A typical Toby home is worth roughly $108,000
Builders were permitted 1 new home in 2025.
What kind of housing town is Toby?
Read from the numbers below. The page puts what stands out first.
A typical home costs 1.5 years of income
Less than across Pennsylvania (3.7 years). Try your own numbers below.
That covers a typical Toby home, with $157K to spare.
A two-bedroom rents for about $970 a month here, $300 more than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, Toby’s typical property tax (1.22% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.
84% of Toby households own their home
Half of Toby’s homes were built before 1955.
Pennsylvania: 69% own.
U.S. Census Bureau, American Community Survey 2020-2024.
A two-bedroom rents for about $970
Renters already here pay a median of $693, so moving in tends to cost more than staying put.
Fair Market Rent a month, utilities included
U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Clarion County, PA): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
1 new home permitted in 2025
Builders were permitted 1 new home in Toby in 2025. That's 0.9 per 1,000 residents, slower than across Pennsylvania (2). Over the past 10 years, Toby has permitted 6 homes in all.
Between the 2010 and 2020 censuses, Toby's population fell by 9 even though 10 new homes were permitted. Homes are holding fewer people: households are getting smaller, or more homes are used part of the year. Across Pennsylvania: 1.4 new residents per new home.
Every year as a table
| Year | New homes | Single-family | 2+ per building | Value |
|---|---|---|---|---|
| 2026 (Jan–Aug) | 0 | 0 | 0 | — |
| 2025 | 1 | 1 | 0 | $232,000 |
| 2024 | 0 | 0 | 0 | — |
| 2023 | 0 | 0 | 0 | — |
| 2022 | 0 | 0 | 0 | — |
| 2021 | 3 | 3 | 0 | $778,000 |
| 2020 | 0 | 0 | 0 | — |
| 2019 | 0 | 0 | 0 | — |
| 2018 | 0 | 0 | 0 | — |
| 2017 | 1 | 1 | 0 | $246,000 |
| 2016 | 1 | 1 | 0 | $246,000 |
| 2015 | 1 | 1 | 0 | $227,000 |
| 2014 | 1 | 1 | 0 | $211,000 |
| 2013 | 4 | 4 | 0 | $773,000 |
| 2012 | 1 | 1 | 0 | $184,000 |
| 2011 | 1 | 1 | 0 | $173,000 |
| 2010 | 0 | 0 | 0 | — |
| 2009 | 0 | 0 | 0 | — |
| 2008 | 0 | 0 | 0 | — |
| 2007 | 1 | 1 | 0 | $171,000 |
| 2006 | 2 | 2 | 0 | $342,000 |
| 2005 | 4 | 4 | 0 | $201,000 |
| 2004 | 5 | 5 | 0 | $251,000 |
| 2003 | 5 | 5 | 0 | $251,000 |
| 2002 | 5 | 5 | 0 | $251,000 |
| 2001 | 5 | 5 | 0 | $464,000 |
| 2000 | 2 | 2 | 0 | $160,000 |
Homes authorized by building permits, counted in the year the permit was issued. U.S. Census Bureau, Building Permits Survey.
Toby vs. its neighbors
Toby is the 3rd least expensive of 6 neighboring towns. Tap one to see its housing page.
Compare more
Typical value: Zillow Home Value Index; * Census median home value where Zillow has none. † FHFA price index change where Zillow has none. Rent: HUD Fair Market Rent. New homes: Census building permits.
Neighbors talk housing
What Toby buyers, sellers and renters are saying.
Your answer becomes a post in Town Square.
Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. New homes: U.S. Census Bureau, Building Permits Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. Listings link to their publishers. The calculator is an estimate, not a loan offer.