on this page to change the inputs.

Figures are list prices from current FMLS IDX inventory (Active, Active Under Contract and Pending), not sales prices or appraisals.

Beyond homes

Also exploring Georgia investment real estate?

Jeff Crowe is a local, full-service agent with CENTURY 21 The Avenues who also works with buyers and sellers of apartment buildings, churches, commercial property and land across Georgia. The pages below are other property types and investor research, separate from the homes listed on this page.

Other property types for sale

Investor research and tools

Thinking about a rental or a building instead? Send Jeff a message.

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