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City · 10,099 residents · Clark County, Arkansas

Arkadelphia , Arkansas

In Arkadelphia, a typical home is worth $179,300 and typical rent is $814 a month. Compared with all of Clark County, the typical home value is 16% higher, typical household income is 6% lower, and the share of households that own their home is 24 points lower.

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  • Typical home value

    $179,300

    16% above the county

    5% below Arkansas

    • Arkadelphia
    • Clark
    • Arkansas

  • Typical rent

    $814a month

    3% above the county

    14% below Arkansas

    • Arkadelphia
    • Clark
    • Arkansas

  • Typical household income

    $48,657a year

    6% below the county

    20% below Arkansas

    • Arkadelphia
    • Clark
    • Arkansas

  • Households that own their home

    41%

    24 points below the county

    25 points below Arkansas

    • Arkadelphia
    • Clark
    • Arkansas

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$182,296
3.7% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Arkadelphia is in Clark County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Clark County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Arkadelphia apart

What this place has that others do not, from public data, most unusual first.

  1. Arkadelphia has the 2nd lowest homeownership rate of the 71 cities in Arkansas with more than 5,000 people (41%).

  2. Nearby, in Malvern, the typical home value is $104,500: 42% less than in Arkadelphia ($179,300).

  3. The typical home in Arkadelphia is worth $179,300, 16% more than in Clark County as a whole ($155,000).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Arkadelphia

What homes there are in Arkadelphia, 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 Arkadelphia, 6 in 10 homes are single-family detached houses; in Clark County, 6.

Year built

The typical year built in Arkadelphia is 1984, about the same as in Clark County (1985).

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
Monthly rent with utilities

About 72% of rented homes in Arkadelphia cost less than HUD's 2-bedroom fair market rent for Clark County ($928).

With a mortgage

$1,190 a month

Clark County: $1,206 a month

Without a mortgage

$407 a month

Clark County: $413 a month

Owners with a mortgage

53%

Clark County: 47%

In Arkadelphia, 53% of owners have a mortgage; their typical cost is $1,190 a month, about the same as in Clark County.

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 Arkadelphia rose 48%; in Clark County, it rose 39%.

Rents in Arkadelphia rose faster than in Clark County: 38% since 2015–2019, against 31%.

While home values in Arkadelphia changed +48% and rent +38%, the typical household income rose 47%.

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

MeasureArkadelphiaClark CountyArkansasUnited States
Rental vacancy Unreliable estimate11.8%6.4%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate2.8%2.7%3.4%
People per household 2.152.272.462.53
Drive alone 73%76%79%69%
Carpool 11%10%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike 9%6%2%3%
Work from home 6%6%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutes10 to 19 minutes20 to 29 minutes

On average, a household in Arkadelphia has 2.15 people, fewer than in Clark County (2.27).

Many here get to work on foot or by bike: 9%, more than in Clark County (6%).

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

Do the math

What would you pay each month for a home in Arkadelphia?

A typical home is tight for the typical income

We start with a typical home in Arkadelphia, worth $179,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Arkadelphia, which is $48,657 a year. For that payment to be 28% of income, a household would need to earn about $61,812 a year.

The calculator's FHA and conventional loan limits are those of all of Clark County.

Your numbers

Local data
$

Starts at the typical home value in Arkadelphia. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $6,276 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,442

at 7.18% · 30 years

Loan amount
$176,052
Total interest
$253,297
Paid off in
November 2056

Includes $3,028 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,135 a month

  • Tight

    $1,135 to $1,460 a month

    Your payment · 36%

  • Hard

    more than $1,460 a month

Compared with the typical household income in Arkadelphia ($48,657 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,442
Principal & interest$1,193
Property tax$96
Home insurance$75
FHA mortgage insurance (MIP)$79

You need at least $6,276 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Arkadelphia and Clark County

Arkadelphia is in Clark County, Arkansas. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Arkadelphia's own numbers

Typical home value
$179,300
Typical monthly rent
$814
Typical yearly household income
$48,657
Households that own their home
41%
Effective property tax rate
0.64%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Clark County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$928
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
5%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Clark County.

Everything about Clark County

Buying

Buying a home in Arkadelphia

A typical home in Arkadelphia is worth $179,300: 16% above the county and 5% below Arkansas. With the typical household income in Arkadelphia ($48,657 a year), a typical home costs 3.7 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Arkadelphia 3.7 years
  • Clark 3.0 years
  • Arkansas 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Clark County

According to FHFA’s house price index, home prices in Clark County rose 68% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Clark County.

Period County Arkansas U.S.
Last year (2025) +4.2% +3.4% +2.9%
5 years (2020–2025) +49% +52% +47%
10 years (2015–2025) +68% +79% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Arkadelphia next to Clark County, Arkansas and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Arkadelphia $179,300
  • Clark $155,000
  • Arkansas $188,000
  • United States $332,700
Typical monthly rent
  • Arkadelphia $814
  • Clark $793
  • Arkansas $947
  • United States $1,413
Typical yearly household income
  • Arkadelphia $48,657
  • Clark $52,034
  • Arkansas $60,773
  • United States $80,734
See the full table
Arkadelphia next to Clark County and Arkansas
Measure Arkadelphia Clark County Arkansas U.S.
Typical home value $179,300 $155,000 $188,000 $332,700
Typical monthly rent $814 $793 $947 $1,413
Typical yearly household income $48,657 $52,034 $60,773 $80,734
Households that own their home 41% 65% 66% 65%
Typical yearly property tax $1,142 $871 $1,040 $3,119
Effective property tax rate 0.64% 0.56% 0.55% 0.94%
Renters with high rent for their income 50% 48% 45% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Clark County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Arkadelphia

For a typical $179,300 home in Arkadelphia, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Arkadelphia's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,442a month

    Least cash to close
    Down payment
    $6,276
    Cash to close
    $11,655
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $79

  • Conventional, 5% down $1,409a month

    Down payment
    $8,965
    Cash to close
    $14,344
    Rate
    7.18%
    Mortgage insurance
    PMI · $85

  • Conventional, 20% down, no PMI $1,142a month

    Down payment
    $35,860
    Cash to close
    $41,239
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,308a month

    Down payment
    $26,895
    Cash to close
    $32,274
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Arkadelphia and for Clark County.

