An overview of the general cost of living index for Toccoa, GA is displayed above for your reference. Residents in Toccoa, GA enjoy a cost of living index of 84. This index is 10% lower than the Georgia average, and 16% lower than the national average. The following categories are used when determining the cost of living index for any given city: health care (5%), transportation (9%), utilities (10%), groceries (13%), housing (30%), and goods/services (33%). Clearly, housing and goods/services make up the majority of the formula for calculating the cost of living index. Because of this, the general cost of living for any given area can be estimated by looking at the cost of everyday goods in that area. For those living in Toccoa, GA, the average cost of goods and services is 3% higher than it is in Georgia, and it is 1% lower than the national average.