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Valley city, AL

ZIP 36854 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 36854

Median Home Value
$146,300
Median Rent
$825
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$940/mo PITI).

16%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.8 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 36854 in Valley city, AL, a household would need roughly $40,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $940. That sits below the local median household income ($60,385), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
68.8%+5% vs US avg
x
Vacancy Rate
19.6%+91% vs US avg
x
Broadband Access
87.8%+1% vs US avg
x
4+ Bedrooms
2.0%-87% vs US avg
x
Built Pre-1939
4.3%-66% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
17.6%-65% vs US avg
x
Mortgage-Free
44.1%+15% vs US avg
x
$146,300
Home Value
$825
Rent
1988
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached60.9%
  • 1-unit attached0.1%
  • 2-9 units9.2%
  • 10+ units12.5%
  • Mobile home & other17.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$146,300
Median rent$825
Owner-occupied68.8%
Vacant19.6%
Price-to-income2.4x
Est. income to buy$40,000