The Town FilesToccoa, Georgia
City in Stephens County · population 9,133 (2020 Census)
- Median home
- $178,100
- Household income
- $48,438
- Jan low / Jul high
- 33° / 89°
- Snow a year
- 1 in
- Tornadoes ≤10 mi since 1950
- 17
- Median age
- 39.5
Toccoa is a city of 9,133 people in Stephens County, Georgia. The median home is worth $178,100, below the typical Georgia town ($202,650). It ranks better for cycling than 94% of Georgia towns.
How Toccoa ranks
Percentile among Georgia towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of Georgia towns.
Homes and cost of living
The median home in Toccoa is worth $178,100, below the typical Georgia town ($202,650). Homes cost about 3.7 times the median household income of $48,438, which is more affordable than 39% of Georgia towns. Median rent is $711 a month. 57.8% of households own their home.
| Housing | Toccoa | Typical Georgia town |
|---|---|---|
| Median home value | $178,100 | $202,650 |
| Median rent | $711 | $1,000 |
| Median household income | $48,438 | $57,176 |
| Home value ÷ income | 3.7× | 3.4× |
| Homeownership | 57.8% | 60.5% |
| Median year built | 1973 | 1984 |
| Seasonal / vacation homes | 0.2% | — |
Who lives in Toccoa
| People | Toccoa | Typical Georgia town |
|---|---|---|
| Median age | 39.5 | 37.1 |
| Age 65 and over | 20.5% | 15.9% |
| Under 18 | 21.8% | — |
| Bachelor's degree or higher | 20.0% | 19.6% |
| Below the poverty line | 23.9% | 16.2% |
| Veterans | 7.9% | — |
| Born outside the U.S. | 4.0% | — |
| Work from home | 4.8% | 7.9% |
| Average commute | 27.1 min | 26.6 min |
| Homes with broadband | 88.0% | 88.0% |
Weather in Toccoa
July highs average 89.3°F and January lows 33.1°F. About 59.0 inches of rain and melted snow fall a year, with 1.4 inches of snow (typical Georgia town: 0.4 in). Expect about 46 days a year at 90°F or hotter and 51 nights at or below freezing.
Tornadoes, storms and disasters
17 tornadoes have passed within 10 miles of Toccoa since 1950, compared with 17 for the typical Georgia town. 5 rated (E)F2 or stronger. The strongest, an F2, struck on May 5, 1989 about 6.4 miles from the town center. The most recent was on April 13, 2020.
Hail of 1 inch or larger has been reported within 10 miles 38 times; the largest was 3.00 inches on April 28, 2002.
Severe weather in Stephens County since 1996
Stephens County has been included in 18 federal disaster or emergency declarations since 1953, most often for flood, drought, hurricane.
| Declared | Incident | Declaration |
|---|---|---|
| January 24, 2026 | Winter Storm | EM-3642: Severe Winter Storm |
| September 30, 2024 | Hurricane | DR-4830: Hurricane Helene |
| September 26, 2024 | Tropical Storm | EM-3616: Hurricane Helene |
| January 12, 2021 | Hurricane | DR-4579: Tropical Storm Zeta |
| March 29, 2020 | Biological | DR-4501: Covid-19 Pandemic |
Jobs and pay in Stephens County
Stephens County had 8,540 jobs in 2024, paying an average of $49,830 a year. Unemployment was 3.6% in 2023; in Toccoa itself the ACS puts it at 8.8%.
Public schools in Toccoa
6 public schools with 3,853 students, about 13.5 students per teacher.
| School | Grades | Students | Per teacher |
|---|---|---|---|
| Stephens County High School | 9-12 | 1,125 | 13.7 |
| Stephens County Middle School | 6-8 | 845 | 13.6 |
| Toccoa Elementary School | 2-4 | 603 | 12.8 |
| Liberty Elementary School | 1-2 | 557 | 13.6 |
| Big A Elementary School | PK-K | 450 | 14.1 |
| Stephens County Fifth Grade Academy | 5-5 | 273 | 12.4 |
Towns near Toccoa
- Cornelia, GA12.5 mi · 4,503 people · home $231,900
- Baldwin, GA13.6 mi · 3,629 people · home $167,300
- Raoul, GA17.8 mi · 2,803 people · home $127,500
- Walhalla, SC20.2 mi · 4,072 people · home $171,900
- Seneca, SC21.7 mi · 8,850 people · home $240,000
- Lula, GA22.9 mi · 2,822 people · home $239,400
- Royston, GA23.8 mi · 2,649 people · home $220,800
- Cleveland, GA24.7 mi · 3,514 people · home $334,000
Toccoa questions
Is Toccoa, Georgia a good place to retire?
On The Town Files lifestyle rankings, Toccoa scores better for retirees than 38% of Georgia towns and quieter than 43%. 20.5% of residents are 65 or older (median age 39.5).
How much does a house cost in Toccoa?
The median owner-occupied home in Toccoa is valued at $178,100 (Census ACS 2020–2024), against a median household income of $48,438, so homes cost about 3.7 times income. Median rent is $711 a month.
What is the weather like in Toccoa?
July highs average 89.3°F and January lows 33.1°F (NOAA 1991–2020 normals). It gets about 59.0 inches of precipitation a year and 1.4 inches of snow.
Does Toccoa get tornadoes?
17 tornadoes have passed within 10 miles of Toccoa since 1950 (NOAA Storm Events); the strongest was a F2 on May 5, 1989. The typical Georgia town has had 17.
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)