Valley Mills, TX—76689
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Valley Mills, TX
As of Oct '25, the median home price in Valley Mills, TX is $319,000, with a year-over-year change of 1.6%. This indicates that home prices in Valley Mills, TX are increasing. According to Zillow, the 1-year price projection is 0.7%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $319,000 | 1.6% |
| Single Family | $319,000 | 0.9% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $271,000 | -0.4% |
3 Bed | $353,000 | 0.3% |
4 Bed | $494,000 | 2.1% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Valley Mills, TX
Valley Mills, TX lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,180 | $1,060 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $445 | $585 |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $1,250 | $1,380 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Valley Mills, TX
As of Oct '25, Realtor.com reports that the median days on market for a home in Valley Mills, TX is 110. This is a increase of 5.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 20.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $509,000 | 24.0% |
Listing Count | 20 | -6.0% |
| Listings as % of Homes | 0.7% | -6.0% |
Days on Market | 110 | 5.0% |
Demographics — Valley Mills, TX
As of the latest ACS Survey released in 2023, Valley Mills, TX has a population of 4,420, which has increased by 31.6% over the past 5 years. Valley Mills, TX is a popular place for families, as children make up 28.3% of the population. The area has a poorly educated workforce, with 20.3% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,420 | 31.6% |
% Under 18 | 28.3% | 9.7% |
% Seniors | 14.1% | -34.1% |
% WFH | 5.4% | 42.1% |
% w/ College Degree | 20.3% | -15.8% |
As of the latest ACS Survey released in 2023, Valley Mills, TX is a predominantly white area, with 78.8% of the population identifying as white. The white population has grown by 1.2% in the last 5 years. The second most common race or ethnicity in Valley Mills, TX is hispanic, making up 18.2% of the population. Foreign-born residents account for 6.1% of the population in Valley Mills, TX, and this percentage has decreased by 7.6% 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 | 78.8% | 1.2% |
% Black | 0.7% | -41.7% |
% Hispanic | 18.2% | -4.2% |
% Asian | 0.0% | N/A |
% Foreign Born | 6.1% | -7.6% |
Mortgage and Risk — Valley Mills, TX
According to HUD data as of 2023, there were 43 mortgage originations in Valley Mills, TX, of which 72.0% of loans were conventional mortgages. The average loan-to-value was 69.0%, with 30.0% above 90% LTV (very high). This implies large mortgage risk in Valley Mills, TX. 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 | 43 |
% Conventional Loans | 72.0% |
% Government Loans | 28.0% |
% Investor Loans | 2.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Valley Mills, TX
Valley Mills, TX 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 | $505 | $445 | $950 |
| 2 Bedroom | N/A | N/A | $1,220 |
| 3 Bedroom | $390 | $1,250 | $1,640 |
| 4 Bedroom | N/A | N/A | $1,740 |
Affordability — Valley Mills, TX
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4 |
| Median Home Price | $319,000 |
| Median Household Income | $76,200 |