Español

Este sitio también está en español. Leer en español

City · 10,307 residents · Ouachita County, Arkansas

Camden , Arkansas

In Camden, a typical home is worth $107,400 and typical rent is $768 a month. Compared with all of Ouachita County, the typical home value is 5% higher and the share of households that own their home is 12 points lower.

WhatsApp

  • Typical home value

    $107,400

    5% above the county

    43% below Arkansas

    • Camden
    • Ouachita
    • Arkansas

  • Typical rent

    $768a month

    About the same as the county

    19% below Arkansas

    • Camden
    • Ouachita
    • Arkansas

  • Typical household income

    $49,361a year

    About the same as the county

    19% below Arkansas

    • Camden
    • Ouachita
    • Arkansas

  • Households that own their home

    59%

    12 points below the county

    7 points below Arkansas

    • Camden
    • Ouachita
    • Arkansas

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

Market now, with Zillow data

Zillow data
Typical home value
$110,431
3.2% more than 12 months ago

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

Camden is in Ouachita 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 Ouachita County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Camden apart

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

  1. Nearby, in Warren, the typical home value is $76,700: 29% less than in Camden ($107,400).

  2. Nearby, in Magnolia, the typical rent is $633: 18% less than in Camden ($768).

  3. 59% of households in Camden own their home, against 71% in Ouachita County.

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

The homes here

Housing in Camden

What homes there are in Camden, 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 Camden, 8 in 10 homes are single-family detached houses; in Ouachita County, 7.

Year built

The typical home in Camden was built in 1969, 5 years before the typical one in Ouachita County.

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

$1,018 a month

Ouachita County: $1,076 a month

Without a mortgage

$423 a month

Ouachita County: $412 a month

Owners with a mortgage

55%

Ouachita County: 43%

Owning costs less in Camden: with a mortgage, the typical cost is $1,018 a month; in Ouachita County, $1,076. Without one, $423.

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 Camden rose 40%; in Ouachita County, it rose 36%.

Since 2015–2019, the typical rent in Camden rose 50%, more than in Ouachita County (46%).

The typical household income in Camden rose 64%: more than home values (+40%) and rent (+50%).

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

MeasureCamdenOuachita CountyArkansasUnited States
Rental vacancy Unreliable estimate12.8%6.4%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.7%3.4%
People per household 2.442.522.462.53
Drive alone 81%83%79%69%
Carpool 11%10%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimate5%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate10 to 19 minutes20 to 29 minutes

A household in Camden has 2.44 people on average, about the same as in Ouachita County (2.52).

To get to work, 81% of workers in Camden drive alone; in Ouachita County, 83%.

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 Camden?

A typical home is within reach of the typical income

We start with a typical home in Camden, worth $107,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 21% of the typical household income in Camden, which is $49,361 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Camden. 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 $3,759 (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

$852

at 7.18% · 30 years

Loan amount
$105,455
Total interest
$151,725
Paid off in
November 2056

Includes $1,814 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,152 a month

    Your payment · 21%

  • Tight

    $1,152 to $1,481 a month

  • Hard

    more than $1,481 a month

Compared with the typical household income in Camden ($49,361 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$852
Principal & interest$714
Property tax$46
Home insurance$45
FHA mortgage insurance (MIP)$48

You need at least $3,759 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

Camden and Ouachita County

Camden is in Ouachita 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).

Camden's own numbers

Typical home value
$107,400
Typical monthly rent
$768
Typical yearly household income
$49,361
Households that own their home
59%
Effective property tax rate
0.51%

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

Numbers for all of Ouachita County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$909
Price change over 5 years (FHFA)
+47%
Homes in a high flood-risk zone
4.5%

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 Ouachita County.

Everything about Ouachita County

Buying

Buying a home in Camden

A typical home in Camden is worth $107,400: 5% above the county and 43% below Arkansas. With the typical household income in Camden ($49,361 a year), a typical home costs 2.2 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.

  • Camden 2.2 years
  • Ouachita 2.1 years
  • Arkansas 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Ouachita County

According to FHFA’s house price index, home prices in Ouachita County rose 69% in the 10 years through 2025.

