Helena, AR home prices
Typical home $46,294 · -4.2% in a year · income needed $13,000
The Helena, AR metro area ranks 894 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -4.2% in a year and -22.4% over five years. With 20% down at 7.11%, the typical home costs about $304 a month including 0.81% property tax (Phillips County rate).
Mortgage on the typical Helena home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $9,259 | $37,035 | $249 | $0 | $55 | $304 | $13,000 |
| 10% down | $4,629 | $41,664 | $280 | $17 | $55 | $352 | $15,100 |
| 5% down | $2,315 | $43,979 | $296 | $18 | $55 | $369 | $15,800 |
| 3.5% down (FHA) | $1,620 | $45,455 | $306 | $20 | $55 | $381 | $16,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.81% 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 Helena area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Phillips County, AR | $46,192 | -4.1% | 0.81% |
What can you afford in Arkansas on your salary? · Arkansas home prices · Salaries in Arkansas
Frequently asked questions
How much is a house in Helena?
The typical home in the Helena, AR metro area is worth $46,294 (Zillow, September 2026).
What salary do you need to buy a house in Helena?
About $13,000 a year for the typical home with 20% down at 7.11%.