Typical home value from Zillow, September 2021 to September 2026: from $150,103 to $177,373.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Valley is in Chambers County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Chambers County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Roanoke, the typical rent is $666: 34% less than in Valley ($1,016).
2
Nearby, in Lanett, the typical home value is $95,600: 32% less than in Valley ($140,800).
3
The typical rent in Valley is $1,016 a month, 17% more than in Chambers County as a whole ($871).
4
7% of households in Valley have no internet at home (16% in Chambers County).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Valley
What homes there are in Valley, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Valley
Chambers County
Alabama
United States
Kind of home: Valley and its comparisons
Measure
Valley
Chambers County
Alabama
United States
Detached house
70%
71%
69%
61%
Attached house
Unreliable estimate
Unreliable estimate
2%
6%
Building of 2 to 4
Unreliable estimate
4%
5%
8%
Apartments (5 or more)
Unreliable estimate
10%
12%
19%
Mobile home
Unreliable estimate
14%
12%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Chambers County, most homes in Valley are detached houses (70%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Valley
Chambers County
Alabama
United States
Year built: Valley and its comparisons
Measure
Valley
Chambers County
Alabama
United States
Before 1960
33%
28%
16%
26%
1960–1979
20%
23%
26%
24%
1980–1999
19%
27%
29%
25%
2000–2009
16%
13%
15%
14%
2010 or later
14%
10%
13%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitCould be either sideUnreliable estimate
Under $100K33%
$100K–$200K41%
$200K–$300K18%
$300K–$500K8%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Valley and its comparisons
Measure
Valley
Under $100K
33%
$100K–$200K
41%
$200K–$300K
18%
$300K–$500K
8%
$500K–$750K
Unreliable
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
With an FHA limit of $541,287, at least 99% of owner-occupied homes in Valley sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99941%
$1,000–$1,49941%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Valley and its comparisons
Measure
Valley
Under $500
Unreliable estimate
$500–$999
41%
$1,000–$1,499
41%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,130 a month
Chambers County: $1,135 a month
Without a mortgage
$421 a month
Chambers County: $407 a month
Owners with a mortgage
53%
Chambers County: 45%
In Valley, 53% of owners have a mortgage; their typical cost is $1,130 a month, about the same as in Chambers County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Valley+59%
Chambers County+40%
Alabama+47%
United States+53%
Typical rent
Valley+27%
Chambers County+16%
Alabama+27%
United States+33%
Typical household income
ValleyNo clear change
Chambers County+17%
Alabama+27%
United States+29%
Change since 2015–2019: Valley and its comparisons
Measure
Valley
Chambers County
Alabama
United States
Typical home value
+59%
+40%
+47%
+53%
Typical rent
+27%
+16%
+27%
+33%
Typical household income
No clear change
+17%
+27%
+29%
Since 2015–2019, homes in Valley gained value faster than in Chambers County: 59% against 40%.
Rents in Valley rose faster than in Chambers County: 27% since 2015–2019, against 16%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Valley and its comparisons
Measure
Valley
Chambers County
Alabama
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
7.2%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
3.7%
1.7%
3.4%
People per household
2.57
2.50
2.48
2.53
Drive alone
86%
85%
81%
69%
Carpool
9%
8%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
1%
3%
Work from home
5%
4%
9%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Much as in Chambers County, a household in Valley has 2.57 people on average.
To get to work, 86% of workers in Valley drive alone; in Chambers County, 85%.
Do the math
What would you pay each month for a home in Valley?
A typical home is within reach of the typical income
We start with a typical home in Valley, worth $140,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Valley, which is $51,661 a year.
The calculator's FHA and conventional loan limits are those of all of Chambers County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Valley. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $4,928 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,100
at 7.18% · 30 years
Loan amount
$138,250
Total interest
$198,909
Paid off in
November 2056
Includes $2,378 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,205 a month
Your payment · 26%
Tight
$1,205 to $1,550 a month
Hard
more than $1,550 a month
Compared with the typical household income in Valley ($51,661 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$937
Property tax
$42
Home insurance
$59
FHA mortgage insurance (MIP)
$62
You need at least $4,928 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $1,100; principal and interest $937.
The city and its county
Valley and Chambers County
Valley is in Chambers County, Alabama. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Valley
Map of Chambers County, Alabama, with Valley marked. Around it, the neighboring counties.
Valley
Chambers County
Other cities with a page
Valley's own numbers
Typical home value
$140,800
Typical monthly rent
$1,016
Typical yearly household income
$51,661
Households that own their home
67%
Effective property tax rate
0.36%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Chambers County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,091
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
0.9%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Chambers County.
A typical home in Valley is worth $140,800: 4% above the county and 33% below Alabama. With the typical household income in Valley ($51,661 a year), a typical home costs 2.7 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Valley2.7 years
Chambers2.7 years
Alabama3.3 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Chambers County
According to FHFA’s house price index, home prices in Chambers County rose 78% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Chambers County.
Yearly change in FHFA’s price index in Chambers County, 2016 to 2025
2016: +8.8% +8.8% 2016
2017: −5.5% −5.5% 2017
2018: +6.6% +6.6% 2018
2019: +6.2% +6.2% 2019
2020: +3.1% +3.1% 2020
2021: +10.4% +10.4% 2021
2022: +15.0% +15.0% 2022
2023: +12.7% +12.7% 2023
2024: +1.5% +1.5% 2024
2025: +2.3% +2.3% 2025
Change in FHFA’s price index in Chambers County, Alabama and the United States
Period
County
Alabama
U.S.
