Looking for homes for sale in Toney, AL? Whether you’re relocating, investing, or buying your first home, Toney is quickly becoming one of North Alabama’s most desirable real estate markets. Houses for sale in Toney, AL deliver unmatched value in today’s housing landscape. This is because of the affordable pricing, larger lots, and proximity to Huntsville.
In this in-depth guide, we will explore Toney’s housing market, neighborhoods, pricing, and investment opportunities. We will also discuss what to expect when buying in this fast-growing area.
Why Toney, AL Is a Smart Place to Buy in 2025
Toney is located in Madison County, and it is just 20–25 minutes north of Huntsville. Huntsville is one of the fastest-growing tech hubs in the Southeast. But unlike Huntsville, Toney offers:
- Lower home prices and property taxes
- Spacious yards and land availability
- Peaceful living with rural charm
- Easy commuting to city jobs and Redstone Arsenal
- Strong rental demand from military, tech workers, and remote professionals
With demand rising and inventory still affordable, buying now in Toney can lock in equity and rental income before prices climb further.
What Types of Homes Are for Sale in Toney, AL?
The Toney housing market offers a wide range of options for all buyer types:
- Single-family homes in newer subdivisions
- Fixer-uppers and older ranch-style homes (1980s–2000s)
- Homes with acreage—1 to 5+ acres for privacy or hobby farming
- New construction homes with energy-efficient features
- Mini-estates or multi-family opportunities for investors
Most houses for sale in Toney come with 3–4 bedrooms, 2–3 bathrooms, a garage, and a large yard. They are perfect for families, retirees, and long-term rental strategies.
Top Neighborhoods in Toney, AL
Here are some of the most popular and emerging neighborhoods where buyers are landing great deals:
Inspiration Point
Family-friendly subdivision with modern 3–5 bedroom homes. Near Hwy 53, ideal for commuters.
Mimosa Acres
Spacious older homes with room to upgrade. Great rental potential or BRRRR deals for investors.
Toney Acres
Minimal HOA, large lots, and a great choice for buyers who value privacy and freedom.
Pulaski Ridge Estates
New construction and custom builds are going up—expect modern interiors and curb appeal.
Whispering Pines
Quiet community with a mix of brick ranch homes and newer builds. Great for first-time buyers.
What You Can Buy at Every Price Range
Want to know what your budget gets you in Toney?
| Price Range | What You Can Expect |
| $190K-$250K | 3BR starter home, older but move-in-ready |
| $250K-$300K | 3-4BR homes with updated kitchen, fenced yards |
| $300K-$400K | New construction, acre lots, or larger floor plans |
| $400K+ | Custom homes on 2+ acres, potentially for multi-family |
Compared to surrounding cities, Toney gives you more house for less money with room to grow.
Toney Market Trends (2025)
Let’s look at what the numbers say about buying in Toney right now:
- 📊 Median Home Price: $260,000
- 📉 Property Tax Rate: ~0.35% (very low)
- 🏡 Rental Yield: 7–9% in key areas
- 🕒 Days on Market: 28–35
- 📈 YoY Price Growth: +7.8%
The market is active but not overheated. That’s a sweet spot for buyers and investors alike.
Toney vs. Nearby Cities: Which Offers Better Value?
City | Median Home Price | Avg. Lot Size | Rental Demand | Commute to Huntsville |
Toney | $260,000 | 0.5–1 acre | High | 20–25 mins |
Harvest | $310,000 | 0.3 acre | High | 20–30 mins |
Hazel Green | $270,000 | 0.4 acre | Moderate | 25–30 mins |
Athens | $320,000 | 0.25 acre | High | 30–40 mins |
Toney gives you space, value, and strong appreciation potential—without the inflated Huntsville prices.
Local Economy & Job Drivers
Toney’s appeal is tied to the booming Huntsville job market:
- Redstone Arsenal: Federal/military demand fuels long-term renters
- Cummings Research Park: STEM & aerospace growth spills into surrounding cities
- Tech Companies: New startups and remote-friendly firms increase relocation to Toney
- Retail & Logistics: Growing employment in North Madison County
The stable economy supports both buyers and landlords.
Buying Your First Home in Toney? Start Here.
If you're a first-time buyer, Toney makes it easy to break into the market. Why?
- Lower entry price than Huntsville
- Qualifies for USDA financing in most areas (zero down)
- FHA, VA, and conventional loans are common
- Less competition = better negotiation power
- Perfect for families who want space and schools
If you’re buying with the intent to house-hack or live on one side of a duplex. Toney zoning allows flexibility in many areas.
Financing Options Available in Toney
Toney is eligible for multiple financing programs, including:
- FHA Loans (3.5% down)
- VA Loans (0% down for eligible veterans)
- USDA Loans (0% down in eligible rural areas, and Toney qualifies)
- Conventional Loans with competitive rates
Most buyers pair with a local lender familiar with the area. Pre-approval is key before shopping.
Real Estate Investment in Toney: Why It Works
Toney is a hidden gem for investors who want strong ROI without city headaches:
- Lower purchase prices = stronger cash flow.
- Tenant demand from the military, medical, tech, and schools.
- Minimal landlord restrictions.
- 12-month leases and long-term tenants are common.
- Short-term rentals (with proper setup) are allowed in many areas.
Sample ROI (Real Deal):
- Purchase Price: $230,000
- Rent: $1,675/month
- Annual Income: $20,100
- Expenses (Mgmt + Tax + Repairs): $5,900
- Net ROI: ~6.2% (with upside on appreciation)
Click here to learn more about Toney Property Management
Step-by-Step Guide to Buying a Home in Toney
Here’s how to approach buying in this market:
Get Pre-Approved
Know your buying power and loan options.
Hire a Local Agent
Work with someone who knows Toney’s neighborhoods and comps.
Tour Homes with Flexibility
Homes sell quickly—be ready to move fast.
Submit a Competitive Offer
Include pre-approval and make a clean deal.
Complete Inspections
Focus on the roof, septic, and HVAC, especially.
Close with Confidence
Review disclosures, finalize financing, and get the keys!
Utilities, Schools & Local Info in Toney, Alabama
Utilities
Water: Madison County Water Authority
- Electricity: Huntsville Utilities
- Internet: Fiber & cable available (Xfinity, Spectrum, WOW!)
Schools
- Madison Crossroads Elementary
- Sparkman Middle & High School
- Private & homeschool options available nearby
Community Amenities
- Short drive to Harvest Square Preserve
- Local farmers’ markets & shops
- Less traffic, more peace and privacy
FAQs: Homes for Sale in Toney, AL
Is Toney a good place to live?
Yes. It's peaceful, safe, affordable, and growing fast.
Are there homes with land in Toney?
Yes. Many properties come with 1–5+ acres, especially outside subdivisions.
Is now a good time to buy in Toney?
Yes. Prices are rising steadily, but the area still offers exceptional value.
Can I rent out a home in Toney?
Definitely. Rental demand is strong, and investor-friendly laws support landlords.
What’s the average home size in Toney?
Most homes are 1,500–2,500 sq. ft., with 3–4 beds and 2+ baths.
Ready to Find Your Home in Toney, AL?
Whether you're buying a forever home or your next investment homes, Toney, AL offers space, value, and potential. Stutts Properties is a local expert with a vast network across Toney and the entire North Alabama’s. We can help you find valuable properties with the fastest-growing opportunities.
You can call us for a list of available homes for sale in Toney, Alabama: +1 256-757-5525
📩 Need help managing your rental? Ask about our Toney property management services
Let’s find your perfect home—and protect your investment from day one.
