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City · 5,007 residents · Sebastian County, Arkansas

Barling , Arkansas

In Barling, a typical home is worth $140,000 and typical rent is $1,128 a month. Compared with all of Sebastian County, typical rent is 27% higher, the typical home value is 21% lower, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $140,000

    21% below the county

    26% below Arkansas

    • Barling
    • Sebastian
    • Arkansas

  • Typical rent

    $1,128a month

    27% above the county

    19% above Arkansas

    • Barling
    • Sebastian
    • Arkansas

  • Typical household income

    $54,387a year

    6% below the county

    11% below Arkansas

    • Barling
    • Sebastian
    • Arkansas

  • Households that own their home

    72%

    11 points above the county

    6 points above Arkansas

    • Barling
    • Sebastian
    • Arkansas

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

Market now, with Zillow data

Zillow data
Typical home value
$197,532
3.8% more than 12 months ago
Typical rent
$1,190 a month

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

Barling is in Sebastian 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 Sebastian County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Barling apart

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

  1. Nearby, in Greenwood, the typical rent is $836: 26% less than in Barling ($1,128).

  2. The typical rent in Barling is $1,128 a month, 27% more than in Sebastian County as a whole ($886).

  3. The typical home in Barling is worth $140,000, 21% less than in Sebastian County as a whole ($176,200).

  4. 72% of households in Barling own their home, against 61% in Sebastian County.

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

The homes here

Housing in Barling

What homes there are in Barling, 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

Detached houses, standing on their own, make up 75% of homes here, against 70% in Sebastian County.

Year built

Homes in Barling are newer: the typical year built is 1988; in Sebastian County, 1981.

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

With a mortgage

$977 a month

Sebastian County: $1,255 a month

Without a mortgage

$337 a month

Sebastian County: $449 a month

Owners with a mortgage

72%

Sebastian County: 53%

Owning costs less in Barling: with a mortgage, the typical cost is $977 a month; in Sebastian County, $1,255. Without one, $337.

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 Barling rose 29%; in Sebastian County, it rose 43%.

Since 2015–2019, the typical rent in Barling rose 22%, less than in Sebastian County (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

MeasureBarlingSebastian CountyArkansasUnited States
Rental vacancy Unreliable estimate6.9%6.4%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate3.0%2.7%3.4%
People per household 2.172.432.462.53
Drive alone 86%79%79%69%
Carpool Unreliable estimate11%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 9%8%9%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate10 to 19 minutes10 to 19 minutes20 to 29 minutes

Fewer people live in each home here: 2.17 on average, against 2.43 in Sebastian County.

To get to work, 86% of workers in Barling drive alone; in Sebastian County, 79%.

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 Barling?

A typical home is within reach of the typical income

We start with a typical home in Barling, worth $140,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Barling, which is $54,387 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Barling. 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 $4,900 (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

$1,147

at 7.18% · 30 years

Loan amount
$137,464
Total interest
$197,779
Paid off in
November 2056

Includes $2,364 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,269 a month

    Your payment · 25%

  • Tight

    $1,269 to $1,632 a month

  • Hard

    more than $1,632 a month

Compared with the typical household income in Barling ($54,387 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,147
Principal & interest$931
Property tax$96
Home insurance$58
FHA mortgage insurance (MIP)$62

You need at least $4,900 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

Barling and Sebastian County

Barling is in Sebastian 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).

Barling's own numbers

Typical home value
$140,000
Typical monthly rent
$1,128
Typical yearly household income
$54,387
Households that own their home
72%
Effective property tax rate
0.82%

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

Numbers for all of Sebastian County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$979
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
2.2%

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 Sebastian County.

Everything about Sebastian County

Buying

Buying a home in Barling

A typical home in Barling is worth $140,000: 21% below the county and 26% below Arkansas. With the typical household income in Barling ($54,387 a year), a typical home costs 2.6 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.

  • Barling 2.6 years
  • Sebastian 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 Sebastian County

According to FHFA’s house price index, home prices in Sebastian County rose 81% in the 10 years through 2025.

