Valley, AL—36854
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Valley, AL
As of Oct '25, the median home price in Valley, AL is $172,000, with a year-over-year change of 2.5%. This indicates that home prices in Valley, AL are increasing. According to Zillow, the 1-year price projection is 1.6%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $172,000 | 2.5% |
| Single Family | $170,000 | 1.8% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $148,000 | 5.0% |
3 Bed | $220,000 | 4.3% |
4 Bed | $303,000 | 3.4% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Valley, AL
As of July '25, Rentcast reports the average rent in Valley, AL is $1,160, with a year-over-year rent change of 1.8%. Per bedroom, the median rent as of July '25 in Valley, AL is 2-bedrooms: $1,030, 3-bedrooms: $1,060, 4-bedrooms: $1,850. The most common rental property sizes in Valley, AL are 2-bedroom and 3-bedroom, accounting for 41.9% and 30.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,020 | $1,160 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $970 | $1,030 |
| 3 Bed Rent | $1,020 | $1,060 |
| 4 Bed Rent | $1,850 | $1,850 |
% of Rental Stock
Property Listings — Valley, AL
As of Oct '25, Realtor.com reports that the median days on market for a home in Valley, AL is 52. This is a decrease of -16.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 19.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $280,000 | 9.0% |
Listing Count | 74 | -21.0% |
| Listings as % of Homes | 0.7% | -21.0% |
Days on Market | 52 | -16.0% |
Demographics — Valley, AL
As of the latest ACS Survey released in 2023, Valley, AL has a population of 15,900, which has remained stable by -0.8% over the past 5 years. Valley, AL is a moderately popular place for families, as children make up 20.9% of the population. The area has a poorly educated workforce, with 18.8% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 3.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 15,900 | -0.8% |
% Under 18 | 20.9% | -17.1% |
% Seniors | 16.6% | 9.2% |
% WFH | 3.5% | 191.7% |
% w/ College Degree | 18.8% | 13.3% |
As of the latest ACS Survey released in 2023, Valley, AL is a predominantly white area, with 66.6% of the population identifying as white. The white population has shrunk by 2.5% in the last 5 years. The second most common race or ethnicity in Valley, AL is black, making up 28.5% of the population. Foreign-born residents account for 2.9% of the population in Valley, AL, and this percentage has increased by 61.1% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 66.6% | -2.5% |
% Black | 28.5% | 5.9% |
% Hispanic | 1.9% | -24.0% |
% Asian | 1.0% | -37.5% |
% Foreign Born | 2.9% | 61.1% |
Mortgage and Risk — Valley, AL
According to HUD data as of 2023, there were 250 mortgage originations in Valley, AL, of which 56.0% of loans were conventional mortgages. The average loan-to-value was 76.0%, with 46.0% above 90% LTV (very high). This implies large mortgage risk in Valley, AL. Investor activity is low, as 2.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 250 |
% Conventional Loans | 56.0% |
% Government Loans | 44.0% |
% Investor Loans | 2.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Valley, AL
Valley, AL lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 121 |
Total Units Section 8 | 72 |
% Rentals under Section 8 | 3.5% |
% Occupied Section 8 | 91.1% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $890 |
| 2 Bedroom | $160 | $970 | $1,130 |
| 3 Bedroom | $390 | $1,020 | $1,410 |
| 4 Bedroom | -$330 | $1,850 | $1,520 |
Affordability — Valley, AL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.6 |
| Median Home Price | $172,000 |
| Median Household Income | $60,400 |