Toma Acres
Solid value in a growing area
Median $160K
If someone asks where you're headed, just say you're going fishing—because that's really what this area is about. Set back on quiet roads lined with pines and hardwoods, the neighborhood sits within easy reach of the Little Manistee River and borders thousands of acres of Manistee National Forest. Properties here run from one to two acres, giving you actual land and privacy; most homes are older cabins and modest ranch-styles, the kind of place where a wood stove and a covered porch are features, not afterthoughts.
Why people love it here
$160K median
- Based on 3yr sales
Mortgage Calculator
Median home price in Toma Acres
Estimated Monthly Payment
$1,086/mo
The interest rate shown is not an annual percentage rate (APR). Rate displayed is the current average 30-year fixed rate from the Freddie Mac Primary Mortgage Market Survey and is subject to change without notice. This is not a commitment to lend or an offer of credit. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.
Guild Mortgage NMLS #3274. Equal Housing Lender. NMLS Consumer Access
Crime in Toma Acres is reported at the city level, not the neighborhood level. The FBI doesn't publish reliable crime rates for individual neighborhoods, and within any community crime varies street to street. For an accurate, comparable picture, see the jurisdiction-wide figures for Lake County.
Lake County crime & safety stats →To buy a median-priced Toma Acres home (around $160,000) at today's 6.43% 30-year fixed rate with 20% down, you'd need roughly $28k/year in household income to qualify — an estimated monthly payment of $1,059 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,059/mo | $28,244 |
| 10% (+PMI) | $1,220/mo | $32,522 |
| 5% (+PMI) | $1,273/mo | $33,949 |
Estimates use a 6.43% 30-year fixed rate (current Freddie Mac average), an aggressive ~45% housing-to-income ratio (roughly what FHA underwriting can allow for a buyer with no other monthly debts — your number depends on your debts and credit), this area's median sale price, plus estimated insurance and PMI below 20% down. Not an APR or a commitment to lend — your actual rate and payment will vary.
Flood Risk
None
Not in flood zone
Nearest Park
Unnamed park
0.3 mi
Parks Nearby
5
within 1 mile
☕ Coffee(1)
Sweetfern Cafe & Emporium, Inc
Café
Frequently asked about Toma Acres
- What do homes cost in Toma Acres?
- The median home value in Toma Acres is about $160,000. Individual prices vary by street, size, and condition.
- How active is the Toma Acres housing market?
- there is 1 home for sale in Toma Acres right now. Listings refresh throughout the day from the MichRIC MLS.
Top contributors in Toma Acres
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