Español

Este sitio también está en español. Leer en español

State

Data from November 2026

Housing , home prices, rents and assistance in Arkansas (2026)

A typical home in Arkansas is worth $188,000; the typical rent is $947 a month. The FHA limit for a one-unit home is $541,287 in every one of its counties. 14 HUD-approved counseling agencies serve Arkansas; 8 say they serve you in Spanish.

Most populous:

Typical home value by county

  • Under $102,100
  • $102,100–$121,600
  • $121,600–$151,100
  • $151,100–$174,600
  • $174,600 or more

Tap the map to see each county’s figure and open its page.

Typical home value
$188,000
43% less than the U.S.
U.S.: $332,700
Typical rent per month
$947
33% less than the U.S.
U.S.: $1,413
Typical household income
$60,773
25% less than the U.S.
U.S.: $80,734
FHA limit, 1 unit
$541,287
It is the same across Arkansas.
U.S.: $541,287 to $1,299,500
Property tax
0.55%
of value a year
The typical bill is $1,040 a year.
U.S.: 0.94%

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD)

In short

Living in Arkansas

A typical home in Arkansas is worth $188,000, 43% less than in the country overall. Across its 75 counties, the typical value runs from $75,300 in Lee County to $323,500 in Benton County. A typical household earns $60,773 a year and pays $947 a month in rent; 45% of renters put 30% or more of their income toward housing. 66% of households live in a home they own; they pay a typical property tax of $1,040 a year, about 0.55% of value.

The conforming loan limit for a one-unit home is $832,750 across Arkansas. To pay HUD’s fair rent for a 2-bedroom apartment in Arkansas ($1,061) without spending more than 30% of income, you need about $20.40 an hour working full time.

Source: Conforming loan limits (FHFA) Data from 2026 data Conforming loan limits (FHFA) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

The essentials in Arkansas

More on property tax

  • Homestead property tax credit

    Arkansas has a homestead property tax credit for each assessment year. It reduces the real property taxes on each owner's homestead (main home) by $675. This amount applies to assessment years starting in 2026. It is set by state law: Act 174 of 2026 raised the credit, so another law can change it.

    Arkansas General Assembly (Act 174 of the 2026 Fiscal Session) · Verified October 24, 2026

  • Homestead credit deadline: October 15 of the following year

    For the homestead credit, the owner registers proof of eligibility with the county assessor on or before October 15 of the year after the assessment. The registration may be attached to the deed filed with the circuit clerk, who sends it to the assessor, or given directly to the assessor. The property must qualify before January 1 of the year after the assessment year.

    Arkansas Department of Finance and Administration, Assessment Coordination Division · Verified October 24, 2026

  • Appealing the valuation: third Monday in August

    If you disagree with your property's value, you first appeal to your county's Board of Equalization. The appeal is made in person, by letter or by petition to the Board's secretary, on or before the third Monday in August each year. The Board's decision can be appealed to the County Court with a petition filed with the County Clerk by the second Monday in October each year.

    Arkansas Department of Finance and Administration, Assessment Coordination Division · Verified October 24, 2026

  • Cap on taxable value increases: 5% a year on a homestead

    Amendment 79 limits how much the taxable value (the value used to figure the tax) can rise because of a county-wide reappraisal. On a homestead (main home), taxable value can rise only 5% a year until it reaches full assessed value. On other property (commercial, agricultural and vacant), the cap is 10% a year. The caps do not apply to new or newly discovered property or to substantial improvements, meaning work that adds 25% or more to the value.

    Arkansas Department of Finance and Administration, Assessment Coordination Division · Verified October 24, 2026

The homes here

Housing in Arkansas

What homes there are in Arkansas, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Arkansas, 7 in 10 homes are single-family detached houses; in the U.S., 6.

Mobile homes are 11% of homes in Arkansas, more than in the U.S. (6%).

Year built

Homes in Arkansas are newer: the typical year built is 1987; in the U.S., 1980.

Homes in Arkansas are bigger: 66% have 3 bedrooms or more; in the U.S., 61%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The most common value range in Arkansas is between $100K and $200K: that is where 29% of owner-occupied homes sit.

Monthly rent with utilities

The most common rent in Arkansas is between $500 and $999 a month: that is where 46% of rented homes sit.

With a mortgage

$1,345 a month

United States: $1,963 a month

Without a mortgage

$437 a month

United States: $638 a month

Owners with a mortgage

53%

United States: 61%

The typical cost for an owner with a mortgage in Arkansas is $1,345 a month, less than in the U.S. ($1,963); without one, $437.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Arkansas rose 47%; in the U.S., it rose 53%.

