Cost of living in Stephens County, GA
Population 26,842 · Last updated May 21, 2026
Cost breakdown
Single person, by category, per month.
Rent in Stephens County
Fair Market Rents by bedroom count.
Source: HUD FMR FY2025
Income and earnings in Stephens County
Annual earnings figures from the Census ACS.
Source: ACS 2019-2023 5-Year.
Home values in Stephens County
Average values reported by homeowners.
Source: ACS 2019-2023 5-Year
Energy costs in Stephens County
Estimated monthly electricity and gas costs.
Source: EIA
Healthcare in Stephens County
Insurance premiums and coverage rates.
Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.
Taxes in Stephens County
State and local tax rates for Georgia.
Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.
Transportation in Stephens County
Commute patterns and estimated costs.
Source: ACS
Monthly cost estimates for Stephens County
What it costs to live in Stephens County each month.
- Rent $725
- Energy $205
- Water $55
- Groceries $324
- Transport $320
- Healthcare $480
- Federal tax $357
- State tax $146
- Rent $951
- Energy $246
- Water $65
- Groceries $537
- Transport $420
- Healthcare $864
- Federal tax $525
- State tax $239
- Rent $1,177
- Energy $308
- Water $75
- Groceries $815
- Transport $520
- Healthcare $1,350
- Childcare $1,200
- Federal tax $525
- State tax $239
Frequently asked questions about Stephens County
Common questions about cost of living, rent and salary.
What is the average rent in Stephens County?
In Stephens County, GA, a one-bedroom apartment averages $725 per month, a two-bedroom averages $951 per month, a three-bedroom averages $1,177 per month, according to HUD Fair Market Rent data.
What is the average salary in Stephens County?
In Stephens County, GA, the average household income is $52,264 per year and individual earnings for full-time workers average $31,886 per year, according to U.S. Census Bureau data.
What is the cost of living in Stephens County?
The estimated cost of living in Stephens County, GA is approximately $2,612 per month for a single person, $3,847 for a couple, $6,209 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.
What is the sales tax rate in Stephens County?
The combined sales tax rate in Stephens County, GA is 7.38%, which includes the Georgia state rate of 4.00% plus an average local rate of 3.38%.
Is Stephens County an affordable place to live?
Based on the data, a single person in Stephens County, GA would need approximately $2,612 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $52,264 per year ($4,355 per month). Stephens County has a moderate cost of living relative to local earnings.
How much does healthcare cost in Stephens County?
The ACA marketplace benchmark premium in Stephens County, GA is approximately $480 per month for an individual. Approximately 13.5% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.
What are house prices in Stephens County?
The average home value in Stephens County, GA is $168,200, with average annual property taxes of $1,396, according to U.S. Census Bureau data.
How does Stephens County compare to other areas?
You can compare Stephens County, GA with any other US county using our comparison tool at /compare. Stephens County is in the Toccoa, GA metro area.
Other counties in Georgia
Browse the full list of counties in Georgia, ranked by cost of living.
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About this data
All figures on this page come from official U.S. government sources, listed below.
- HUD FMR FY2025
- ACS 2019-2023 5-Year
- EIA
- ACS + national avg
- ACS
- USDA + BEA RPP