Toccoa Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Toccoa averaged
6.88%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.89% and
one month ago for the week of 2025-02-27, the
average rate was 6.7%.
Toccoa's average rate one year ago was 6.83%.
For refis of the same type during the week of 2025-04-03, the average rate
was 7.24%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Toccoa 30 Year Fixed Rate | 2025-04-03 | 6.88% |
| Toccoa 30 Year Fixed Rate Refi | 2025-04-03 | 7.24% |
| Toccoa 15 Year Fixed Rate | 2025-04-03 | 5.72% |
| Toccoa 15 Year Fixed Rate Refi | 2025-04-03 | 6.32% |
| Toccoa 30 Year FHA | 2025-04-03 | 6.08% |
| Toccoa 30 Year FHA Refi | 2025-04-03 | 6.36% |
| Toccoa 30 Year USDA | 2025-04-03 | 6.12% |
| Toccoa 30 Year USDA Refi | 2025-04-03 | 6.52% |
| Toccoa 30 Year VA | 2025-04-03 | 5.86% |
| Toccoa 30 Year VA Refi | 2025-04-03 | 6.06% |
Toccoa Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Toccoa, GA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Toccoa Average Closing Costs & Other Stats
Toccoa, GA's 58 lenders originated 549
loans during 2024. The total origination value was $115,925,000, with an average loan value of
$211,157.
Toccoa's average closing costs are $5,439.
The top Toccoa lender as defined by loan originations is QUICKEN LOANS, LLC, with
17 loans originated. Their average total fees are
$6,608, which is $182
lower than the next largest lender,
PREMIER MORTGAGE RESOURCES, L.L.C..
The lowest fee Toccoa lenders (with over 10 loans originated) are
FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($5,616), QUICKEN LOANS, LLC ($6,608), PREMIER MORTGAGE RESOURCES, L.L.C. ($6,790), UNITED WHOLESALE MORTGAGE, LLC ($6,996) and AMERICAN PACIFIC MORTGAGE CORPORATION ($7,344).
The lowest rate Toccoa lenders (with over 10 loans originated) are
PREMIER MORTGAGE RESOURCES, L.L.C. (6.51%), AMERICAN PACIFIC MORTGAGE CORPORATION (6.57%), QUICKEN LOANS, LLC (6.73%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (6.77%) and UNITED WHOLESALE MORTGAGE, LLC (7.15%).
Toccoa, GA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| QUICKEN LOANS, LLC | $6,275,000 | $8,680,000 | 38.3% | 7.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $6,315,000 | $7,745,000 | 22.6% | 6.7% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $1,350,000 | $6,780,000 | 402.2% | 5.8% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $165,000 | $4,890,000 | 2,863.6% | 4.2% |
| Mortgage Research Center, LLC | $3,915,000 | $4,630,000 | 18.3% | 4.0% |
| First-Citizens Bank & Trust Company | $1,945,000 | $4,050,000 | 108.2% | 3.5% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $2,430,000 | $3,930,000 | 61.7% | 3.4% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $3,775,000 | $3,895,000 | 3.2% | 3.4% |