Since 2015–2019, the typical rent in Arkansas rose 27%, less than in the U.S. (33%).

To compare: typical income in Arkansas rose 28%; the home, +47%; the rent, +27%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureArkansasUnited States
Rental vacancy 6.4%5.5%
Homeowner vacancy 1.1%0.9%
More than one person per room 2.7%3.4%
People per household 2.462.53
Drive alone 79%69%
Carpool 9%9%
Public transit 0%3%
Walk or bike 2%3%
Work from home 9%15%
Other means 1%2%
Typical commute 10 to 19 minutes20 to 29 minutes

In Arkansas, the rental vacancy rate is 6.4%, about the same as in the U.S..

More than one person per room: that is how 2.7% of households in Arkansas live, near the figure in the U.S. (3.4%).

By size, households in Arkansas look like those in the U.S.: 2.46 people on average.

In Arkansas, 79% of workers drive alone to work; in the U.S., 69%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Places

Explore the counties in Arkansas

Sort by any column or type a name. The 25 most populous are shown; the button reveals the rest.

See the counties page

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

Calculator

Work out your payment in Arkansas

Start from the typical home value in Arkansas, $188,000, and this week’s average rate. Move the price and the down payment to see your monthly payment. If you already visited a county, the calculator uses its numbers.

More math for Arkansas

$
%

Estimated monthly payment

$1,498

FHA loan over 30 years, with estimated taxes and insurance.

See the full calculation

Prices and risks

Three official measures that help you decide: how much home prices have changed according to FHFA, how prices compare with the national average according to BEA, and how many homes sit in a flood zone according to FEMA.

Home prices

How have home prices changed?

According to the FHFA House Price Index, home prices in Arkansas rose 79% in the 10 years through 2025.

Price change each year

Period Arkansas United States
In 2025 +3.4% +2.9%
5 years (2020–2025) +52% +47%
10 years (2015–2025) +79% +85%

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual state indexes experimental.

Source: FHFA House Price Index (HPI) Data from 2025 data FHFA House Price Index (HPI)

Cost of living

How expensive are prices here?

According to the Bureau of Economic Analysis (BEA), in 2024 prices in Arkansas were 13% lower than the U.S. average. Housing rents were 42% lower than nationwide.

Category Arkansas United States Versus the U.S.
All prices Consumer goods and services 86.9 100.0 13% less
Housing rents What renters pay 58.2 100.6 42% less
Water, power and gas Water, sewer, electricity and gas 74.7 98.4 24% less
Goods Food, clothing, transportation and more 93.6 99.6 6% less
Other services Services other than rent 95.3 100.1 5% less

BEA expresses each index as a percentage of the average U.S. price level: a higher number means higher prices, and a lower one, lower prices.

Source: Regional price parities (BEA) Data from 2024 data Regional price parities (BEA)

Flooding

Is there a flood risk?

According to FEMA, in Arkansas 3.4% of homes (40,426) are in a high-risk flood zone. Of those homes, 17% have NFIP flood insurance.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. 44 CFR 59.1
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. 42 U.S.C. 4012a
  • Most homeowners insurance does not cover flood damage. FEMA, FloodSmart
Arkansas United States
Homes in a high-risk zone 3.4% 3.5%
Of those, with NFIP insurance 17% 48%
All homes with NFIP insurance 0.8% 2.9%

The NFIP is the federal flood insurance program; private policies are not counted. FEMA counts homes with its National Structure Inventory. We add up the county figures FEMA publishes.

Look up your address on FEMA’s map Source: Homes with flood insurance (NFIP, FEMA) As of August 3, 2026 Homes with flood insurance (NFIP, FEMA)

Places

Cities in Arkansas

The 16 most populous cities with a page. Each one compares its prices and rents with its county.

See the other cities (55)

    Help to buy

    Assistance programs in Arkansas

    Our list has 1 official program that helps you buy in Arkansas. Each card says what kind of help it gives and when we checked its official page.

    See the program
    1. ADFA Down Payment Assistance Loan Program

      Arkansas state authority second mortgage of $1,000 to $15,000 for the down payment and closing costs, over 10 years and at the same rate as the ADFA first mortgage (Move-Up or StartSmart). Offered by Arkansas Development Finance Authority (ADFA).

