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Toccoa, GA
Full City Profile · Georgia · Stephens County County
2.9
/5.0
C+
Fair
9,173
Population
979/sq mi density
$48,706
Median Income
$25,961 per capita
$155,200
Home Value
$226,973 Zillow
$776
Median Rent
28.3% income on rent
62°F
Avg Temperature
301 sunny days/yr
503
Violent Crime/100K
5,476 property/100K
C+
Overall
2.9 / 5.0
Fair overall score based on economy, affordability, safety and education
B
Economy
3.2 / 5.0
$48,706 median income, 4.7% unemployment
A+
Affordability
4.9 / 5.0
$155,200 home value, $776/mo rent
F
Safety
1.0 / 5.0
503 violent crimes/100K (32% above avg)
C
Education
2.5 / 5.0
18.3% bachelor's degree or higher
Cost Overview
Cost of Living Index
96.3
Below national average
100 = US average
Median Monthly Rent
$776
33% below US avg
Avg Annual Property Tax
$4,450
27% above US avg ($3,500)
Fair Market Rents (HUD FY2026)
Studio
$979
per month
1 Bedroom
$1,023
per month
2 Bedroom
$1,203
per month
3 Bedroom
$1,524
per month
4 Bedroom
$1,775
per month
Childcare Costs
Infant (Center)
$470/mo
$5,640/year
Toddler (Center)
$442/mo
$5,304/year
Preschool (Center)
$442/mo
$5,304/year
Infant (Family)
$446/mo
$5,352/year
Toddler (Family)
$420/mo
$5,040/year
Preschool (Family)
$420/mo
$5,040/year
Healthcare 40 services
| Doctor Visit (Primary Care) | $240.75 |
| Specialist Visit | $337.05 |
| Urgent Care Visit | $192.60 |
| Emergency Room Visit | $2,118.60 |
| Dental Cleaning | $125.19 |
| Dental Filling | $240.75 |
| Root Canal | $963.00 |
| Dental Crown | $1,155.60 |
| Tooth Extraction | $240.75 |
| Wisdom Teeth Removal | $1,444.50 |
| Teeth Whitening | $481.50 |
| Dental Implant | $3,852.00 |
| Eye Exam | $192.60 |
| Glasses (Prescription) | $337.05 |
| Contact Lenses (Annual) | $240.75 annual |
| LASIK (Per Eye) | $2,407.50 per eye |
| X-Ray | $240.75 |
| MRI | $1,444.50 |
| CT Scan | $1,155.60 |
| Ultrasound | $385.20 |
| Blood Test (Basic Panel) | $144.45 |
| Physical Therapy (Session) | $144.45 per session |
| Chiropractor Visit | $72.23 |
| Dermatologist Visit | $240.75 |
| Mental Health Therapy | $168.53 per session |
| Psychiatrist Visit | $288.90 |
| Colonoscopy | $2,407.50 |
| Mammogram | $288.90 |
| Knee Replacement | $33,705.00 |
| Hip Replacement | $30,816.00 |
| Cataract Surgery (Per Eye) | $3,370.50 per eye |
| ACL Surgery | $24,075.00 |
| Appendectomy | $14,445.00 |
| C-Section Delivery | $21,186.00 |
| Normal Childbirth | $12,519.00 |
| Flu Shot | $38.52 |
| COVID Test | $96.30 |
| Prescription (Generic, 30-day) | $14.45 per month |
| Prescription (Brand, 30-day) | $240.75 per month |
| Ambulance Ride | $1,155.60 |
Auto Repair 18 services
| Oil Change (Conventional) | $43.34 |
| Oil Change (Synthetic) | $72.23 |
| Brake Pad Replacement | $288.90 |
| Tire Rotation | $38.52 |
| New Tires (Set of 4) | $577.80 set of 4 |
| Battery Replacement | $192.60 |
| Transmission Repair | $2,889.00 |
| AC Repair | $481.50 |
| Windshield Replacement | $337.05 |
| Wheel Alignment | $96.30 |
| Spark Plug Replacement | $192.60 |
| Alternator Replacement | $481.50 |
| Timing Belt Replacement | $674.10 |
| Car Detailing (Full) | $192.60 |
| Towing (Per Mile) | $4.82 per mile |
| State Inspection | $28.89 |
| Emissions Test | $48.15 |
| Check Engine Diagnostic | $96.30 |
Home Services 25 services
| Plumber (Per Hour) | $96.30 per hour |
| Electrician (Per Hour) | $86.67 per hour |
| HVAC Repair | $385.20 |
| HVAC System Install | $6,741.00 |
| Roof Repair | $963.00 |
| Roof Replacement | $8,667.00 |
| Interior Painting (Avg Home) | $2,407.50 |
| Exterior Painting (Avg Home) | $3,370.50 |
| Pest Control (One-Time) | $192.60 |
| Pest Control (Annual Plan) | $481.50 annual |
| Carpet Cleaning (3 Rooms) | $168.53 |
| Lawn Mowing (Per Visit) | $48.15 per visit |
| Lawn Care (Monthly) | $144.45 monthly |
| Tree Removal | $770.40 |
| Gutter Cleaning | $192.60 |
| Pressure Washing (House) | $288.90 |
| Foundation Repair | $4,815.00 |
