[4] McCaysville is located along the northern border of Fannin County and the state of Georgia at 34°58′54″N 84°22′13″W / 34.98167°N 84.37028°W / 34.98167; -84.37028 (34.981534, -84.370293).

The change takes place in the middle of town at the state line, which runs diagonally relative to the street grid, which is aligned with the river rather than the border.

Georgia State Route 5 crosses the Toccoa River and leads south 11 miles (18 km) to Blue Ridge, the Fannin County seat.

[6] In the early morning hours of February 16, 1990, a massive flood struck the towns.

McCaysville's weather is temperate due to its elevation and location in the southern Appalachians.

Rainfall is abundant with the yearly average approaching 67 inches and occurring on 127 days.

Snowfall usually occurs on several occasions during the winter months and can range from a light dusting to the occasional significant storm.

As of the 2020 United States census, there were 1,149 people, 605 households, and 320 families residing in the city.