| Ameris Bank | $2,495,000 | $3,700,000 | 48.3% | 3.2% |
| United Community Bank | $1,350,000 | $3,400,000 | 151.9% | 2.9% |
| BROKER SOLUTIONS, INC. | $780,000 | $2,860,000 | 266.7% | 2.5% |
| 21ST MORTGAGE CORPORATION | $4,000,000 | $2,655,000 | -33.6% | 2.3% |
| UNION HOME MORTGAGE CORP. | $1,315,000 | $2,475,000 | 88.2% | 2.1% |
| South State Bank | $1,365,000 | $2,250,000 | 64.8% | 1.9% |
| Magnolia Bank | $1,470,000 | $1,670,000 | 13.6% | 1.4% |
| Pinnacle Bank | $95,000 | $1,630,000 | 1,615.8% | 1.4% |
| FREEDOM MORTGAGE CORPORATION | $165,000 | $1,265,000 | 666.7% | 1.1% |
| Mr. Cooper ( Nationstar Mortgage ) | $940,000 | $1,190,000 | 26.6% | 1.0% |
| Prosperity Home Mortgage, LLC | $675,000 | $1,110,000 | 64.4% | 1.0% |
| Regions Bank | $1,950,000 | $1,055,000 | -45.9% | 0.9% |
| STOCKTON MORTGAGE CORPORATION | $1,070,000 | $1,005,000 | -6.1% | 0.9% |
| INSPIRE HOME LOANS INC. | $1,000,000 | n/a | 0.9% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $3,230,000 | $985,000 | -69.5% | 0.8% |
| VILLAGE CAPITAL MORTGAGE | $975,000 | n/a | 0.8% | |
| NEW DAY FINANCIAL, LLC | $530,000 | $930,000 | 75.5% | 0.8% |
| EVERETT FINANCIAL, INC. | $890,000 | $925,000 | 3.9% | 0.8% |
| ZILLOW HOME LOANS, LLC | $165,000 | $890,000 | 439.4% | 0.8% |
| NATIONS DIRECT MORTGAGE, LLC | $205,000 | $885,000 | 331.7% | 0.8% |
| The Loan Store, Inc. | $870,000 | n/a | 0.8% | |
| T2 FINANCIAL LLC | $860,000 | n/a | 0.7% | |
| PENNYMAC LOAN SERVICES, LLC | $1,780,000 | $815,000 | -54.2% | 0.7% |
| ENVOY MORTGAGE, LTD | $810,000 | n/a | 0.7% | |
| CMG MORTGAGE, INC. | $755,000 | n/a | 0.7% | |
| NAVY FEDERAL CREDIT UNION | $560,000 | $725,000 | 29.5% | 0.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $295,000 | $700,000 | 137.3% | 0.6% |
| DELTA COMMUNITY CREDIT UNION | $675,000 | n/a | 0.6% | |
| SENTE MORTGAGE, INC. | $665,000 | n/a | 0.6% | |
| AMERICAN FINANCIAL RESOURCES, INC. | $655,000 | n/a | 0.6% | |
| LOANDEPOT.COM, LLC | $750,000 | $640,000 | -14.7% | 0.6% |
| PEACH STATE FEDERAL CREDIT UNION | $450,000 | $625,000 | 38.9% | 0.5% |
| CONTOUR MORTGAGE CORPORATION | $605,000 | n/a | 0.5% | |
| TOP FLITE FINANCIAL, INC. | $595,000 | n/a | 0.5% | |
| GENEVA FINANCIAL, LLC | $900,000 | $580,000 | -35.6% | 0.5% |
| SHELTER HOME MORTGAGE, LLC | $575,000 | n/a | 0.5% | |
| FBC MORTGAGE, LLC | $540,000 | n/a | 0.5% | |
| 1ST SIGNATURE LENDING, LLC | $185,000 | $525,000 | 183.8% | 0.5% |
| First American Bank and Trust Company | $525,000 | n/a | 0.5% | |
| GUARANTEED RATE, INC. | $635,000 | $510,000 | -19.7% | 0.4% |
| GEORGIA UNITED | $255,000 | $505,000 | 98.0% | 0.4% |
