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City · 26,960 residents · Lonoke County, Arkansas

Cabot , Arkansas

In Cabot, a typical home is worth $207,300 and typical rent is $1,110 a month. Compared with all of Lonoke County, typical rent is 8% higher, the typical home value is 7% higher, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $207,300

    7% above the county

    10% above Arkansas

    • Cabot
    • Lonoke
    • Arkansas

  • Typical rent

    $1,110a month

    8% above the county

    17% above Arkansas

    • Cabot
    • Lonoke
    • Arkansas

  • Typical household income

    $75,000a year

    3% above the county

    23% above Arkansas

    • Cabot
    • Lonoke
    • Arkansas

  • Households that own their home

    69%

    6 points below the county

    2 points above Arkansas

    • Cabot
    • Lonoke
    • Arkansas

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

Market now, with Zillow data

Zillow data
Typical home value
$248,868
4.2% more than 12 months ago
Typical rent
$1,448 a month
4% more than 12 months ago

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

Cabot is in Lonoke 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 Lonoke County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Cabot apart

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

  1. Nearby, in Beebe, the typical rent is $799: 28% less than in Cabot ($1,110).

  2. Nearby, in Beebe, the typical home value is $158,200: 24% less than in Cabot ($207,300).

  3. 69% of households in Cabot own their home, against 75% in Lonoke County.

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

The homes here

Housing in Cabot

What homes there are in Cabot, 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

The detached house is the most common home in Cabot: 77% of homes, near the figure in Lonoke County (77%).

Year built

The typical year built in Cabot is 2000, about the same as in Lonoke County (1997).

Much as in Lonoke County, 78% of homes in Cabot have 3 bedrooms or more.

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

At least 97% of owner-occupied homes in Cabot are worth less than $500,000, below the FHA loan limit for Lonoke County ($541,287).

Monthly rent with utilities

With a mortgage

$1,449 a month

Lonoke County: $1,380 a month

Without a mortgage

$447 a month

Lonoke County: $444 a month

Owners with a mortgage

72%

Lonoke County: 63%

Owning costs more in Cabot: with a mortgage, the typical cost is $1,449 a month; in Lonoke County, $1,380. Without one, $447.

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

Much as in Lonoke County, the typical home value in Cabot rose 35% since 2015–2019.

Much as in Lonoke County, the typical rent in Cabot rose 28% since 2015–2019.

The typical household income in Cabot rose 24%: less than home values (+35%) and rent (+28%).

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

MeasureCabotLonoke CountyArkansasUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.4%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room 2.6%2.5%2.7%3.4%
People per household 2.632.612.462.53
Drive alone 81%81%79%69%
Carpool 8%9%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 8%8%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate10 to 19 minutes20 to 29 minutes

More than one person per room: that is how 2.6% of households in Cabot live, near the figure in Lonoke County (2.5%).

By size, households in Cabot look like those in Lonoke County: 2.63 people on average.

In Cabot, 81% of workers drive alone to work; in Lonoke County, 81%.

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 Cabot?

A typical home is within reach of the typical income

We start with a typical home in Cabot, worth $207,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Cabot, which is $75,000 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Cabot. 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 $7,256 (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

$1,662

at 7.18% · 30 years

Loan amount
$203,545
Total interest
$292,853
Paid off in
November 2056

Includes $3,501 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,750 a month

    Your payment · 27%

  • Tight

    $1,750 to $2,250 a month

  • Hard

    more than $2,250 a month

Compared with the typical household income in Cabot ($75,000 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,662
Principal & interest$1,379
Property tax$105
Home insurance$86
FHA mortgage insurance (MIP)$92

You need at least $7,256 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

Cabot and Lonoke County

Cabot is in Lonoke 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).

Cabot's own numbers

Typical home value
$207,300
Typical monthly rent
$1,110
Typical yearly household income
$75,000
Households that own their home
69%
Effective property tax rate
0.61%

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

Numbers for all of Lonoke 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)
+41%
Homes in a high flood-risk zone
5.8%

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 Lonoke County.

Everything about Lonoke County

Buying

Buying a home in Cabot

A typical home in Cabot is worth $207,300: 7% above the county and 10% above Arkansas. With the typical household income in Cabot ($75,000 a year), a typical home costs 2.8 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.

  • Cabot 2.8 years
  • Lonoke 2.7 years
  • Arkansas 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Lonoke County

According to FHFA’s house price index, home prices in Lonoke County rose 57% in the 10 years through 2025.

