HomeAlabamaChambers CountyValley city
Valley city, Alabama: commercial real estate data.
Valley city 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.
76 sourced place values · tier FULL · 8 sections · 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$375,000
- Ninetieth percentile approval$1,158,000
- 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
A charge-off rate is not published here. only 0 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
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$2,002,000
- Largest approval$2,243,000
- Jobs supported92
- Loans with a final outcome2
- Charged off0
- Median term300 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Chambers County, not Valley
Chambers County context, not Valley figures
These are Chambers County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Valley measurements.
- Establishments in Chambers County572
- Employment at those establishments, Chambers County7,897
- Covered employment, Chambers County9,087
- Average annual pay, Chambers County$52,152
- Average weekly wage, Chambers County$1,003
- Housing units permitted, Chambers County38
- Of those, single family, Chambers County38
- County product, 2024, Chambers County$1,240,169,000
- County product change over the prior year, Chambers County7.5 percent
- Average income of an arriving household, Chambers County$70,455
Every figure in this section is published for Chambers County as a whole and is not a measurement of Valley. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $3.4 m, across 10 lenders, median approval $375,000, plus 4 504 approvals worth $5.1 m. 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 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Valley figures?
No, and they are labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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