Homes for Sale Under $300K in Toccoa, GA

By Jon Brooks, Co-Founder, Momentum Realty · Updated October 2, 2026

This page tracks every Toccoa listing with an asking price under $300,000, by community, with live counts and asking prices. Prices are asking prices from the MLS, not values, and the list changes with every refresh.

59 homes listed under $300,000 are for sale or pending in Toccoa, GA today across 20 communities. The median asking price is $230,000, from $135,500 to $299,900. Listings in Toccoa without that feature have a median of $444,500. Most listings right now: Currahee Heights (2), Moreno (2), Ridgewood (1). Updated October 2, 2026 from the MLS.

First-time buyers: what Toccoa costs at the entry level

48 active single-family homes, townhomes and condos at or below $300,000 — median $229,500, about $1,443/mo principal & interest at 6.95% with 5% down. Live from the MLS, refreshed nightly.

Newest homes under $300K in Toccoa

$205,000 New

3 bd · 1 ba · 1,131 sq ft · built 1955

312 Hilltop Lane, 30577

Listing courtesy of Talan Properties LLC

$215,000 New

3 bd · 1.5 ba · 1,358 sq ft · built 1960

327 Poplar Street, 30577

Listing courtesy of Poss Realty

$250,000 New

4 bd · 2 ba · 1,632 sq ft · built 2026

2037 Defoor Road, 30577

Listing courtesy of eXp Realty

$199,900 New

3 bd · 2 ba · 1,391 sq ft · built 1981

404 Stancil Drive, 30577

Listing courtesy of LPT Realty

$204,999 New

3 bd · 1 ba · 1,040 sq ft · built 1955

1168 Rosedale Street, 30577

Listing courtesy of Keller Williams Lanier Partners

$225,000 New

3 bd · 2 ba · 1,536 sq ft · built 2023

2421 E Silver Shoals Road, 30577

Listing courtesy of Keller Williams Lanier Partners

$285,000 New

3 bd · 2 ba · 1,536 sq ft · built 2023

2421 E Silver Shoals Road, 30577

Listing courtesy of Keller Williams Lanier Partners

$145,000 New

2 bd · 1.5 ba · 1,152 sq ft · built 1930

1288 Rose Lane, 30577

Listing courtesy of Hammock Realty North Georgia

$235,000 New

2 bd · 1 ba · 770 sq ft · built 1954

393 N Red Rock Road, 30577

Listing courtesy of Keller Williams Realty Atl. Partners

$136,000

2 bd · 1 ba · 800 sq ft · built 1970

3515 Rock Creek Road, 30577

Listing courtesy of Keller Williams Lanier Partners

$200,000

2 bd · 2 ba · 1,244 sq ft · built 1952

52 Watson Extension, 30577

Listing courtesy of Headwaters Realty

$230,000

3 bd · 1 ba · 1,194 sq ft · built 1947

119 Parkway Drive, 30577

Currahee Heights

Listing courtesy of Keller Williams Lanier Partners

$235,000

2 bd · 2 ba · 1,288 sq ft · built 1948

1059 Prather Bridge Road, 30577

Listing courtesy of Michael Carr and Associates

$269,000

2 bd · 1.5 ba · 960 sq ft · built 1960

4273 Yonah Dam Road, 30577

Listing courtesy of Poss Realty

$279,900

3 bd · 2 ba · 1,372 sq ft · built 1939

109 Vernon Street, 30577

Listing courtesy of K & A Realty Group LLC

$290,000

3 bd · 1.5 ba · 1,300 sq ft · built 1977

814 Brookdale Road, 30577

Listing courtesy of the listing brokerage

$299,900

5 bd · 3 ba · 3,744 sq ft · built 1950

169 N Pinecrest Road, 30577

Listing courtesy of Hammock Realty North Georgia

$214,999

3 bd · 1.5 ba · 1,100 sq ft · built 1970

803 S Red Rock Road, 30577

Listing courtesy of LPT Realty

$229,999

3 bd · 2 ba · built 2025

80 Elberton Street, 30577

Listing courtesy of W. G. Stephens & Associates

$225,000

3 bd · 1 ba · 1,208 sq ft · built 1965

680 Hunters Creek Road, 30577

Listing courtesy of Keller Williams Greater Athens

$195,000

3 bd · 1.5 ba · 1,275 sq ft · built 1972

574 S Sage Street, 30577

Booker Washington Heights

Listing courtesy of eXp Realty

$175,000

3 bd · 1.5 ba · 1,276 sq ft · built 1962

202 S Sage Street, 30577

Moreno

Listing courtesy of Your Home Sold Guaranteed

$150,000

2 bd · 1 ba · 816 sq ft · built 1950

504 N Pond Street, 30577

Listing courtesy of Keller Williams Lanier Partners

$179,900

3 bd · 2 ba · 1,456 sq ft · built 1995

4231 Prather Bridge Road, 30577

Listing courtesy of Hammock Realty North Georgia

$279,900

3 bd · 2 ba · 1,425 sq ft · built 2025

193 Tabitha Page Lane, 30577

Cougar Run

Listing courtesy of Keller Williams Lanier Partners

$225,000

3 bd · 2 ba · 1,325 sq ft · built 1977

275 Sherwood Street, 30577

Listing courtesy of Keller Williams Lanier Partners

$183,000

2 bd · 2 ba · 908 sq ft · built 1955

345 Prather Bridge Road, 30577

Listing courtesy of the listing brokerage

$279,900

3 bd · 2 ba · 1,259 sq ft · built 1950

4305 Yonah Dam Road, 30577

Listing courtesy of Hammock Realty North Georgia

$167,900

3 bd · 1.5 ba · 1,101 sq ft · built 1982

514 S Broad Street, 30577

Listing courtesy of KDD Properties of GA, LLC

$217,500

3 bd · 1 ba · 1,056 sq ft · built 1945

283 Easy Street, 30577

Listing courtesy of Keller Williams Lanier Partners

What the payment looks like

Purchase price	P&I at 6.95%, 5% down	P&I, 20% down	Cash to close at 5% down (est.)
$150,000	$943	$794	$12,000
$200,000	$1,258	$1,059	$16,000
$250,000	$1,572	$1,324	$20,000
$300,000	$1,887	$1,589	$24,000

Estimates only; taxes, insurance, HOA and mortgage insurance are on top. Closing costs assumed at 3%.

Toccoa homes under $300K by community

Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.

What under $300,000 buys and what to check

In this price band the differences between listings are usually age, size and condition rather than location alone, so read each listing’s year built, square footage and property type (a condo or manufactured home and a single-family home can sit at the same price with very different monthly costs). Budget the full monthly number, not the price: taxes, insurance, and HOA or CDD fees are all on each listing page, and our true cost of ownership calculator puts them into one figure. Insurance quotes on older roofs and older electrical can change which of two similar homes is actually cheaper.

Questions to ask about any listing in this band

How old is the roof, and will insurers write it? Is there a four-point inspection on file? What did the seller pay for insurance last year? In a condo, what are the dues, is there a special assessment or milestone inspection pending, and what do the reserves look like? Is the price a recent reduction, and how long has it been listed? A local agent who works the area will know which communities in this band have the fewest surprises at inspection.

Common questions

Keep exploring Toccoa

• All homes for sale in Toccoa
• Toccoa waterfront homes
• Toccoa 4-bedroom homes
• Toccoa homes $300K–$500K
• Homes Under $300K in every city

Homes Under $300K in nearby Stephens County cities

• Martin homes under $300K (17 for sale)

Live data: Georgia MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in Toccoa, GA whose MLS record reports an asking price under $300,000. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.