| BANKSOUTH MORTGAGE COMPANY, LLC | $175,000 | $490,000 | 180.0% | 0.4% |
| MOVEMENT MORTGAGE, LLC | $525,000 | $485,000 | -7.6% | 0.4% |
| Flagstar Bank, FSB | $780,000 | $480,000 | -38.5% | 0.4% |
| First Option Mortgage, LLC | $680,000 | $475,000 | -30.1% | 0.4% |
| The First, A National Banking Association | $455,000 | n/a | 0.4% | |
| Paramount Residential Mortgage Group, Inc. | $215,000 | $450,000 | 109.3% | 0.4% |
| GEORGIA'S OWN | $435,000 | n/a | 0.4% | |
| GMFS LLC | $180,000 | $415,000 | 130.6% | 0.4% |
| The Peoples Bank | $415,000 | n/a | 0.4% | |
| Bank of America | $105,000 | $405,000 | 285.7% | 0.3% |
| LIBERTY HOME MORTGAGE CORPORATION | $405,000 | n/a | 0.3% | |
| Equity Prime Mortgage LLC | $175,000 | $400,000 | 128.6% | 0.3% |
| First Heritage Mortgage, LLC | $400,000 | n/a | 0.3% | |
| NexBank | $385,000 | n/a | 0.3% | |
| Truist | $205,000 | $385,000 | 87.8% | 0.3% |
| SeaTrust Mortgage Company | $375,000 | n/a | 0.3% | |
| Century Mortgage Company DBA Century Lending Company | $365,000 | n/a | 0.3% | |
| Lakeview Community Capital, LLC | $35,000 | $365,000 | 942.9% | 0.3% |
| Farmers & Merchants Bank | $355,000 | n/a | 0.3% | |
| JPMorgan Chase Bank | $940,000 | $350,000 | -62.8% | 0.3% |
| AMERICAN FEDERAL MORTGAGE CORPORATION | $345,000 | n/a | 0.3% | |
| FIRST COMMUNITY MORTGAGE, INC. | $370,000 | $345,000 | -6.8% | 0.3% |
| Associated Credit Union | $325,000 | $325,000 | 0.0% | 0.3% |
| LENDINGHOME FUNDING CORPORATION | $205,000 | $325,000 | 58.5% | 0.3% |
| U.S. Bank | $130,000 | $325,000 | 150.0% | 0.3% |
| First Savings Bank | $315,000 | n/a | 0.3% | |
| RUOFF MORTGAGE COMPANY, INC. | $85,000 | $305,000 | 258.8% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $420,000 | $300,000 | -28.6% | 0.3% |
| GUILD MORTGAGE COMPANY | $275,000 | $295,000 | 7.3% | 0.3% |
| Willamette Valley Bank | $295,000 | n/a | 0.3% | |
| Colony Bank | $265,000 | $275,000 | 3.8% | 0.2% |
| Stifel Bank and Trust | $275,000 | n/a | 0.2% | |
| The Park National Bank | $275,000 | n/a | 0.2% | |
| Renasant Bank | $585,000 | $270,000 | -53.8% | 0.2% |
| ATLANTA POSTAL | $265,000 | n/a | 0.2% | |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $255,000 | n/a | 0.2% | |
| FirstBank | $255,000 | n/a | 0.2% | |
| Wells Fargo Bank | $850,000 | $255,000 | -70.0% | 0.2% |
| ALLIANT CREDIT UNION | $245,000 | n/a | 0.2% | |
| Goldwater Bank, N.A. | $245,000 | n/a | 0.2% | |
| TOWNE MORTGAGE COMPANY | $370,000 | $245,000 | -33.8% | 0.2% |
| Capital City Home Loans, LLC | $235,000 | n/a | 0.2% | |
| AMERICAN FINANCING CORPORATION | $125,000 | $225,000 | 80.0% | 0.2% |
| Bethpage Federal Credit Union | $220,000 | n/a | 0.2% | |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | $215,000 | n/a | 0.2% | |
