Arkansas home prices and mortgage costs
Typical home value $224,158 · +3.4% in a year · property tax 0.5%
Arkansas ranks 47th most expensive of 51 states and D.C. Home values changed +3.4% over the past year and +20.2% over five years. Buying the typical home with 20% down costs about $1,412 a month at 7.11%, which needs a household income of about $60,500.
Cost of the typical Arkansas home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $44,832 | $179,326 | $1,206 | $0 | $205 | $1,412 | $60,500 |
| 10% down | $22,416 | $201,742 | $1,357 | $84 | $205 | $1,647 | $70,600 |
| 5% down | $11,208 | $212,950 | $1,433 | $89 | $205 | $1,727 | $74,000 |
| 3.5% down (FHA) | $7,846 | $220,098 | $1,481 | $99 | $205 | $1,785 | $76,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.5% 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.
Check a specific budget: how much house you can afford in Arkansas by salary · payment on a $200K home in Arkansas
Home prices by county in Arkansas
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| Benton County | $382,880 | +1.8% | 0.56% | $2,432 | $104,200 |
| Washington County | $350,254 | +3.6% | 0.52% | $2,213 | $94,800 |
| Madison County | $271,087 | +3.3% | 0.41% | $1,688 | $72,300 |
| Carroll County | $266,669 | +4.5% | 0.51% | $1,683 | $72,100 |
| Cleburne County | $257,633 | +2.7% | 0.45% | $1,613 | $69,100 |
| Faulkner County | $256,178 | +2.8% | 0.54% | $1,622 | $69,500 |
| Saline County | $254,314 | +2.9% | 0.62% | $1,627 | $69,700 |
| Garland County | $243,734 | +0.5% | 0.48% | $1,531 | $65,600 |
| Baxter County | $235,278 | +1.0% | 0.46% | $1,474 | $63,200 |
| Newton County | $235,171 | -2.8% | 0.38% | $1,458 | $62,500 |
| Boone County | $231,057 | +3.5% | 0.49% | $1,453 | $62,300 |
| Lonoke County | $230,061 | +4.7% | 0.63% | $1,473 | $63,100 |
| Marion County | $223,523 | -0.9% | 0.47% | $1,403 | $60,100 |
| Crawford County | $220,684 | +6.0% | 0.54% | $1,397 | $59,900 |
| Craighead County | $218,004 | +4.0% | 0.53% | $1,379 | $59,100 |
| Grant County | $214,346 | +7.2% | 0.54% | $1,358 | $58,200 |
| Pope County | $212,934 | +3.6% | 0.56% | $1,351 | $57,900 |
| Pulaski County | $210,341 | +4.0% | 0.76% | $1,371 | $58,800 |
| Montgomery County | $210,131 | +6.1% | 0.32% | $1,291 | $55,300 |
| White County | $207,632 | +3.8% | 0.46% | $1,301 | $55,800 |
| Sebastian County | $202,172 | +3.3% | 0.62% | $1,294 | $55,500 |
| Greene County | $194,258 | +3.2% | 0.48% | $1,221 | $52,300 |
| Fulton County | $191,558 | +3.8% | 0.47% | $1,201 | $51,500 |
| Polk County | $188,159 | +2.6% | 0.41% | $1,171 | $50,200 |
| Stone County | $186,367 | +0.9% | 0.32% | $1,146 | $49,100 |
| Johnson County | $182,721 | +4.1% | 0.52% | $1,154 | $49,500 |
| Perry County | $180,820 | +3.0% | 0.49% | $1,137 | $48,700 |
| Searcy County | $180,358 | +5.7% | 0.43% | $1,125 | $48,200 |
| Sevier County | $180,317 | +8.9% | 0.44% | $1,126 | $48,300 |
| Pike County | $178,817 | -2.5% | 0.59% | $1,139 | $48,800 |
| Franklin County | $175,565 | +4.8% | 0.49% | $1,105 | $47,300 |
| Independence County | $175,323 | +5.3% | 0.53% | $1,108 | $47,500 |