Last year (2025)
+2.3%
+2.5%
+2.9%
5 years (2020–2025)
+49%
+47%
+47%
10 years (2015–2025)
+78%
+77%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Valley next to Chambers County, Alabama and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Valley$140,800
Chambers$135,800
Alabama$209,900
United States$332,700
Typical monthly rent
Valley$1,016
Chambers$871
Alabama$1,007
United States$1,413
Typical yearly household income
Valley$51,661
Chambers$49,656
Alabama$63,999
United States$80,734
See the full table
Valley next to Chambers County and Alabama
Measure
Valley
Chambers County
Alabama
U.S.
Typical home value
$140,800 ▲4% above the county
$135,800
$209,900
$332,700
Typical monthly rent
$1,016 ▲17% above the county
$871
$1,007
$1,413
Typical yearly household income
$51,661 ▲4% above the county
$49,656
$63,999
$80,734
Households that own their home
67% ▼4 points below the county
72%
70%
65%
Typical yearly property tax
$509 ▼3% below the county
$523
$788
$3,119
Effective property tax rate
0.36% ▼0.03 points below the county
0.39%
0.38%
0.94%
Renters with high rent for their income
45% ▼2 points below the county
47%
49%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Chambers County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Valley
For a typical $140,800 home in Valley, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Valley's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,100a month
Least cash to close
Down payment
$4,928
Cash to close
$9,152
Rate
7.18%
Mortgage insurance
FHA MIP · $62
Conventional, 5% down$1,074a month
Down payment
$7,040
Cash to close
$11,264
Rate
7.18%
Mortgage insurance
PMI · $67
Conventional, 20% down, no PMI$864a month
Down payment
$28,160
Cash to close
$32,384
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$994a month
Down payment
$21,120
Cash to close
$25,344
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Valley
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,100
$4,928
$138,250
7.18%
FHA MIP · $62
$9,152
580
Conventional, 5% down
$1,074
$7,040
$133,760
7.18%
PMI · $67
$11,264
620*
Conventional, 20% down, no PMI
$864
$28,160
$112,640
7.18%
None
$32,384
620*
ITIN, 15% down (example)
$994
$21,120
$119,680
8.18%
None
$25,344
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Valley is $1,016 a month: 17% above the county. In Valley, 45% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Chambers County, by unit size. To pay the 2-bedroom one ($1,091 a month) without spending more than 30% of your income, you would need to earn $20.98 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Chambers County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$760
$14.62
$30,400
1 bedroom
$967
$18.60
$38,680
2 bedrooms
$1,091
$20.98
$43,640
3 bedrooms
$1,401
$26.94
$56,040
4 bedrooms
$1,434
$27.58
$57,360
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Valley
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Valley is in ZIP code 36854.
For 2 bedrooms it is $1,280: $189 more than the fair market rent for Chambers County ($1,091).
Fair market rent by ZIP code and size in Valley, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
36854
$900
$1,150
$1,280
$1,630
$1,710
ZIP code2 bd3 bd
36854 $1,280$1,630
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Valley when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 4 buildings with rents for lower incomes in Valley. These are the largest.
Valley Senior Village2107 40th St, Valley 3685456 low-income homes · In service since 2020
Sylvia Word Manor1901 35th St, Valley 3685450 low-income homes · For older adults(334) 768-2424
Valley Ha10A Boyd Cir, Valley 3685451 homes, 49 low-income · Run by Housing Authority of the City of Valley · Average payment: $334 a month(334) 756-9354
Fords Mill Apts2009 40th St, Valley 3685448 low-income homes · 1 bd: 12 · 2 bd: 24 · 3 bd: 12 · In service since 2011 · For people with disabilities, families
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Chambers County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Valley or Chambers County. The ones below are statewide in Alabama: they work in Valley the same as in the rest of the state.
Alabama state authority program with down payment assistance of 4% of the price (up to $10,000) as a 10-year second mortgage, alongside a 30-year fixed mortgage.Offered by Alabama Housing Finance Authority (AHFA).
Alabama state authority 30-year low-rate mortgage, for first-time buyers and for people who have owned a home before, with down payment assistance of 4% of the price, up to $10,000, as a ten-year second mortgage.Offered by Alabama Housing Finance Authority (AHFA).
Alabama state authority grant for closing costs with an HFA Advantage conventional loan: 1% of the loan if you earn up to 50% of the area median, or half a percent if you earn 50% to 80%.Offered by Alabama Housing Finance Authority (AHFA).
No legal help resource on our list is for Valley or Chambers County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Valley and all of Chambers County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Valley?
The typical home value in Valley is $140,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Chambers County it is $135,800.
How much does it cost to rent in Valley?
Typical rent in Valley is $1,016 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Chambers County is $1,091.
What is the FHA loan limit in Valley?
Valley uses the FHA limit for all of Chambers County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Valley?
The typical homeowner in Valley pays $509 a year, according to the U.S. Census Bureau. That is 0.36% of the home’s value; in Chambers County, the rate is 0.39%.
Where can I find free help to buy or rent in Valley?
We found no HUD-approved counseling agencies with an office in Chambers County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
