HomeGeorgiaStephens CountyToccoa city
Toccoa city, Georgia: commercial real estate data.
Toccoa city is a Census city of 9,238 people across 9.37 square miles of land, in Stephens County. Median household income is $48,438, 57.8 percent of occupied homes are owned, and the SBA record carries 6 7(a) approvals to borrowers here worth $5.0 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Toccoa
What Toccoa is
- Census place typecity
- Land area9.37 sq mi
- Water area0.08 sq mi
- Population per square mile of land986
- County holding the largest share of its areaStephens County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Toccoa
How many people live in Toccoa
- Population9,238
- Median age39.5
- Population under 182,010
- Share under 1821.8 percent
- Population 65 and over1,896
- Share 65 and over20.5 percent
- Households3,592
- Family households2,276
- Share of households that are families63.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Toccoa
Income and work in Toccoa
- Median household income$48,438
- Per capita income$24,906
- Civilian labor force4,266
- Employed3,891
- Unemployed375 plus or minus 144
- Unemployment rate8.8 percent plus or minus 3.3
- Adults 25 and over6,334
- Adults 25 and over with a high school diploma or higher84.3 percent
- Adults 25 and over with a bachelor degree or higher20.0 percent
- Adults 25 and over with a graduate degree7.8 percent plus or minus 2.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Toccoa
Housing in Toccoa
- Housing units4,007
- Occupied units3,592
- Vacant units415 plus or minus 178
- Vacancy rate10.4 percent plus or minus 4.4
- Owner occupied2,075
- Renter occupied1,517
- Ownership rate57.8 percent
- Median owner-occupied home value$178,100
- Median gross rent, monthly$711
- Annual rent as a share of median income17.6 percent plus or minus 3.5
- Single family units2,965
- Share single family74.0 percent
- Units in buildings of two or more782 plus or minus 202
- Share in buildings of two or more19.5 percent plus or minus 4.9
- Mobile homes260 plus or minus 155
- Median year structure built1973
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Toccoa
How Toccoa gets to work
- Workers 16 and over who commute3,676
- Commuting under 15 minutes1,713 plus or minus 356
- Share commuting under 15 minutes46.6 percent
- Commuting 30 minutes or more906 plus or minus 222
- Share commuting 30 minutes or more24.6 percent plus or minus 5.7
- Drove alone78.0 percent
- Carpooled14.6 percent plus or minus 5.5
- Public transport0.0 percent
- Walked2.5 percent plus or minus 2.3
- Worked from home4.8 percent plus or minus 2.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Toccoa
SBA loans in Toccoa (7(a))
- Approvals6
- Gross approval$5,038,300
- Average approval$839,717
- Median approval$610,000
- Ninetieth percentile approval$2,377,300
- Largest approval$2,377,300
- Jobs supported88
- Jobs per approval14.7
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term300 months
- Share on real estate terms of 20 years or more66.7 percent
- Share to franchises33.3 percent
- Distinct lenders6
- Distinct industries by NAICS5
A charge-off rate is not published here. only 1 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Toccoa
SBA loans in Toccoa (504)
- Approvals5
- Gross approval$4,298,000
- Average approval$859,600
- Median approval$968,000
- Largest approval$1,691,000
- Jobs supported52
- Loans with a final outcome4
- Charged off2
- Median term240 months
- Distinct CDCs3
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Toccoa
Flood risk in Toccoa
- Listed NFIP communities1
- Of those, participating1
- NFIP community number130231
- Currently effective map date09/26/08(M)
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Stephens County, not Toccoa
Stephens County context, not Toccoa figures
These are Stephens County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Toccoa measurements.
- Establishments in Stephens County539
- Employment at those establishments, Stephens County7,799
- Covered employment, Stephens County8,540
- Average annual pay, Stephens County$49,830
- Average weekly wage, Stephens County$958
- Housing units permitted, Stephens County54
- Of those, single family, Stephens County54
- County product, 2024, Stephens County$1,440,312,000
- County product change over the prior year, Stephens County5.6 percent
- Average income of an arriving household, Stephens County$57,584
Every figure in this section is published for Stephens County as a whole and is not a measurement of Toccoa. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Toccoa questions, answered from the record.
How many people live in Toccoa, Georgia?
9,238, in 3,592 households. Toccoa city covers 9.37 square miles of land, which is 986 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Toccoa in?
Stephens County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Toccoa?
$48,438. The median owner-occupied home is valued at $178,100. Median gross rent is $711 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Toccoa businesses?
6 7(a) approvals totalling $5.0 m, across 6 lenders, median approval $610,000, plus 5 504 approvals worth $4.3 m. These count approvals to borrowers whose address is in Toccoa, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Toccoa borrowers get paid back?
No rate is published for Toccoa. only 1 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Toccoa in the National Flood Insurance Program?
Yes. Toccoa appears in the FEMA Community Status Book as community 130231, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Toccoa figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Stephens County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Toccoa.
Is zoning published for Toccoa?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.