In Benton, a typical home is worth $212,700 and typical rent is $1,072 a month. Compared with all of Saline County, typical household income is 8% lower and the share of households that own their home is 10 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $203,306 to $240,440.
Typical rent
$1,476a month
▲ 4.8% more than 12 months ago
Typical rent from Zillow, March 2022 to September 2026: from $1,163 to $1,476.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Benton is in Saline 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 Saline County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Malvern, the typical home value is $104,500: 51% less than in Benton ($212,700).
2
Nearby, in Malvern, the typical rent is $764: 29% less than in Benton ($1,072).
3
68% of households in Benton own their home, against 78% in Saline County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Benton
What homes there are in Benton, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Benton
Saline County
Arkansas
United States
Kind of home: Benton and its comparisons
Measure
Benton
Saline County
Arkansas
United States
Detached house
80%
76%
70%
61%
Attached house
Unreliable estimate
1%
2%
6%
Building of 2 to 4
4%
2%
7%
8%
Apartments (5 or more)
12%
6%
11%
19%
Mobile home
3%
15%
11%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Benton: 80% of homes, more than in Saline County (76%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Benton
Saline County
Arkansas
United States
Year built: Benton and its comparisons
Measure
Benton
Saline County
Arkansas
United States
Before 1960
13%
7%
13%
26%
1960–1979
21%
18%
26%
24%
1980–1999
22%
30%
30%
25%
2000–2009
22%
23%
16%
14%
2010 or later
22%
22%
14%
11%
By age, homes in Benton look like those in Saline County: the typical year built is 1995.
In Benton, 10% of homes have 1 bedroom or none (studios); 69% have 3 bedrooms or more, against 77% in Saline County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K12%
$100K–$200K33%
$200K–$300K31%
$300K–$500K18%
$500K–$750K3%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Benton and its comparisons
Measure
Benton
Under $100K
12%
$100K–$200K
33%
$200K–$300K
31%
$300K–$500K
18%
$500K–$750K
3%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA loan limit for Saline County is $541,287, and about 94% of owner-occupied homes in Benton are worth less than that.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99937%
$1,000–$1,49947%
$1,500–$1,9997%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Benton and its comparisons
Measure
Benton
Under $500
Unreliable estimate
$500–$999
37%
$1,000–$1,499
47%
$1,500–$1,999
7%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,384 a month
Saline County: $1,448 a month
Without a mortgage
$456 a month
Saline County: $465 a month
Owners with a mortgage
68%
Saline County: 60%
Owning costs about the same in Benton as in Saline County: with a mortgage, $1,384 a month; without one, $456.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Benton+42%
Saline County+41%
Arkansas+47%
United States+53%
Typical rent
Benton+35%
Saline County+22%
Arkansas+27%
United States+33%
Typical household income
Benton+24%
Saline County+23%
Arkansas+28%
United States+29%
Change since 2015–2019: Benton and its comparisons
Measure
Benton
Saline County
Arkansas
United States
Typical home value
+42%
+41%
+47%
+53%
Typical rent
+35%
+22%
+27%
+33%
Typical household income
+24%
+23%
+28%
+29%
Much as in Saline County, the typical home value in Benton rose 42% since 2015–2019.
Rents in Benton rose faster than in Saline County: 35% since 2015–2019, against 22%.
The typical household income in Benton rose 24%: less than home values (+42%) and rent (+35%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Benton and its comparisons
Measure
Benton
Saline County
Arkansas
United States
Rental vacancy
5.8%
5.4%
6.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
3.1%
2.1%
2.7%
3.4%
People per household
2.35
2.51
2.46
2.53
Drive alone
80%
79%
79%
69%
Carpool
9%
9%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
9%
10%
9%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
10 to 19 minutes
20 to 29 minutes
Much as in Saline County, the rental vacancy rate in Benton is 5.8%.
More than one person per room: that is how 3.1% of households in Benton live, near the figure in Saline County (2.1%).
On average, a household in Benton has 2.35 people, fewer than in Saline County (2.51).
To get to work, 80% of workers in Benton drive alone; in Saline County, 79%.
Do the math
What would you pay each month for a home in Benton?
A typical home is tight for the typical income
We start with a typical home in Benton, worth $212,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Benton, which is $72,876 a year. For that payment to be 28% of income, a household would need to earn about $73,326 a year.
The calculator's FHA and conventional loan limits are those of all of Saline County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Benton. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $7,445 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,711
at 7.18% · 30 years
Loan amount
$208,847
Total interest
$300,482
Paid off in
November 2056
Includes $3,592 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,700 a month
Tight
$1,700 to $2,186 a month
Your payment · 28%
Hard
more than $2,186 a month
Compared with the typical household income in Benton ($72,876 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,415
Property tax
$113
Home insurance
$89
FHA mortgage insurance (MIP)
$94
You need at least $7,445 for the down payment, plus closing costs.
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.
Total monthly payment $1,711; principal and interest $1,415.
The city and its county
Benton and Saline County
Benton is in Saline 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).
Benton
Map of Saline County, Arkansas, with Benton marked. Around it, the neighboring counties.
Benton
Saline County
Other cities with a page
Benton's own numbers
Typical home value
$212,700
Typical monthly rent
$1,072
Typical yearly household income
$72,876
Households that own their home
68%
Effective property tax rate
0.64%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Saline County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,121
Price change over 5 years (FHFA)
+43%
Homes in a high flood-risk zone
1.4%
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 Saline County.