Property tax

Effective rate in Arkadelphia

0.64%of the home’s value each year

$1,142 a year for the typical owner in Arkadelphia.

  • Arkadelphia 0.64%
  • Clark 0.56%
  • Arkansas 0.55%

What Arkansas publishes Homestead property tax credit (Arkansas General Assembly (Act 174 of the 2026 Fiscal Session))

Exemptions and deadlines in Arkansas

Flood risk in Clark County

FEMA does not publish these numbers by city: they are for all of Clark County.

Homes in the high-risk zone
5%
411
Of those, with NFIP insurance
10%
County Arkansas U.S.
Homes in the high-risk zone 5% 3.4% 3.5%
Of those, with NFIP insurance 10% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Arkadelphia

Typical rent in Arkadelphia is $814 a month: 3% above the county. In Arkadelphia, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Clark County, by unit size. To pay the 2-bedroom one ($928 a month) without spending more than 30% of your income, you would need to earn $17.85 an hour working full time.

HUD fair market rent for all of Clark County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $711 $13.67 $28,440
1 bedroom $716 $13.77 $28,640
2 bedrooms $928 $17.85 $37,120
3 bedrooms $1,240 $23.85 $49,600
4 bedrooms $1,312 $25.23 $52,480

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Arkadelphia

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Arkadelphia has 3 ZIP codes with their own.

For 2 bedrooms it is $940 in all of them.

3 of the 3 are above the fair market rent for Clark County ($928).

  • 71923 $940$1,250
  • 71998 $940$1,250
  • 71999 $940$1,250

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Arkadelphia when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Arkadelphia

HUD lists 9 buildings with rents for lower incomes in Arkadelphia. These are the largest.

  • Carpenter Hill Homes 670 S 6th St, Arkadelphia 71923 100 low-income homes · Run by Arkadelphia Housing Authority · Average payment: $336 a month · Average wait: 3 months (870) 246-4632
  • Ouachita Village Apartments 11 Cypress Rd, Arkadelphia 71923 72 homes, 71 low-income · Studio: 1 · 1 bd: 69 · 2 bd: 2 · In service since 2006 · For older adults (870) 246-5281
  • Powder Mill Manor 2801 Twin Rivers Dr, Arkadelphia 71923 60 low-income homes · For people with disabilities (501) 246-9347
  • Elliston Fka Ross Apartments 222 N 20th St, Arkadelphia 71923 50 homes, 49 low-income · 1 bd: 8 · 2 bd: 24 · 3 bd: 18 · In service since 2016
  • Elliston Place 222 N 20th St, Arkadelphia 71923 50 homes, 49 low-income · For families (870) 246-7509

See all 10 buildings in Clark County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Arkadelphia

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Clark County. The nearest ones are below; many serve by phone or online.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Arkadelphia

No down payment, repair or rent-help program on our list is for Arkadelphia or Clark County. The ones below are statewide in Arkansas: they work in Arkadelphia the same as in the rest of the state.

Which programs do I qualify for? All programs in Arkansas

  • ADFA Down Payment Assistance Loan Program

    Statewide in Arkansas

    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

    See the program Official page

Housing counselors near Arkadelphia

The HUD-approved agencies closest to the center of Arkadelphia, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Southern Bancorp Community Partners

    206 Airport Rd, Hot Springs · 25 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    501-406-6000-2863

  • In Affordable Housing, Incorporated

    3224 Shackleford Pass, Little Rock · 56 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (501) 221-2203

  • Southern Bancorp Community Partners

    3999 W 12th St, Little Rock · 60 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (501) 406-6000

All counseling agencies in Arkansas

Help in Spanish near Arkadelphia

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Arkadelphia

HUD’s record names them for Arkadelphia or Clark County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Arkadelphia Housing Authority Public housing and Section 8 vouchers (870) 246-4632

2 other authorities have an office in Clark County: see the list Source: HUD

Cities

Nearby cities

The cities closest to Arkadelphia, with the typical home value.

Everything about Clark County Housing in Arkansas

Neighboring counties

If Clark County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Arkadelphia.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Arkadelphia

Short answers with the numbers for Arkadelphia and all of Clark County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Arkadelphia?

The typical home value in Arkadelphia is $179,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Clark County it is $155,000.

How much does it cost to rent in Arkadelphia?

Typical rent in Arkadelphia is $814 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Clark County is $928.

What is the FHA loan limit in Arkadelphia?

Arkadelphia uses the FHA limit for all of Clark County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Arkadelphia?

The typical homeowner in Arkadelphia pays $1,142 a year, according to the U.S. Census Bureau. That is 0.64% of the home’s value; in Clark County, the rate is 0.56%.

Where can I find free help to buy or rent in Arkadelphia?

We found no HUD-approved counseling agencies with an office in Clark County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).