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

Period County Arkansas U.S.
Last year (2025) −1.3% +3.4% +2.9%
5 years (2020–2025) +41% +52% +47%
10 years (2015–2025) +57% +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

Cabot next to Lonoke 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
  • Cabot $207,300
  • Lonoke $193,600
  • Arkansas $188,000
  • United States $332,700
Typical monthly rent
  • Cabot $1,110
  • Lonoke $1,025
  • Arkansas $947
  • United States $1,413
Typical yearly household income
  • Cabot $75,000
  • Lonoke $72,828
  • Arkansas $60,773
  • United States $80,734
See the full table
Cabot next to Lonoke County and Arkansas
Measure Cabot Lonoke County Arkansas U.S.
Typical home value $207,300 $193,600 $188,000 $332,700
Typical monthly rent $1,110 $1,025 $947 $1,413
Typical yearly household income $75,000 $72,828 $60,773 $80,734
Households that own their home 69% 75% 66% 65%
Typical yearly property tax $1,266 $1,211 $1,040 $3,119
Effective property tax rate 0.61% 0.63% 0.55% 0.94%
Renters with high rent for their income 49% 40% 45% 51%

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

For a typical $207,300 home in Cabot, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cabot's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,662a month

    Least cash to close
    Down payment
    $7,256
    Cash to close
    $13,475
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $92

  • Conventional, 5% down $1,624a month

    Down payment
    $10,365
    Cash to close
    $16,584
    Rate
    7.18%
    Mortgage insurance
    PMI · $98

  • Conventional, 20% down, no PMI $1,315a month

    Down payment
    $41,460
    Cash to close
    $47,679
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,507a month

    Down payment
    $31,095
    Cash to close
    $37,314
    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 Cabot and for Lonoke County.

Property tax

Effective rate in Cabot

0.61%of the home’s value each year

$1,266 a year for the typical owner in Cabot.

  • Cabot 0.61%
  • Lonoke 0.63%
  • 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 Lonoke County

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

Homes in the high-risk zone
5.8%
1,598
Of those, with NFIP insurance
8.1%
County Arkansas U.S.
Homes in the high-risk zone 5.8% 3.4% 3.5%
Of those, with NFIP insurance 8.1% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cabot

Typical rent in Cabot is $1,110 a month: 8% above the county. In Cabot, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lonoke 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.

HUD fair market rent for all of Lonoke 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 $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 Cabot

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cabot is in ZIP code 72023.

For 2 bedrooms it is $1,140: $19 more than the fair market rent for Lonoke County ($1,121).

  • 72023 $1,140$1,530

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cabot 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 Cabot

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

  • Cabot Housing 100 Rodney Guthrie Dr, Cabot 72023 68 homes, 67 low-income · For older adults (501) 843-3976
  • Orchards at Cabot 555 E Mountain Springs Rd, Cabot 72023 36 homes, 34 low-income · Studio: 2 · 1 bd: 13 · 2 bd: 24 · In service since 2011
  • Gordon Tubbs Residential Facility 412 Cleveland St, Cabot 72023 10 low-income homes · For people with disabilities (501) 843-6611

See all 8 buildings in Lonoke County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Cabot

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 Lonoke 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 Cabot

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

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

  • Community Resources Technicians, Inc.

    800 Scott St, Little Rock · 21 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (501) 372-2611

  • NSC (naca Counseling Subsidiary) - Little Rock, AR

    1501 N University Ave Ste 680, Little Rock · 23 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (501) 492-0083

  • Southern Bancorp Community Partners

    3999 W 12th St, Little Rock · 23 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 Cabot

1 of the 3 agencies on this list says it serves 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 Cabot

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

  • Lonoke County Housing Authority Public housing and Section 8 vouchers (870) 552-3554

One other authority has an office in Lonoke County: see the list Source: HUD

Cities

Other cities in Lonoke County

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

Everything about Lonoke County Housing in Arkansas

Nearby cities

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

Neighboring counties

If Lonoke 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 Cabot.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Cabot

Short answers with the numbers for Cabot and all of Lonoke 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 Cabot?

The typical home value in Cabot is $207,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lonoke County it is $193,600.

How much does it cost to rent in Cabot?

Typical rent in Cabot is $1,110 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lonoke County is $1,121.

What is the FHA loan limit in Cabot?

Cabot uses the FHA limit for all of Lonoke 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 Cabot?

The typical homeowner in Cabot pays $1,266 a year, according to the U.S. Census Bureau. That is 0.61% of the home’s value; in Lonoke County, the rate is 0.63%.

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

We found no HUD-approved counseling agencies with an office in Lonoke 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).