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

Period County Arkansas U.S.
Last year (2025) +10.6% +3.4% +2.9%
5 years (2020–2025) +47% +52% +47%
10 years (2015–2025) +69% +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

Camden next to Ouachita 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
  • Camden $107,400
  • Ouachita $102,100
  • Arkansas $188,000
  • United States $332,700
Typical monthly rent
  • Camden $768
  • Ouachita $764
  • Arkansas $947
  • United States $1,413
Typical yearly household income
  • Camden $49,361
  • Ouachita $49,268
  • Arkansas $60,773
  • United States $80,734
See the full table
Camden next to Ouachita County and Arkansas
Measure Camden Ouachita County Arkansas U.S.
Typical home value $107,400 $102,100 $188,000 $332,700
Typical monthly rent $768 $764 $947 $1,413
Typical yearly household income $49,361 $49,268 $60,773 $80,734
Households that own their home 59% 71% 66% 65%
Typical yearly property tax $543 $525 $1,040 $3,119
Effective property tax rate 0.51% 0.51% 0.55% 0.94%
Renters with high rent for their income 49% 51% 45% 51%

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

For a typical $107,400 home in Camden, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Camden's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $852a month

    Least cash to close
    Down payment
    $3,759
    Cash to close
    $6,981
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $48

  • Conventional, 5% down $833a month

    Down payment
    $5,370
    Cash to close
    $8,592
    Rate
    7.18%
    Mortgage insurance
    PMI · $51

  • Conventional, 20% down, no PMI $672a month

    Down payment
    $21,480
    Cash to close
    $24,702
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $772a month

    Down payment
    $16,110
    Cash to close
    $19,332
    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 Camden and for Ouachita County.

Property tax

Effective rate in Camden

0.51%of the home’s value each year

$543 a year for the typical owner in Camden.

  • Camden 0.51%
  • Ouachita 0.51%
  • 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 Ouachita County

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

Homes in the high-risk zone
4.5%
394
Of those, with NFIP insurance
11%
County Arkansas U.S.
Homes in the high-risk zone 4.5% 3.4% 3.5%
Of those, with NFIP insurance 11% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Camden

Typical rent in Camden is $768 a month: about the same as the county. In Camden, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Ouachita County, by unit size. To pay the 2-bedroom one ($909 a month) without spending more than 30% of your income, you would need to earn $17.48 an hour working full time.

HUD fair market rent for all of Ouachita 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 $646 $12.42 $25,840
1 bedroom $721 $13.87 $28,840
2 bedrooms $909 $17.48 $36,360
3 bedrooms $1,192 $22.92 $47,680
4 bedrooms $1,274 $24.50 $50,960

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 Camden

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Camden is in ZIP code 71701.

For 2 bedrooms it is $920: $11 more than the fair market rent for Ouachita County ($909).

  • 71701 $920$1,200

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

HUD lists 5 buildings with rents for lower incomes in Camden. These are the largest.

  • Fortlookout Lincoln Center 100 Fort Lookout Mnr, Camden 71701 292 homes, 289 low-income · Run by Camden Housing Authority · Average payment: $270 a month · Average wait: 7 months · Homes at several sites (870) 836-9309
  • Ivery Heights Riverside 100 Carver Ct, Camden 71701 233 homes, 230 low-income · Run by Camden Housing Authority · Average payment: $284 a month · Average wait: 6 months · Homes at several sites (870) 836-9309
  • Garden Walk of Camden 850 Field Ave, Camden 71701 48 low-income homes · 2 bd: 34 · 3 bd: 14 · In service since 1992
  • Columbia Heights Apartments 465 Columbia Ave, Camden 71701 33 homes, 32 low-income · 1 bd: 30 · 2 bd: 2 · In service since 2016
  • Ouachita Group Living, Inc. 1450 Harper Ave, Camden 71701 15 homes, 14 low-income · For people with disabilities (870) 836-3435

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

Free help

Help to buy or rent in Camden

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 Ouachita County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Camden

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

The HUD-approved agencies closest to the center of Camden, 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 · 65 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 · 84 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 · 86 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 Camden

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 Camden

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

  • Camden Housing Authority Public housing and Section 8 vouchers (870) 836-9309

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

Cities

Nearby cities

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

Everything about Ouachita County Housing in Arkansas

Neighboring counties

If Ouachita 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 Camden.

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

Questions

Housing questions about Camden

Short answers with the numbers for Camden and all of Ouachita 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 Camden?

The typical home value in Camden is $107,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ouachita County it is $102,100.

How much does it cost to rent in Camden?

Typical rent in Camden is $768 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ouachita County is $909.

What is the FHA loan limit in Camden?

Camden uses the FHA limit for all of Ouachita 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 Camden?

The typical homeowner in Camden pays $543 a year, according to the U.S. Census Bureau. That is 0.51% of the home’s value; in Ouachita County, the rate is 0.51%.

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

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