Garland County, Arkansas home prices
Typical home $243,734 · +0.5% in a year · property tax 0.48%
The typical home in Garland County is worth $243,734, 9% more than the Arkansas typical home ($224,158). Values changed +0.5% in the past year and +23.1% over five years. Homeowners here pay a median 0.48% of their home's value in property tax each year ($1,170 on the typical home), versus 0.5% statewide.
Mortgage on the typical Garland County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $48,747 | $194,987 | $1,312 | $0 | $219 | $1,531 | $65,600 |
| 10% down | $24,373 | $219,360 | $1,476 | $91 | $219 | $1,786 | $76,600 |
| 5% down | $12,187 | $231,547 | $1,558 | $96 | $219 | $1,874 | $80,300 |
| 3.5% down (FHA) | $8,531 | $239,319 | $1,610 | $108 | $219 | $1,937 | $83,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.48% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Arkansas · part of the Hot Springs metro area.
Arkansas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Baxter County | $235,278 | +1.0% | 0.46% |
| Newton County | $235,171 | -2.8% | 0.38% |
| Saline County | $254,314 | +2.9% | 0.62% |
| Faulkner County | $256,178 | +2.8% | 0.54% |
| Boone County | $231,057 | +3.5% | 0.49% |
| Lonoke County | $230,061 | +4.7% | 0.63% |
| Cleburne County | $257,633 | +2.7% | 0.45% |
| Marion County | $223,523 | -0.9% | 0.47% |
| Carroll County | $266,669 | +4.5% | 0.51% |
| Crawford County | $220,684 | +6.0% | 0.54% |
Frequently asked questions
What is the average home price in Garland County, AR?
The typical home value in Garland County is $243,734 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Garland County?
About $65,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Garland County?
The median effective rate is 0.48% of home value a year (Census ACS 2024 5-year estimates).