| Cornerstone First Mortgage, Inc | $215,000 | n/a | 0.2% | |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $205,000 | n/a | 0.2% | |
| TRIAD FINANCIAL SERVICES, INC. | $470,000 | $205,000 | -56.4% | 0.2% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | $195,000 | n/a | 0.2% | |
| HOMESIDE FINANCIAL, LLC | $195,000 | n/a | 0.2% | |
| MEMBER FIRST MORTGAGE, LLC | $95,000 | $195,000 | 105.3% | 0.2% |
| NEWREZ LLC | $590,000 | $195,000 | -66.9% | 0.2% |
| SWBC MORTGAGE CORPORATION | $275,000 | $185,000 | -32.7% | 0.2% |
| MORTGAGE INVESTORS GROUP, INC. | $580,000 | $175,000 | -69.8% | 0.2% |
| SUMMIT FUNDING, INC. | $165,000 | n/a | 0.1% | |
| USAA Federal Savings Bank | $195,000 | $165,000 | -15.4% | 0.1% |
| Citizens Bank | $110,000 | $155,000 | 40.9% | 0.1% |
| Alcova Mortgage LLC | $145,000 | n/a | 0.1% | |
| BAY EQUITY LLC | $145,000 | n/a | 0.1% | |
| Sound Bank | $135,000 | n/a | 0.1% | |
| Discover Bank | $75,000 | $125,000 | 66.7% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $125,000 | n/a | 0.1% | |
| TJC Mortgage, Inc. | $125,000 | n/a | 0.1% | |
| JMAC LENDING, INC. | $115,000 | n/a | 0.1% | |
| CARDINAL FINANCIAL | $85,000 | $105,000 | 23.5% | 0.1% |
| LGE COMMUNITY | $105,000 | n/a | 0.1% | |
| PENTAGON FEDERAL CREDIT UNION | $105,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $125,000 | $95,000 | -24.0% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $75,000 | $75,000 | 0.0% | 0.1% |
| Synovus Bank | $80,000 | $75,000 | -6.3% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $155,000 | $65,000 | -58.1% | 0.1% |
| Peoples Bank & Trust | $125,000 | $65,000 | -48.0% | 0.1% |
| The Commercial Bank | $1,005,000 | $65,000 | -93.5% | 0.1% |
| CORNING | $55,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $55,000 | n/a | 0.0% |
Toccoa's top lender by overall market share is QUICKEN LOANS, LLC, with 7.5% market share. In second place, with 6.7%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $7,745,000 in loans. In third place, with 5.8%, is PREMIER MORTGAGE RESOURCES, L.L.C., having originated $6,780,000 in loans. In fourth place, with 4.2%, is AMERICAN PACIFIC MORTGAGE CORPORATION, having originated $4,890,000 in loans. In fifth place, with 4.0%, is Mortgage Research Center, LLC, having originated $4,630,000 in loans.
Toccoa Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Toccoa (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $216,000 (0.7%) | $291,172 (6.4%) | 0.00 | 124 |
| 2018-02-01 | $216,000 (-1.9%) | $287,059 (4.1%) | 0.00 | 130 |
| 2018-03-01 | $229,450 (1.8%) | $289,124 (3.0%) | 0.00 | 142 |
| 2018-04-01 | $243,475 (8.2%) | $298,603 (6.9%) | 0.00 | 144 |
| 2018-05-01 | $235,375 (3.7%) | $297,791 (8.7%) | 0.00 | 153 |