A typical home in Benton is worth $212,700: 4% below the county and 13% above Arkansas. With the typical household income in Benton ($72,876 a year), a typical home costs 2.9 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.
Benton2.9 years
Saline2.8 years
Arkansas3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Saline County
According to FHFA’s house price index, home prices in Saline County rose 61% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Saline County.
Yearly change in FHFA’s price index in Saline County, 2016 to 2025
2016: +0.4% +0.4% 2016
2017: +3.9% +3.9% 2017
2018: +2.6% +2.6% 2018
2019: +2.7% +2.7% 2019
2020: +2.8% +2.8% 2020
2021: +9.0% +9.0% 2021
2022: +14.7% +14.7% 2022
2023: +8.2% +8.2% 2023
2024: +3.2% +3.2% 2024
2025: +2.2% +2.2% 2025
Change in FHFA’s price index in Saline County, Arkansas and the United States
Period
County
Arkansas
U.S.
Last year (2025)
+2.2%
+3.4%
+2.9%
5 years (2020–2025)
+43%
+52%
+47%
10 years (2015–2025)
+61%
+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
Benton next to Saline 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
Benton$212,700
Saline$221,200
Arkansas$188,000
United States$332,700
Typical monthly rent
Benton$1,072
Saline$1,033
Arkansas$947
United States$1,413
Typical yearly household income
Benton$72,876
Saline$79,046
Arkansas$60,773
United States$80,734
See the full table
Benton next to Saline County and Arkansas
Measure
Benton
Saline County
Arkansas
U.S.
Typical home value
$212,700 ▼4% below the county
$221,200
$188,000
$332,700
Typical monthly rent
$1,072 ▲4% above the county
$1,033
$947
$1,413
Typical yearly household income
$72,876 ▼8% below the county
$79,046
$60,773
$80,734
Households that own their home
68% ▼10 points below the county
78%
66%
65%
Typical yearly property tax
$1,352
$1,367
$1,040
$3,119
Effective property tax rate
0.64% ▲0.02 points above the county
0.62%
0.55%
0.94%
Renters with high rent for their income
40% ▲3 points above the county
37%
45%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Saline 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 Benton
For a typical $212,700 home in Benton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Benton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,711a month
Least cash to close
Down payment
$7,445
Cash to close
$13,826
Rate
7.18%
Mortgage insurance
FHA MIP · $94
Conventional, 5% down$1,672a month
Down payment
$10,635
Cash to close
$17,016
Rate
7.18%
Mortgage insurance
PMI · $101
Conventional, 20% down, no PMI$1,355a month
Down payment
$42,540
Cash to close
$48,921
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,551a month
Down payment
$31,905
Cash to close
$38,286
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Benton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,711
$7,445
$208,847
7.18%
FHA MIP · $94
$13,826
580
Conventional, 5% down
$1,672
$10,635
$202,065
7.18%
PMI · $101
$17,016
620*
Conventional, 20% down, no PMI
$1,355
$42,540
$170,160
7.18%
None
$48,921
620*
ITIN, 15% down (example)
$1,551
$31,905
$180,795
8.18%
None
$38,286
Set by the lender
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.
Typical rent in Benton is $1,072 a month: 4% above the county. In Benton, 40% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Saline County, by unit size. To pay the 2-bedroom one ($1,121 a month) without spending more than 30% of your income, you would need to earn $21.56 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Saline County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$964
$18.54
$38,560
1 bedroom
$969
$18.63
$38,760
2 bedrooms
$1,121
$21.56
$44,840
3 bedrooms
$1,504
$28.92
$60,160
4 bedrooms
$1,810
$34.81
$72,400
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 Benton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Benton has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,070 in 72019 to $1,110 in 72015.
None is above the fair market rent for Saline County ($1,121).
Fair market rent by ZIP code and size in Benton, fiscal year 2027.
72015
$960
$960
$1,110
$1,490
$1,790
72019
$920
$930
$1,070
$1,440
$1,730
ZIP code2 bd3 bd
72015 $1,110$1,490
72019 $1,070$1,440
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Benton 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 5 buildings with rents for lower incomes in Benton. These are the largest.
Whispering Pines1 Whispering Pnes, Benton 72015102 low-income homes · Run by Housing Authority of the City of Benton, AR · Average payment: $396 a month · Average wait: 21 months(501) 778-7302
Birch Apartments6400 Highway 67, Benton 7201515 homes, 14 low-income · For people with disabilities(501) 315-3344
Civitan Group Housing1602 Hudson St, Benton 7201513 homes, 12 low-income · For people with disabilities(501) 847-5901
Birch Forest Apartments6400 Highway 67, Benton 7201510 low-income homes · For people with disabilities(501) 303-3135
Birch Lane Apartments714 Alcoa Rd, Benton 7201510 homes, 9 low-income · For older adults(501) 303-3135
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 Saline County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Benton or Saline County. The ones below are statewide in Arkansas: they work in Benton the same as in the rest of the state.
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).
No legal help resource on our list is for Benton or Saline County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Benton and all of Saline 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 Benton?
The typical home value in Benton is $212,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Saline County it is $221,200.
How much does it cost to rent in Benton?
Typical rent in Benton is $1,072 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Saline County is $1,121.
What is the FHA loan limit in Benton?
Benton uses the FHA limit for all of Saline 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 Benton?
The typical homeowner in Benton pays $1,352 a year, according to the U.S. Census Bureau. That is 0.64% of the home’s value; in Saline County, the rate is 0.62%.
Where can I find free help to buy or rent in Benton?
We found no HUD-approved counseling agencies with an office in Saline County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
