Valley Mills, Texas.
Typical home $318,220 (+1.7% in a year). Waco, TX metro.
to buy the typical home at today's mortgage rate — +$948 (+131%) since Jan 2020.
- 1 year
- Up $5,349 +2%
- $312,871$318,220 since Sep 2025
- 5 years
- Up $53,029 +20%
- $265,191$318,220 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Valley Mills$1,670
- Texas$1,556
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 19 years.
Typical home values in Valley Mills, TX rose 1.7% over the past year — faster than the nation's +1.2%.
Living in Valley Mills, Bosque County, Texas
Valley Mills is a city of 1,229 people in Bosque County. Unemployment in Bosque County was 4.6% in August 2026, and the county had 7.1% fewer jobs in 2025 than the year before. The most people in Bosque County work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 24 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Valley Mills is a small Texas city in Bosque County, with a population on the younger side compared with many small towns. Winters are mild and short, with only a dusting of snow in most years, while summers run very hot, especially in August. Not many adults here hold a four-year degree, and a good number of households live below the poverty line.
Work. Residents work mostly in schools, hospitals and social care, with others in shops, the building trades and manufacturing. Across Bosque County, some of the largest workplaces are Lutheran Sunset Ministries, Clifton ISD and Bosque County Hospital District. The typical commute is a fairly long one, and very few people work from home.
Things to do. For time outdoors, Lake Whitney is a reservoir and Meridian State Park is a protected area, both a longer drive away. Waco Mammoth National Monument, also a longer drive away, is a protected area for those who like history and natural science. The Bosque River is another longer drive for anyone who wants time by the water.
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- 409households
- 9%of adults have a degree
- 12%below the poverty line
- 28 mintypical commute
- 4%work from home
What people in Bosque County work in
Employed residents by industry, from the Census survey. Bosque County had 3,789 jobs in 2025, 7.1% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 59° and lows near 36°; warmest in August, with highs near 97° and lows near 74°. About 1 inches of snow and 36 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Waco Regional Airport weather station, 15 miles away (NOAA).
Largest workplaces in Bosque County
- Lutheran Sunset MinistriesRetirement homes with nursing care186
- Clifton ISDSchool district176FTE
- Moss & AssociatesSolar power structure construction152
- Bosque County Hospital DistrictCritical access hospital131FTE
- Willow Park Rehabilitation and Healthcare CenterNursing homes107
- Valley Mills ISDSchool district101FTE
- Meridian ISDSchool district83FTE
- Brookshire'sSupermarkets and other grocery retailers79
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 11 workplaces with 20 or more staff, 729 people in all across the county; Valley Mills has none of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- LightningVery high
- TornadoesRelatively high
- WildfireRelatively moderate
- HailRelatively moderate
- Cold wavesRelatively moderate
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Valley Mills’ census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Bosque County and the Waco, TX metro.
Valley Mills home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Valley Mills$318,220
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 5 Valley Mills listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Valley Mills19.55%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Valley Mills29
New listings per month
Sellers arriving at the market.
Not enough data to draw this yet.
Zip codes with a Valley Mills address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Valley Mills — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.