| 2018-06-01 | $229,000 (-3.8%) | $292,674 (4.4%) | 0.00 | 158 |
| 2018-07-01 | $250,000 (0.0%) | $304,483 (2.9%) | 0.00 | 149 |
| 2018-08-01 | $250,000 (0.1%) | $302,984 (1.4%) | 0.00 | 136 |
| 2018-09-01 | $235,000 (-6.0%) | $292,799 (-4.0%) | 0.00 | 135 |
| 2018-10-01 | $225,000 (-0.4%) | $282,041 (-6.4%) | 0.00 | 146 |
| 2018-11-01 | $220,000 (-10.6%) | $303,628 (-0.5%) | 0.00 | 143 |
| 2018-12-01 | $239,000 (1.1%) | $315,162 (3.3%) | 0.00 | 129 |
| 2019-01-01 | $244,950 (13.4%) | $321,139 (10.3%) | 0.00 | 123 |
| 2019-02-01 | $224,000 (3.7%) | $312,671 (8.9%) | 0.00 | 115 |
| 2019-03-01 | $200,143 (-12.8%) | $284,988 (-1.4%) | 0.00 | 118 |
| 2019-04-01 | $191,818 (-21.2%) | $267,286 (-10.5%) | 0.00 | 123 |
| 2019-05-01 | $214,175 (-9.0%) | $278,289 (-6.6%) | 0.00 | 111 |
| 2019-06-01 | $199,900 (-12.7%) | $270,920 (-7.4%) | 0.00 | 115 |
| 2019-07-01 | $205,825 (-17.7%) | $270,769 (-11.1%) | 0.00 | 123 |
| 2019-08-01 | $179,655 (-28.1%) | $264,438 (-12.7%) | 0.00 | 121 |
| 2019-09-01 | $186,711 (-20.6%) | $267,007 (-8.8%) | 0.00 | 122 |
| 2019-10-01 | $215,350 (-4.3%) | $275,868 (-2.2%) | 0.00 | 116 |
| 2019-11-01 | $250,000 (13.6%) | $299,474 (-1.4%) | 0.00 | 101 |
| 2019-12-01 | $252,200 (5.5%) | $302,360 (-4.1%) | 0.00 | 89 |
| 2020-01-01 | $252,450 (3.1%) | $301,616 (-6.1%) | 0.00 | 82 |
| 2020-02-01 | $254,900 (13.8%) | $297,139 (-5.0%) | 0.00 | 78 |
| 2020-03-01 | $247,000 (23.4%) | $282,910 (-0.7%) | 0.00 | 78 |
| 2020-04-01 | $244,700 (27.6%) | $281,015 (5.1%) | 0.00 | 85 |
| 2020-05-01 | $247,000 (15.3%) | $292,465 (5.1%) | 0.00 | 76 |
| 2020-06-01 | $270,750 (35.4%) | $314,663 (16.2%) | 0.00 | 66 |
| 2020-07-01 | $249,250 (21.1%) | $307,401 (13.5%) | 0.00 | 54 |
| 2020-08-01 | $257,400 (43.3%) | $308,117 (16.5%) | 0.00 | 52 |
| 2020-09-01 | $281,150 (50.6%) | $320,551 (20.1%) | 0.00 | 55 |
| 2020-10-01 | $279,900 (30.0%) | $321,748 (16.6%) | 0.00 | 53 |
| 2020-11-01 | $277,975 (11.2%) | $313,730 (4.8%) | 0.00 | 51 |
| 2020-12-01 | $207,450 (-17.7%) | $272,516 (-9.9%) | 0.00 | 46 |
| 2021-01-01 | $279,450 (10.7%) | $304,661 (1.0%) | 0.00 | 57 |
| 2021-02-01 | $264,900 (3.9%) | $334,119 (12.5%) | 0.00 | 65 |
| 2021-03-01 | $324,450 (31.4%) | $386,218 (36.5%) | 0.00 | 57 |
| 2021-04-01 | $324,450 (32.6%) | $393,109 (39.9%) | 0.00 | 52 |
| 2021-05-01 | $329,450 (33.4%) | $401,060 (37.1%) | 0.00 | 52 |
| 2021-06-01 | $329,900 (21.9%) | $383,757 (22.0%) | 0.00 | 55 |
| 2021-07-01 | $349,900 (40.4%) | $431,142 (40.3%) | 0.00 | 54 |
| 2021-08-01 | $324,450 (26.1%) | $364,725 (18.4%) | 0.00 | 52 |
| 2021-09-01 | $314,250 (11.8%) | $339,940 (6.1%) | 0.00 | 67 |
| 2021-10-01 | $299,950 (7.2%) | $330,551 (2.7%) | 0.00 | 59 |