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

Period County Arkansas U.S.
Last year (2025) +5.9% +3.4% +2.9%
5 years (2020–2025) +57% +52% +47%
10 years (2015–2025) +81% +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

Barling next to Sebastian 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
  • Barling $140,000
  • Sebastian $176,200
  • Arkansas $188,000
  • United States $332,700
Typical monthly rent
  • Barling $1,128
  • Sebastian $886
  • Arkansas $947
  • United States $1,413
Typical yearly household income
  • Barling $54,387
  • Sebastian $57,790
  • Arkansas $60,773
  • United States $80,734
See the full table
Barling next to Sebastian County and Arkansas
Measure Barling Sebastian County Arkansas U.S.
Typical home value $140,000 $176,200 $188,000 $332,700
Typical monthly rent $1,128 $886 $947 $1,413
Typical yearly household income $54,387 $57,790 $60,773 $80,734
Households that own their home 72% 61% 66% 65%
Typical yearly property tax $1,143 $1,101 $1,040 $3,119
Effective property tax rate 0.82% 0.62% 0.55% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Sebastian 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 Barling

For a typical $140,000 home in Barling, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Barling's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,147a month

    Least cash to close
    Down payment
    $4,900
    Cash to close
    $9,100
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $62

  • Conventional, 5% down $1,121a month

    Down payment
    $7,000
    Cash to close
    $11,200
    Rate
    7.18%
    Mortgage insurance
    PMI · $67

  • Conventional, 20% down, no PMI $913a month

    Down payment
    $28,000
    Cash to close
    $32,200
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,042a month

    Down payment
    $21,000
    Cash to close
    $25,200
    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 Barling and for Sebastian County.

Property tax

Effective rate in Barling

0.82%of the home’s value each year

$1,143 a year for the typical owner in Barling.

  • Barling 0.82%
  • Sebastian 0.62%
  • 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 Sebastian County

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

Homes in the high-risk zone
2.2%
1,039
Of those, with NFIP insurance
18%
County Arkansas U.S.
Homes in the high-risk zone 2.2% 3.4% 3.5%
Of those, with NFIP insurance 18% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Barling

Typical rent in Barling is $1,128 a month: 27% above the county.

HUD publishes a fair market rent for all of Sebastian County, by unit size. To pay the 2-bedroom one ($979 a month) without spending more than 30% of your income, you would need to earn $18.83 an hour working full time.

HUD fair market rent for all of Sebastian 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 $741 $14.25 $29,640
1 bedroom $748 $14.38 $29,920
2 bedrooms $979 $18.83 $39,160
3 bedrooms $1,324 $25.46 $52,960
4 bedrooms $1,625 $31.25 $65,000

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 Barling

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Barling has 2 ZIP codes with their own.

For 2 bedrooms it runs from $990 in 72941 to $1,080 in 72923.

2 of the 2 are above the fair market rent for Sebastian County ($979).

  • 72923 $1,080$1,460
  • 72941 $990$1,340

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Barling 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 Barling

HUD lists 3 buildings with rents for lower incomes in Barling. These are the largest.

  • Barling Place 710 A St, Barling 72923 48 homes, 41 low-income · 1 bd: 19 · 2 bd: 16 · 3 bd: 6 · In service since 2012
  • Garden Walk of Barling 710 A St, Barling 72923 41 low-income homes · 1 bd: 26 · 2 bd: 16 · 3 bd: 6 · In service since 2012
  • Heritage Village of Barling 1601 M St, Barling 72923 19 low-income homes · For older adults (479) 452-1187

See all 19 buildings in Sebastian County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Barling

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.

There is 1 HUD-approved agency with an office in Sebastian County; 1 says it serves in Spanish.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Barling

No down payment, repair or rent-help program on our list is for Barling or Sebastian County. The ones below are statewide in Arkansas: they work in Barling 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 Barling

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

  • Crawford Sebastian Community Development Council

    1617 S Zero St, Fort Smith · 8 miles away · Spanish

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 4 more
    (479) 785-2303

  • Credit Counseling of Arkansas

    1111 E Zion Rd, Fayetteville · 56 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (479) 521-8877

  • Universal Housing Development Corporation

    301 E 3rd St, Russellville · 65 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 10 more
    (479) 968-5001

Every agency in Sebastian County All counseling agencies in Arkansas

Help in Spanish near Barling

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 Barling

In HUD’s record, no housing authority with an office in Sebastian County is named for Barling or Sebastian County.

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

Cities

Other cities in Sebastian County

These cities are also in Sebastian County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Sebastian County Housing in Arkansas

Nearby cities

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

Neighboring counties

If Sebastian 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 Barling.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Barling

Short answers with the numbers for Barling and all of Sebastian 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 Barling?

The typical home value in Barling is $140,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sebastian County it is $176,200.

How much does it cost to rent in Barling?

Typical rent in Barling is $1,128 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sebastian County is $979.

What is the FHA loan limit in Barling?

Barling uses the FHA limit for all of Sebastian 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 Barling?

The typical homeowner in Barling pays $1,143 a year, according to the U.S. Census Bureau. That is 0.82% of the home’s value; in Sebastian County, the rate is 0.62%.

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

There is 1 HUD-approved counseling agency with an office in Sebastian County. 1 says it serves in Spanish. 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).