El Dorado, AR home prices
Typical home $125,220 · -1.1% in a year · income needed $34,100
The El Dorado, AR metro area ranks 854 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -1.1% in a year and -5.8% over five years. With 20% down at 7.11%, the typical home costs about $796 a month including 0.57% property tax (Union County rate).
Mortgage on the typical El Dorado home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $25,044 | $100,176 | $674 | $0 | $122 | $796 | $34,100 |
| 10% down | $12,522 | $112,698 | $758 | $47 | $122 | $927 | $39,700 |
| 5% down | $6,261 | $118,959 | $800 | $50 | $122 | $972 | $41,600 |
| 3.5% down (FHA) | $4,383 | $122,952 | $827 | $55 | $122 | $1,004 | $43,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.57% 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.
Counties in the El Dorado area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Union County, AR | $125,218 | -1.1% | 0.57% |
What can you afford in Arkansas on your salary? · Arkansas home prices · Salaries in Arkansas
Frequently asked questions
How much is a house in El Dorado?
The typical home in the El Dorado, AR metro area is worth $125,220 (Zillow, September 2026).
What salary do you need to buy a house in El Dorado?
About $34,100 a year for the typical home with 20% down at 7.11%.