| Kitchen Remodel (Mid-Range) | $28,890.00 |
| Bathroom Remodel (Mid-Range) | $11,556.00 |
| Flooring Install | $7.70 per sq ft |
| Window Replacement | $625.95 per window |
| Fence Install (Wood) | $28.89 per ft |
| Garage Door Replacement | $1,155.60 |
| Water Heater Replacement | $1,444.50 |
| Septic Tank Pumping | $385.20 |
Legal 12 services
| Divorce (Uncontested) | $1,444.50 |
| Divorce (Contested) | $14,445.00 |
| DUI Defense | $4,815.00 |
| Bankruptcy (Chapter 7) | $1,444.50 |
| Will Preparation | $481.50 |
| Trust Preparation | $2,407.50 |
| Real Estate Closing | $1,926.00 |
| Traffic Ticket Defense | $288.90 |
| LLC Formation | $481.50 |
| Immigration Consultation | $288.90 |
| Criminal Defense (Misdemeanor) | $2,889.00 |
| Personal Injury (Contingency) | $31.78 % of settlement |
Personal Care 12 services
| Men's Haircut | $24.08 |
| Women's Haircut | $52.97 |
| Hair Coloring (Full) | $144.45 |
| Manicure | $24.08 |
| Pedicure | $38.52 |
| Massage (1 Hour) | $77.04 per session |
| Facial Treatment | $96.30 |
| Gym Membership | $48.15 monthly |
| Personal Trainer (Session) | $67.41 per session |
| Dry Cleaning (Suit) | $14.45 |
| Laundromat (Per Load) | $3.85 per load |
| Spa Day Package | $240.75 |
Food & Grocery 20 services
| Gallon of Milk | $3.95 per gallon |
| Dozen Eggs | $3.37 per dozen |
| Loaf of Bread | $3.66 |
| Chicken Breast | $4.33 per lb |
| Ground Beef | $5.30 per lb |
| Rice | $0.96 per lb |
| Bananas | $0.63 per lb |
| Apples | $1.73 per lb |
| Coffee | $7.22 per lb |
| Gasoline | $3.37 per gallon |
| Fast Food Meal | $9.63 |
| Restaurant Meal (Casual) | $17.33 |
| Restaurant Meal (Fine Dining) | $57.78 |
| Pizza Delivery (Large) | $17.33 |
| Coffee (Cafe Latte) | $5.30 |
| Beer (6-Pack Domestic) | $9.63 |
| Wine (750ml, Mid-Range) | $14.45 |
| Cigarettes (Pack) | $8.19 per pack |
| Baby Formula (Can) | $24.08 |
| Dog Food (Monthly) | $48.15 monthly |
Utilities 8 services
| Electricity (Monthly) | $134.82 monthly |
| Natural Gas (Monthly) | $67.41 monthly |
| Water/Sewer (Monthly) | $67.41 monthly |
| Internet (Monthly) | $67.41 monthly |
| Cell Phone Plan (Monthly) | $62.60 monthly |
| Cable TV (Monthly) | $81.86 monthly |
| Trash Collection (Monthly) | $33.71 monthly |
| Home Insurance (Annual) | $1,926.00 annual |
Transportation 8 services
| Monthly Parking (Downtown) | $192.60 monthly |
| Car Insurance (Annual) | $1,926.00 annual |
| Bus Pass (Monthly) | $67.41 monthly |
| Taxi/Uber (5-Mile Ride) | $14.45 |
| Car Registration (Annual) | $96.30 annual |
| Driver's License Renewal | $28.89 |
| Tolls (Monthly Commuter) | $48.15 monthly |
| Vehicle Property Tax (Annual) | $385.20 annual |
Education & Childcare 8 services
| Daycare (Infant, Monthly) | $1,155.60 monthly |
| Daycare (Toddler, Monthly) | $963.00 monthly |
| After-School Care (Monthly) | $385.20 monthly |
| Tutoring (Per Hour) | $48.15 per hour |
| SAT/ACT Prep Course | $963.00 |
| Private School (K-12, Annual) | $12,037.50 annual |
| Community College (Annual) | $3,852.00 annual |
| State University (Annual) | $9,630.00 annual |
Pets 9 services
| Vet Visit (Routine Checkup) | $57.78 |
| Dog Vaccination (Annual) | $96.30 annual |
| Dog Grooming | $57.78 |
| Pet Boarding (Per Night) | $38.52 per night |
| Dog Spay/Neuter | $288.90 |
| Cat Spay/Neuter | $192.60 |
| Pet Emergency Visit | $770.40 |
| Dental Cleaning (Dog) | $385.20 |
| Microchipping | $48.15 |
Complete Cost Data
Housing Costs
| Cost of Living Index | 96.3 |
| Median Rent | $776 |
| Rent Burden | 28.3% |
| Property Tax (IRS) | $4,450 |
| FMR Studio | $979 |
| FMR 1-Bedroom | $1,023 |
| FMR 2-Bedroom | $1,203 |
| FMR 3-Bedroom | $1,524 |
| FMR 4-Bedroom | $1,775 |
Childcare (Monthly)
| Infant (Center) | $470 |
| Toddler (Center) | $442 |
| Preschool (Center) | $442 |
| Infant (Family) | $446 |
| Toddler (Family) | $420 |
| Preschool (Family) | $420 |
Income Context
| Median Income | $48,706 |
| Per Capita Income | $25,961 |
| IRS Avg AGI | $58,475 |