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.
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Why people love it here
$160K median
- Based on 3yr sales
Conventional Mortgage Calculator
Median home price in Toma Acres
Estimated Monthly Payment
$1,086/mo
Property tax and insurance are estimates you can edit — not a quote. Tap either figure to enter your own.
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. Your actual rate, payment, and costs may vary. Contact a loan officer for a personalized quote.
Guild Mortgage NMLS #3274. Equal Housing Opportunity. NMLS Consumer Access. Not a commitment to lend. All loans subject to underwriter approval; terms and conditions may apply. Subject to change without notice. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction.
To buy a median-priced Toma Acres home (around $160,000) at today's 6.65% 30-year fixed rate with 20% down, you'd need roughly $29k/year in household income to qualify — an estimated monthly payment of $1,078 (principal, interest, property tax est., and insurance).
| Down payment | Monthly payment | Income needed |
|---|---|---|
| 20% | $1,078/mo | $28,739 |
| 10% (+PMI) | $1,240/mo | $33,078 |
| 5% (+PMI) | $1,295/mo | $34,537 |
Estimates use a 6.65% 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 a commitment to lend, and not an APR — 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
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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.
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