| 2021-11-01 | $275,600 (-0.9%) | $297,738 (-5.1%) | 0.00 | 59 |
| 2021-12-01 | $281,200 (35.6%) | $307,148 (12.7%) | 0.00 | 55 |
| 2022-01-01 | $294,900 (5.5%) | $318,000 (4.4%) | 0.00 | 41 |
| 2022-02-01 | $286,725 (8.2%) | $300,579 (-10.0%) | 0.00 | 40 |
| 2022-03-01 | $289,950 (-10.6%) | $321,792 (-16.7%) | 0.00 | 43 |
| 2022-04-01 | $307,500 (-5.2%) | $326,739 (-16.9%) | 0.00 | 38 |
| 2022-05-01 | $278,475 (-15.5%) | $339,034 (-15.5%) | 0.00 | 54 |
| 2022-06-01 | $277,000 (-16.0%) | $334,770 (-12.8%) | 0.00 | 49 |
| 2022-07-01 | $268,900 (-23.2%) | $311,806 (-27.7%) | 0.00 | 65 |
| 2022-08-01 | $281,200 (-13.3%) | $310,385 (-14.9%) | 0.00 | 85 |
| 2022-09-01 | $284,900 (-9.3%) | $317,232 (-6.7%) | 0.00 | 78 |
| 2022-10-01 | $269,750 (-10.1%) | $310,999 (-5.9%) | 0.00 | 79 |
| 2022-11-01 | $282,400 (2.5%) | $322,629 (8.4%) | 0.00 | 75 |
| 2022-12-01 | $309,900 (10.2%) | $355,663 (15.8%) | 0.00 | 64 |
| 2023-01-01 | $328,650 (11.4%) | $360,189 (13.3%) | 0.00 | 59 |
| 2023-02-01 | $334,950 (16.8%) | $393,526 (30.9%) | 0.00 | 55 |
| 2023-03-01 | $331,250 (14.2%) | $390,733 (21.4%) | 0.00 | 61 |
| 2023-04-01 | $330,000 (7.3%) | $410,528 (25.6%) | 0.00 | 66 |
| 2023-05-01 | $336,175 (20.7%) | $383,016 (13.0%) | 0.00 | 74 |
| 2023-06-01 | $338,675 (22.3%) | $414,098 (23.7%) | 0.00 | 67 |
| 2023-07-01 | $339,900 (26.4%) | $428,148 (37.3%) | 0.00 | 76 |
| 2023-08-01 | $327,475 (16.5%) | $406,085 (30.8%) | 0.00 | 82 |
| 2023-09-01 | $309,950 (8.8%) | $395,367 (24.6%) | 0.00 | 72 |
| 2023-10-01 | $327,500 (21.4%) | $414,313 (33.2%) | 0.00 | 75 |
| 2023-11-01 | $289,900 (2.7%) | $389,749 (20.8%) | 0.00 | 85 |
| 2023-12-01 | $286,000 (-7.7%) | $376,426 (5.8%) | 0.00 | 79 |
| 2024-01-01 | $299,950 (-8.7%) | $387,196 (7.5%) | 0.00 | 78 |
| 2024-02-01 | $305,950 (-8.7%) | $432,782 (10.0%) | 0.00 | 76 |
| 2024-03-01 | $297,400 (-10.2%) | $437,121 (11.9%) | 0.00 | 78 |
| 2024-04-01 | $299,225 (-9.3%) | $415,515 (1.2%) | 0.00 | 73 |
| 2024-05-01 | $332,000 (-1.2%) | $460,466 (20.2%) | 0.00 | 75 |
| 2024-06-01 | $319,500 (-5.7%) | $443,948 (7.2%) | 0.00 | 85 |
| 2024-07-01 | $308,675 (-9.2%) | $421,645 (-1.5%) | 0.00 | 103 |
| 2024-08-01 | $294,900 (-10.0%) | $416,769 (2.6%) | 0.00 | 108 |
| 2024-09-01 | $277,450 (-10.5%) | $419,353 (6.1%) | 0.00 | 116 |
| 2024-10-01 | $284,950 (-13.0%) | $439,332 (6.0%) | 0.00 | 121 |
| 2024-11-01 | $277,450 (-4.3%) | $420,513 (7.9%) | 0.00 | 124 |
| 2024-12-01 | $296,175 (3.6%) | $418,752 (11.2%) | 0.00 | 129 |
| 2025-01-01 | $299,675 (-0.1%) | $430,371 (11.2%) | 0.00 | 111 |
| 2025-02-01 | $293,150 (-4.2%) | $420,557 (-2.8%) | 0.00 | 115 |
| 2025-03-01 | $309,900 (4.2%) | $425,404 (-2.7%) | 0.00 | 118 |
Toccoa's median listing price comes in at 0% of the national average.
