Real Estate Investing in Valley, Alabama (36854)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Chambers County • Population: 15,913 • Data updated: September 2026

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Should you buy in 36854 (Valley, AL)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (57/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
1 flag
  • High vacancy: 19.7% of homes vacant — above national norms.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Valley, AL (36854)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $179,190
Avg Monthly Rent $1,044
1% Rule ✗ Does Not Meet
Median Income $58,324
% Renters 30.9%

Market Analysis: 36854 Valley

The 36854 ZIP in Valley, AL is a local-operator market. Outside capital chasing a $179K entry has to pair deep knowledge with the discount.

Distressed markets are won on execution, not on spreadsheets. ZIP 36854 sits at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Statewide comparisons place 36854 among AL's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

Demographically, 36854 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

Strategy in 36854 is an operator game, not a passive one. Looking more closely, entry prices of $179K are inviting, the management lift is real and non-optional.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Valley:

B Good
Buy Confidence Score: 70/100
Affordability
20/25
Appreciation
18/25
Stability
11/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.1× the median income
Value Trend
Rising (+4.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,044/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
LaGrange, GA-AL Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
10.4%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from LaGrange, GA-AL metro data
🏠

Property Strategy for 36854

Which property type performs best in this market?

Best for Cash Flow
2BR
5.6% cap rate
Best for Appreciation
2BR
+9.7% 5yr CAGR
Best Overall Value
3BR
$73,367/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $148,031 $1,160 5.6% +9.7% $74,016
3BR $220,101 $1,470 4.8% +9.0% $73,367
4BR $303,271 $1,570 3.7% +8.5% $75,818

Market Trends

Home Value History (with trend line)

$189K$166K$143K$120K$98K$75KNov 2009Mar 2018Jul 2026

📊 How Does 36854 Compare?

Metric 36854 Valley LaGrange, GA-AL Alabama
Home Value $179,190 $179,190 N/A $231,003
5-Year CAGR 3.9% 3.9% N/A 5.6%
Avg Rent $1,044 $1,044 N/A -
Cap Rate 4.5% 4.5% - -
💡 Why Invest in 36854? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 36854 (Valley, AL). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.5%
Fair
5yr Growth
+3.9%
Moderate

📊 Market Snapshot

Home Value $179,190
Monthly Rent $1,044
Price-to-Rent 14.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 7.0%
Cap Rate 4.5%
5-Year IRR 8.5%

📈 Home Appreciation

1-Year +4.9% ▲
3-Year CAGR +3.2% ▲
5-Year CAGR +3.9% ▲
10-Year CAGR +6.1% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.5%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
19.7%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+3.9%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 36854

Population: 15,913

💰 Median Household Income
$58,324
This area
$58,324
State
$56,875
USA
$74,580
🏠 Renter Occupied
30.9%
This area
30.9%
State
24.9%
USA
34.0%
💼 Unemployment Rate
1.1%
This area
1.1%
State
-24.3%
USA
3.7%
🎓 College Educated
16.1%
This area
16.1%
State
-11.9%
USA
33.7%
👤 Median Age
37.0 years
This area
37.0 years
State
-0.9 years
USA
38.9 years
🏚️ Vacancy Rate
19.7%
This area
19.7%
State
20.4%
USA
10.5%
👥 Population by Ethnicity
White 68.4%
Black/African American 29.2%
Other/Mixed 2.3%
Hispanic/Latino 0.8%
Asian 0.2%
👶 Under 18
21.0%
This area
21.0%
USA
22.0%
👴 65 and Over
16.9%
This area
16.9%
USA
17.3%
📊 Poverty Rate
12.3%
This area
12.3%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 36854

B Avg School Grade
6 Schools
16.1:1 Avg Class Size
$12,794 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Beulah Elementary School

📚 Pre-K – 06 School
👥
670 Students
👨‍🏫
14.3:1 Class Size
💰
$12,877 Per Student
B+ Above Average

Beulah High School

📚 07 – 12 High School
👥
505 Students
👨‍🏫
13.3:1 Class Size
💰
$12,877 Per Student
B Good

Valley High School

📚 09 – 12 High School
👥
656 Students
👨‍🏫
16.0:1 Class Size
💰
$12,752 Per Student
B Good

W F Burns Middle School

📚 06 – 08 Middle
👥
516 Students
👨‍🏫
16.7:1 Class Size
💰
$12,752 Per Student
B Good

Bob HardingShawmut Elementary

📚 Pre-K – 02 Elementary
👥
217 Students
👨‍🏫
16.7:1 Class Size
💰
$12,752 Per Student
B Good

Fairfax Elementary School

📚 Pre-K – 05 Elementary
👥
674 Students
👨‍🏫
19.8:1 Class Size
💰
$12,752 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

1 Nearby
C+
Point University
2,827 students · 8.7 mi

Frequently Asked Questions

How quickly do rentals get leased in Valley, AL?

Valley, AL vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.

How strong is the working-renter base in Valley, AL?

Valley, AL draws a predictable base of working renters. Demand at the $1,044/mo rent level is reasonable for standard single-family and small multi rentals.

How strong are rents in Valley, AL?

Valley, AL rentals go for roughly $1,044/mo a month. That puts gross yield in solid territory relative to $179K acquisition costs.

How should investors approach Valley, AL?

The best-fit strategy in Valley, AL is careful cash-flow rentals with hands-on management. That approach the rent and price profile of the market.

Is Valley, AL a good market for buy-and-hold investors?

With a 3.0/5 investability score, Valley, AL ranks as a solid market for rental property investors. Median prices of $179K and rents of $1,044/mo drive the underlying numbers.

You know 36854 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 36854 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 36854 ranks in LaGrange, GA-AL

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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