      Repayable Verified November 5, 2026

    Who runs the help in Arkansas

    • Arkansas Development Finance Authority (ADFA)

      The Arkansas Development Finance Authority (ADFA) serves all 75 counties in the state. Participating lenders originate, process and close all ADFA homebuyer loans. Most lenders prequalify a buyer before the purchase, and an ADFA-approved lender helps you choose the program that best fits your needs. The StartSmart program offers a below-market interest rate mortgage to, among others, qualified low-to-moderate income first-time homebuyers. ADFA's Down Payment Assistance can provide up to $15,000 for down payment and closing costs.

      The agency's official page · Verified October 24, 2026

    Tenant rights

    Tenant rights in Arkansas

    Arkansas law answers 3 of these 5 questions, each answer with its citation. Where it says “Data not available”, we have not verified it against the source yet.

    A summary of state law, not legal advice. Cities may have additional rules.

    See every right

    1. How much can they charge for a deposit?

      In Arkansas, a landlord cannot charge you a security deposit of more than two months' rent. According to the Attorney General, this law applies only to landlords who rent six or more homes.

      Ark. Code §18-16-304

    2. When must they return my deposit?

      When you move out, the landlord has 60 days to return your deposit. The landlord may deduct the cost to repair damage to the home or any past-due rent. If anything is deducted, the landlord must give you a written, itemized list of the charges within those 60 days.

      Ark. Code §18-16-305

    3. If I fall behind on rent, what notice must I get?

      In Arkansas, in a civil eviction case called 'unlawful detainer', the landlord must give you a 3-day written notice to move out. If you do not leave, the landlord can sue you in court.

      Ark. Code §18-60-304

    4. How much notice ends a month-to-month rental?

      Data not available

    5. Are there limits on late fees?

      Data not available

    Three generations of a family gather on the porch of their home.

    Help and advice

    Who can help you in Arkansas?

    You do not have to do this alone. A HUD-approved housing counselor gives independent advice on buying, renting, late payments and credit, often free or at low cost.

    14 HUD-approved counseling agencies serve Arkansas; 8 say they serve you in Spanish. Choose your county to see the closest ones with their phone number.

    127 public housing authorities run Section 8 vouchers and public housing in Arkansas.

    See all 14 agencies See the housing agencies

    Where to file a complaint in Arkansas

    • Where to file a housing discrimination complaint

      The Arkansas Fair Housing Commission enforces state and federal fair housing and fair lending laws and educates the public about them. It receives, investigates, conciliates and/or resolves complaints of violations of the Arkansas Fair Housing Act. That law bans discrimination based on race, color, national origin, religion, sex, familial status (including children under 18 living with parents or legal custodians, pregnant women and people securing custody of children under 18) and disability.

      Arkansas Fair Housing Commission (Arkansas Department of Inspector General) · Verified October 24, 2026

    • Help with homeowners insurance complaints or questions

      The Arkansas Insurance Department's Consumer Services Division (CSD) helps with complaints and questions about insurance companies, producers (agents) and adjusters. It investigates all complaints, working with the company and the consumer to decide what to do. It travels the state with educational materials. After significant storm damage, it goes to damaged areas to help homeowners file claims and get emergency living expenses.

      Arkansas Insurance Department · Verified October 24, 2026

    Guides

    Guides for you in Arkansas

    We picked them with the numbers of Arkansas. Each one says why it can help you.

    Frequently asked questions about housing in Arkansas

    What is the FHA limit in Arkansas in 2026?

    In Arkansas, the FHA limit for a one-unit home is $541,287 in every one of its counties.

    How much does a typical home cost in Arkansas?

    The typical home value in Arkansas is $188,000 (Average 2020–2024, U.S. Census). The highest is in Benton County ($323,500) and the lowest in Lee County ($75,300).

    How much does it cost to rent in Arkansas?

    The typical rent in Arkansas is $947 a month (Average 2020–2024, U.S. Census).

    How much do you need to earn to rent a 2-bedroom apartment in Arkansas?

    At HUD's average fair market rent in Arkansas ($1,061, Fiscal year 2027), about $20.40 an hour working full time, so rent stays under 30% of income.

    How much is property tax in Arkansas?

    The typical property tax in Arkansas is $1,040 a year, about 0.55% of home value (Average 2020–2024, U.S. Census).

    Where can I find free help in Spanish to buy a home in Arkansas?

    There are 14 HUD-approved counseling agencies in Arkansas; 8 say they serve you in Spanish. Each county page lists the closest ones with their phone number.

    Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); Regional price parities (2024 data); Census Bureau cartographic boundary files (2024 data).