Toccoa's average listing price for 2025-03-01 was $425,404, a difference of $-11,717 (-2.7%) versus the prior year and $4,847 versus the prior month.
For the 2025-03-01 period, Toccoa had 118 MLS listings, a difference of 3 listings (3%) versus the prior month and 40 listings (51%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Toccoa (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,937 sqft |
| 2018-02-01 | 0 days | 1,985 sqft |
| 2018-03-01 | 0 days | 2,132 sqft |
| 2018-04-01 | 0 days | 2,096 sqft |
| 2018-05-01 | 0 days | 2,085 sqft |
| 2018-06-01 | 0 days | 2,028 sqft |
| 2018-07-01 | 0 days | 2,168 sqft |
| 2018-08-01 | 0 days | 2,134 sqft |
| 2018-09-01 | 0 days | 2,044 sqft |
| 2018-10-01 | 0 days | 1,926 sqft |
| 2018-11-01 | 0 days | 1,967 sqft |
| 2018-12-01 | 0 days | 2,039 sqft |
| 2019-01-01 | 0 days | 2,054 sqft |
| 2019-02-01 | 0 days | 1,884 sqft |
| 2019-03-01 | 0 days | 1,815 sqft |
| 2019-04-01 | 0 days | 1,792 sqft |
| 2019-05-01 | 0 days | 1,777 sqft |
| 2019-06-01 | 0 days | 1,733 sqft |
| 2019-07-01 | 0 days | 1,756 sqft |
| 2019-08-01 | 0 days | 1,756 sqft |
| 2019-09-01 | 0 days | 1,770 sqft |
| 2019-10-01 | 0 days | 1,806 sqft |
| 2019-11-01 | 0 days | 2,030 sqft |
| 2019-12-01 | 0 days | 2,122 sqft |
| 2020-01-01 | 0 days | 2,161 sqft |
| 2020-02-01 | 0 days | 2,180 sqft |
| 2020-03-01 | 0 days | 1,978 sqft |
| 2020-04-01 | 0 days | 2,041 sqft |
| 2020-05-01 | 0 days | 2,011 sqft |
| 2020-06-01 | 0 days | 2,223 sqft |
| 2020-07-01 | 0 days | 1,925 sqft |
| 2020-08-01 | 0 days | 1,720 sqft |
| 2020-09-01 | 0 days | 1,720 sqft |
| 2020-10-01 | 0 days | 1,693 sqft |
| 2020-11-01 | 0 days | 1,741 sqft |
| 2020-12-01 | 0 days | 1,632 sqft |
| 2021-01-01 | 0 days | 1,625 sqft |
| 2021-02-01 | 0 days | 1,545 sqft |
| 2021-03-01 | 0 days | 1,693 sqft |
| 2021-04-01 | 0 days | 1,517 sqft |
| 2021-05-01 | 0 days | 1,648 sqft |
| 2021-06-01 | 0 days | 1,734 sqft |
| 2021-07-01 | 0 days | 1,852 sqft |
| 2021-08-01 | 0 days | 1,960 sqft |
| 2021-09-01 | 0 days | 1,788 sqft |
| 2021-10-01 | 0 days | 1,840 sqft |
| 2021-11-01 | 0 days | 1,638 sqft |
| 2021-12-01 | 0 days | 1,694 sqft |
| 2022-01-01 | 0 days | 1,668 sqft |
| 2022-02-01 | 0 days | 1,663 sqft |
| 2022-03-01 | 0 days | 1,710 sqft |
| 2022-04-01 | 0 days | 1,642 sqft |
| 2022-05-01 | 0 days | 1,760 sqft |
| 2022-06-01 | 0 days | 1,751 sqft |
| 2022-07-01 | 0 days | 1,672 sqft |
| 2022-08-01 | 0 days | 1,611 sqft |
| 2022-09-01 | 0 days | 1,683 sqft |
| 2022-10-01 | 0 days | 1,607 sqft |
| 2022-11-01 | 0 days | 1,634 sqft |
| 2022-12-01 | 0 days | 1,745 sqft |
| 2023-01-01 | 0 days | 1,793 sqft |
| 2023-02-01 | 0 days | 1,792 sqft |
| 2023-03-01 | 0 days | 1,762 sqft |