| Izard County | $172,035 | +3.0% | 0.57% | $1,093 | $46,800 |
| Conway County | $171,762 | +9.1% | 0.56% | $1,090 | $46,700 |
| Van Buren County | $167,718 | +1.9% | 0.43% | $1,046 | $44,800 |
| Logan County | $167,434 | +2.9% | 0.51% | $1,056 | $45,300 |
| Crittenden County | $166,826 | +5.6% | 0.62% | $1,067 | $45,700 |
| Howard County | $164,160 | +2.1% | 0.42% | $1,022 | $43,800 |
| Miller County | $163,828 | -0.2% | 0.61% | $1,046 | $44,800 |
| Yell County | $162,084 | +2.0% | 0.45% | $1,014 | $43,400 |
| Clark County | $161,308 | +3.6% | 0.56% | $1,024 | $43,900 |
| Scott County | $160,089 | +8.8% | 0.43% | $1,000 | $42,800 |
| Cleveland County | $159,668 | +0.2% | 0.48% | $1,004 | $43,000 |
| Hot Spring County | $159,254 | -3.1% | 0.48% | $1,000 | $42,900 |
| Little River County | $157,995 | +12.0% | 0.5% | $995 | $42,600 |
| Drew County | $154,673 | +0.0% | 0.47% | $971 | $41,600 |
| Prairie County | $154,008 | +6.8% | 0.72% | $998 | $42,800 |
| Cross County | $148,304 | +7.3% | 0.51% | $935 | $40,100 |
| Sharp County | $145,803 | -0.2% | 0.56% | $925 | $39,600 |
| Randolph County | $141,633 | +1.0% | 0.4% | $881 | $37,700 |
| Calhoun County | $134,184 | +5.4% | 0.47% | $841 | $36,100 |
| Lawrence County | $132,623 | +1.2% | 0.47% | $832 | $35,600 |
| Poinsett County | $130,353 | +5.3% | 0.53% | $824 | $35,300 |
| Lincoln County | $127,199 | +9.0% | 0.52% | $804 | $34,400 |
| Columbia County | $125,336 | -2.7% | 0.47% | $786 | $33,700 |
| Union County | $125,218 | -1.1% | 0.57% | $796 | $34,100 |
| Clay County | $124,769 | +5.3% | 0.5% | $786 | $33,700 |
| Hempstead County | $122,770 | +4.0% | 0.57% | $780 | $33,400 |
| Arkansas County | $122,343 | +1.9% | 0.54% | $775 | $33,200 |
| Mississippi County | $116,648 | +4.8% | 0.52% | $736 | $31,600 |
| Dallas County | $113,174 | +3.4% | 0.56% | $719 | $30,800 |
| Bradley County | $102,638 | -1.1% | 0.57% | $653 | $28,000 |
| Ouachita County | $101,500 | +4.8% | 0.51% | $640 | $27,400 |
| Desha County | $96,589 | -3.3% | 0.54% | $612 | $26,200 |
| Jackson County | $96,371 | -6.0% | 0.57% | $612 | $26,200 |
| Chicot County | $95,793 | -8.8% | 0.49% | $602 | $25,800 |
| Lee County | $95,565 | -10.6% | 0.46% | $599 | $25,700 |
| Lafayette County | $89,192 | +0.3% | 0.61% | $570 | $24,400 |
| Monroe County | $88,576 | -2.6% | 0.51% | $559 | $24,000 |
| Woodruff County | $86,695 | +1.8% | 0.56% | $551 | $23,600 |
| Ashley County | $83,693 | +3.5% | 0.6% | $534 | $22,900 |
| Jefferson County | $81,305 | -3.7% | 0.66% | $523 | $22,400 |
| Saint Francis County | $77,401 | -2.1% | 0.47% | $485 | $20,800 |
| Phillips County | $46,192 | -4.1% | 0.81% | $303 | $13,000 |
Metro areas in Arkansas
Frequently asked questions
What is the average home price in Arkansas?
The typical home in Arkansas is worth $224,158 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in Arkansas?
About $60,500 a year to buy the typical $224,158 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in Arkansas?
The typical effective rate is 0.5% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).