Valley City, OH—44280
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Valley City, OH
As of Oct '25, the median home price in Valley City, OH is $475,000, with a year-over-year change of 4.8%. This indicates that home prices in Valley City, OH are increasing. According to Zillow, the 1-year price projection is 2.2%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $475,000 | 4.8% |
| Single Family | $477,000 | 5.1% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $267,000 | 1.9% |
3 Bed | $432,000 | 4.6% |
4 Bed | $551,000 | 5.8% |
| 5 Bed | $600,000 | 4.7% |
% of Housing Stock
Rental Trends — Valley City, OH
As of July '25, Rentcast reports the average rent in Valley City, OH is $1,860, with a year-over-year rent change of -8.4%. Per bedroom, the median rent as of July '25 in Valley City, OH is 2-bedrooms: $1,860. The most common rental property sizes in Valley City, OH are 2-bedroom and 5+ bedroom, accounting for 46.8% and 36.5% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,860 | $1,860 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $1,860 | $1,860 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Valley City, OH
As of Oct '25, Realtor.com reports that the median days on market for a home in Valley City, OH is 65. This is a decrease of -4.0% 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 22.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $615,000 | 11.0% |
Listing Count | 9 | 9.0% |
| Listings as % of Homes | 0.6% | 9.0% |
Days on Market | 65 | -4.0% |
Demographics — Valley City, OH
As of the latest ACS Survey released in 2023, Valley City, OH has a population of 5,370, which has increased by 15.8% over the past 5 years. Valley City, OH is a moderately popular place for families, as children make up 19.6% of the population. The area has a moderately educated workforce, with 37.7% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 12.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 5,370 | 15.8% |
% Under 18 | 19.6% | 12.6% |
% Seniors | 21.8% | -1.4% |
% WFH | 12.9% | 180.4% |
% w/ College Degree | 37.7% | 35.6% |
As of the latest ACS Survey released in 2023, Valley City, OH is a predominantly white area, with 96.6% of the population identifying as white. The white population has shrunk by 0.7% in the last 5 years. The second most common race or ethnicity in Valley City, OH is black, making up 0.6% of the population. Foreign-born residents account for 1.7% of the population in Valley City, OH, and this percentage has decreased by 29.2% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 96.6% | -0.7% |
% Black | 0.6% | 100.0% |
% Hispanic | 0.0% | -100.0% |
% Asian | 0.0% | N/A |
% Foreign Born | 1.7% | -29.2% |
Mortgage and Risk — Valley City, OH
According to HUD data as of 2023, there were 125 mortgage originations in Valley City, OH, of which 94.0% of loans were conventional mortgages. The average loan-to-value was 46.0%, with 7.0% above 90% LTV (normal). This implies small mortgage risk in Valley City, OH. 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 | 125 |
% Conventional Loans | 94.0% |
% Government Loans | 6.0% |
% Investor Loans | 2.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Valley City, OH
Valley City, OH lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | N/A |
Total Units Section 8 | N/A |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,490 |
| 2 Bedroom | -$50 | $1,860 | $1,810 |
| 3 Bedroom | N/A | N/A | $2,330 |
| 4 Bedroom | N/A | N/A | $2,500 |
Affordability — Valley City, OH
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.7 |
| Median Home Price | $475,000 |
| Median Household Income | $111,000 |