Is Valley County, ID good for real estate investing?

Valley County has an investment score of 45/100, rated as "Hold". The county ranks #681 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Valley?

The rent-to-price ratio in Valley County is 4.69% annually, which ranks in the 19th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Valley?

The median home price in Valley County is $683,169. This ranks #973 in affordability among all US counties.

Can you cash flow on rental properties in Valley?

Based on median values with 20% down at current rates, a typical rental in Valley County would generate negative cash flow of $1,846/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Valley County

IdahoPopulation: 11,830

/100

Hold

#681 of 1,000 counties

#25 in Idaho (43 counties)

Analysis by RentalCalcs ResearchIndependent data + algorithm-driven scoring

Updated July 28, 2026Sources: Zillow ZHVI, Zillow ZORI, US Census ACS, Tax Foundation

Market Snapshot

$683,169

Median Home Price

198% above national median

$2,669/mo

Median Rent

84% above national median

4.69%

Rent-to-Price Ratio

Top 81% nationally

-$1,846

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Scenario comparison

Same $2,669/mo rent assumption, 20% down, 6.85% rate. What changes is the acquisition price.

Scenario	Purchase price	Monthly cash flow	Cap rate	Cash-on-cash
75% of median value-add or distressed	$512,377	-$951/mo	4.1%	-9.7%
Median typical MLS deal	$683,169	-$1,846/mo	3.0%	-14.1%
125% of median newer / premium	$853,961	-$2,742/mo	2.4%	-16.8%

Price History

Median Home Price

Median Rent

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$683,169

Down Payment (20%)$136,634

Loan Amount$546,535

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$2,669

Monthly P&I-$3,581

Est. Expenses (35%)-$934

Net Cash Flow-$1,846/mo

3.0%

Cap Rate (all cash)

-14.1%

Cash-on-Cash Return

4.69%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 3.0% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

45/100

Cash Flow(30%)

40/100

Based on 4.69% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

74/100

Based on 2.4% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

11/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

+Complete rent data available

Challenges

-Below-average rent-to-price ratio (4.69%)
-Negative cash flow at typical financing (-$1,846/mo)
-Negative leverage (cap rate 3.0% < mortgage rate 6.9%)
-High price-to-income ratio makes financing challenging

Economic Indicators

Population

11,830

Median Income

—

Data pending

Unemployment Rate

—

Data pending

Price-to-Income

—

Data pending

Who this market fits

Best for

+All-cash buyers: removing debt service flips the cap rate to actual yield

Skip if

−You need positive cash flow on day one at typical leverage
−You can't tolerate negative leverage (cap rate below mortgage rate today)
−You rely on FHA-style financing: prices are stretched relative to local incomes

Compare to Nearby Counties

County					Verdict
OwyheeID	46	$419,310	Est. pending	—	Hold	View
CurrentValleyID	45	$683,169	$2,669	4.69%	Hold
AdaID	45	$512,306	$1,843	4.32%	Hold	View
BannockID	44	$345,879	$1,086	3.77%	Avoid	View
CanyonID	44	$404,735	$1,562	4.63%	Avoid	View
BoiseID	44	$460,729	Est. pending	—	Avoid	View

The Bottom Line

HoldValley is a neutral market. Consider house hacking or targeting below-market deals.

Valley County in Idaho scores 45/100, ranking #681 of 1,000 US counties (top 87%). At 20% down and current rates, a median-priced rental loses about $1846/month; the 4.69% gross rent-to-price ratio doesn't survive debt service. The thesis here is appreciation, value-add, house hacking, or all-cash.

Monthly Cash Flow

$-1,846/mo

Cap Rate

3.0%

Cash-on-Cash

-14.1%