Searcy, AR home prices
Typical home $207,612 · +3.8% in a year · income needed $55,800
The Searcy, AR metro area ranks 608 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.8% in a year and +29.6% over five years. With 20% down at 7.11%, the typical home costs about $1,301 a month including 0.46% property tax (White County rate).
Mortgage on the typical Searcy home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $41,522 | $166,089 | $1,117 | $0 | $184 | $1,301 | $55,800 |
| 10% down | $20,761 | $186,850 | $1,257 | $78 | $184 | $1,518 | $65,100 |
| 5% down | $10,381 | $197,231 | $1,327 | $82 | $184 | $1,593 | $68,300 |
| 3.5% down (FHA) | $7,266 | $203,851 | $1,371 | $92 | $184 | $1,647 | $70,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.46% 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 Searcy area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| White County, AR | $207,632 | +3.8% | 0.46% |
What can you afford in Arkansas on your salary? · Arkansas home prices · Salaries in Arkansas
Frequently asked questions
How much is a house in Searcy?
The typical home in the Searcy, AR metro area is worth $207,612 (Zillow, September 2026).
What salary do you need to buy a house in Searcy?
About $55,800 a year for the typical home with 20% down at 7.11%.