| 2023-04-01 | 0 days | 1,784 sqft |
| 2023-05-01 | 0 days | 1,800 sqft |
| 2023-06-01 | 0 days | 1,900 sqft |
| 2023-07-01 | 0 days | 1,875 sqft |
| 2023-08-01 | 0 days | 1,780 sqft |
| 2023-09-01 | 0 days | 1,848 sqft |
| 2023-10-01 | 0 days | 1,770 sqft |
| 2023-11-01 | 0 days | 1,657 sqft |
| 2023-12-01 | 0 days | 1,576 sqft |
| 2024-01-01 | 0 days | 1,658 sqft |
| 2024-02-01 | 0 days | 1,650 sqft |
| 2024-03-01 | 0 days | 1,646 sqft |
| 2024-04-01 | 0 days | 1,597 sqft |
| 2024-05-01 | 0 days | 1,742 sqft |
| 2024-06-01 | 0 days | 1,734 sqft |
| 2024-07-01 | 0 days | 1,754 sqft |
| 2024-08-01 | 0 days | 1,729 sqft |
| 2024-09-01 | 0 days | 1,553 sqft |
| 2024-10-01 | 0 days | 1,600 sqft |
| 2024-11-01 | 0 days | 1,600 sqft |
| 2024-12-01 | 0 days | 1,702 sqft |
| 2025-01-01 | 0 days | 1,665 sqft |
| 2025-02-01 | 0 days | 1,707 sqft |
| 2025-03-01 | 0 days | 1,613 sqft |
Toccoa's median square footage for active listings during the 2025-03-01 period was 1,613 sqft. One year prior, the average listing was 1,646 sqft.
Toccoa, GA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 351 | $84,695,000 | $241,296 |
| Cash Out Refi | 67 | $11,565,000 | $172,612 |
| Refi | 59 | $11,535,000 | $195,508 |
| Home Improvement | 36 | $4,310,000 | $119,722 |
| Other | 36 | $3,820,000 | $106,111 |
Toccoa's most frequently cited loan purpose was Home Purchase, with 351 originations. The 2nd most popular reason was Cash Out Refi, with 67 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 248 | $55,400,000 | $223,387 |
| 5-6% | 97 | $22,125,000 | $228,093 |
| 7-8% | 96 | $22,220,000 | $231,458 |
| Over 8% | 73 | $11,255,000 | $154,178 |
| <2.5% | 6 | $60,000 | $10,000 |
| 4-5% | 5 | $1,255,000 | $251,000 |
| 3-4% | 1 | $265,000 | $265,000 |
During 2024, Toccoa's most frequently originated rate bucket was 6-7%, with 248 originations.
Loan Sizing (Toccoa, GA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 222 | $60,380,000 | $271,982 |
| $100k-200k | 188 | $28,800,000 | $153,191 |
| $100,000 or less | 97 | $5,195,000 | $53,557 |
| $400k-600k | 36 | $16,990,000 | $471,944 |
| $600k-1000k | 5 | $3,395,000 | $679,000 |
| $Over $1MM | 1 | $1,165,000 | $1,165,000 |
Toccoa's loan sizing saw the bucket of loans from $200k-400k with 222 originations, totaling $60,380,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 263 | $65,455,000 | $248,878 |
| 60-80% | 93 | $21,655,000 | $232,849 |
| 40-60% | 65 | $14,365,000 | $221,000 |
| Under 20% | 48 | $3,070,000 | $63,958 |
| 20-40% | 44 | $4,680,000 | $106,364 |
| Over 100% | 3 | $855,000 | $285,000 |
Toccoa's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 263 originations, totaling $65,455,000 in origination value.