HomeAlabamaChambers CountyValley
Valley, Alabama: commercial real estate data.
Valley is a Census city of 10,277 people across 12.89 square miles of land, in Chambers County. Median household income is $51,661, 67.5 percent of occupied homes are owned, and the SBA record carries 10 7(a) approvals to borrowers here worth $3.4 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Valley
What Valley is
- Census place typecity
- Land area12.89 sq mi
- Water area0 sq mi
- Population per square mile of land797
- County holding the largest share of its areaChambers County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Valley
How many people live in Valley
- Population10,277
- Median age34.1
- Population under 182,513
- Share under 1824.5 percent
- Population 65 and over1,645
- Share 65 and over16.0 percent
- Households3,954
- Family households2,709
- Share of households that are families68.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Valley
Income and work in Valley
- Median household income$51,661
- Per capita income$26,070
- Civilian labor force4,633
- Employed4,472
- Unemployed161 plus or minus 122
- Unemployment rate3.5 percent plus or minus 2.6
- Adults 25 and over6,650
- Adults 25 and over with a high school diploma or higher83.7 percent
- Adults 25 and over with a bachelor degree or higher17.1 percent plus or minus 4.8
- Adults 25 and over with a graduate degree7.7 percent plus or minus 3.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Valley
Housing in Valley
- Housing units4,795
- Occupied units3,954
- Vacant units841 plus or minus 243
- Vacancy rate17.5 percent plus or minus 5.0
- Owner occupied2,668
- Renter occupied1,286
- Ownership rate67.5 percent
- Median owner-occupied home value$140,800
- Median gross rent, monthly$1,016
- Annual rent as a share of median income23.6 percent
- Single family units3,356
- Share single family70.0 percent
- Units in buildings of two or more1,258 plus or minus 360
- Share in buildings of two or more26.2 percent plus or minus 7.4
- Mobile homes181 plus or minus 123
- Median year structure built1978
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Valley
How Valley gets to work
- Workers 16 and over who commute4,231
- Commuting under 15 minutes1,484 plus or minus 358
- Share commuting under 15 minutes35.1 percent plus or minus 7.8
- Commuting 30 minutes or more1,284 plus or minus 323
- Share commuting 30 minutes or more30.3 percent plus or minus 7.1
- Drove alone85.8 percent
- Carpooled8.6 percent plus or minus 3.4
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home4.5 percent plus or minus 1.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Valley
SBA loans in Valley (7(a))
- Approvals10
- Gross approval$3,412,700
- Average approval$341,270
- Median approval$292,500
- Largest approval$1,158,000
- Jobs supported297
- Jobs per approval29.7
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more30.0 percent
- Share to franchises20.0 percent
- Distinct lenders10
- Distinct industries by NAICS10
Counted by borrower city: approvals to borrowers whose address is in Valley, in any county, FY2020 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Valley
SBA loans in Valley (504)
- Approvals4
- Gross approval$5,076,000
- Average approval$1,269,000
- Median approval$1,299,500
- Largest approval$2,243,000
- Jobs supported92
- Loans with a final outcome2
- Charged off0
- Median term300 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Valley, in any county, FY2010 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Valley
Flood risk in Valley
- NFIP communityCity of Valley
- NFIP community number010424
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date02/18/11
The City of Valley participates in the National Flood Insurance Program as community 010424 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Chambers County, not Valley
Chambers County context, not Valley figures
- Establishments in Chambers County572
- Covered employment, Chambers County9,087
- Average annual pay, Chambers County$52,152
- Housing units permitted, Chambers County38
Every figure in this section is published for Chambers County as a whole and is not a measurement of Valley.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Valley questions, answered from the record.
How many people live in Valley, Alabama?
10,277, in 3,954 households. Valley city covers 12.89 square miles of land, which is 797 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Valley in?
Chambers County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Valley?
$51,661. The median owner-occupied home is valued at $140,800. Median gross rent is $1,016 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Valley businesses?
10 7(a) approvals totaling $3.4 m since FY2020, across 10 lenders, median approval $292,500, plus 4 504 approvals worth $5.1 m since FY2010. These count approvals to borrowers whose address is in Valley, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Valley borrowers get paid back?
No rate is published for Valley. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Valley in the National Flood Insurance Program?
Yes. Valley appears in the FEMA Community Status Book as Valley, city of, community 010424, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Valley figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Chambers County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Valley.
Is zoning published for Valley?
No. Nothing on this page presents parcel level zoning.
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