In Centerton, a typical home is worth $338,500 and typical rent is $1,465 a month. Compared with all of Benton County, typical household income is 24% higher and typical rent is 15% higher.
Typical home value from Zillow, September 2021 to September 2026: from $261,979 to $345,839.
Typical rent
$1,565a month
= about the same as 12 months ago
Typical rent from Zillow, December 2021 to September 2026: from $1,323 to $1,565.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Centerton is in Benton 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 Benton County. See the county
What this place has that others do not, from public data, most unusual first.
1
Centerton has the 2nd highest typical household income of the 71 cities in Arkansas with more than 5,000 people ($115,713).
2
Centerton has the 3rd highest typical rent of the 71 cities in Arkansas with more than 5,000 people ($1,465).
3
Centerton has the 4th smallest share of rent-burdened renters of the 65 cities in Arkansas with more than 5,000 people (28%).
4
Nearby, in Lowell, the typical rent is $1,136: 22% less than in Centerton ($1,465).
5
According to Zillow, in the 12 months to September 2026 the typical home value in Centerton fell 0.5%; in Arkansas, it rose 3.4%.
6
Centerton has the 5th highest typical home value of the 71 cities in Arkansas with more than 5,000 people ($338,500).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Centerton
What homes there are in Centerton, 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
Centerton
Benton County
Arkansas
United States
Kind of home: Centerton and its comparisons
Measure
Centerton
Benton County
Arkansas
United States
Detached house
79%
74%
70%
61%
Attached house
12%
6%
2%
6%
Building of 2 to 4
Unreliable estimate
5%
7%
8%
Apartments (5 or more)
Unreliable estimate
12%
11%
19%
Mobile home
Unreliable estimate
4%
11%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Centerton, 8 in 10 homes are single-family detached houses; in Benton County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Centerton
Benton County
Arkansas
United States
Year built: Centerton and its comparisons
Measure
Centerton
Benton County
Arkansas
United States
Before 1960
Unreliable estimate
5%
13%
26%
1960–1979
Unreliable estimate
13%
26%
24%
1980–1999
13%
30%
30%
25%
2000–2009
38%
25%
16%
14%
2010 or later
46%
27%
14%
11%
The typical home in Centerton was built in 2009, 8 years after the typical one in Benton County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K9%
$200K–$300K32%
$300K–$500K29%
$500K–$750K20%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Centerton and its comparisons
Measure
Centerton
Under $100K
Unreliable estimate
$100K–$200K
9%
$200K–$300K
32%
$300K–$500K
29%
$500K–$750K
20%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49950%
$1,500–$1,99938%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Centerton and its comparisons
Measure
Centerton
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
50%
$1,500–$1,999
38%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,879 a month
Benton County: $1,717 a month
Without a mortgage
$555 a month
Benton County: $531 a month
Owners with a mortgage
82%
Benton County: 65%
The typical cost for an owner with a mortgage in Centerton is $1,879 a month, more than in Benton County ($1,717); without one, $555.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Centerton+83%
Benton County+76%
Arkansas+47%
United States+53%
Typical rent
Centerton+34%
Benton County+41%
Arkansas+27%
United States+33%
Typical household income
Centerton+53%
Benton County+41%
Arkansas+28%
United States+29%
Change since 2015–2019: Centerton and its comparisons
Measure
Centerton
Benton County
Arkansas
United States
Typical home value
+83%
+76%
+47%
+53%
Typical rent
+34%
+41%
+27%
+33%
Typical household income
+53%
+41%
+28%
+29%
The typical home value in Centerton rose 83% since 2015–2019, more than in Benton County (76%).
Since 2015–2019, the typical rent in Centerton rose 34%, less than in Benton County (41%).
To compare: typical income in Centerton rose 53%; the home, +83%; the rent, +34%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Centerton and its comparisons
Measure
Centerton
Benton County
Arkansas
United States
Rental vacancy
Unreliable estimate
4.7%
6.4%
5.5%
Homeowner vacancy
Unreliable estimate
1.0%
1.1%
0.9%
More than one person per room
Unreliable estimate
3.8%
2.7%
3.4%
People per household
2.78
2.69
2.46
2.53
Drive alone
72%
75%
79%
69%
Carpool
8%
7%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
17%
16%
9%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
Much as in Benton County, a household in Centerton has 2.78 people on average.
In Centerton, 72% of workers drive alone to work; in Benton County, 75%.
Do the math
What would you pay each month for a home in Centerton?
A typical home is tight for the typical income
We start with a typical home in Centerton, worth $338,500, 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 Centerton, which is $115,713 a year. For that payment to be 28% of income, a household would need to earn about $116,211 a year.
The calculator's FHA and conventional loan limits are those of all of Benton 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 Centerton. 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 $11,848 (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
$2,712
at 7.18% · 30 years
Loan amount
$332,368
Total interest
$478,200
Paid off in
November 2056
Includes $5,716 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,700 a month
Tight
$2,700 to $3,471 a month
Your payment · 28%
Hard
more than $3,471 a month
Compared with the typical household income in Centerton ($115,713 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,252
Property tax
$169
Home insurance
$141
FHA mortgage insurance (MIP)
$150
You need at least $11,848 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 $2,712; principal and interest $2,252.
The city and its county
Centerton and Benton County
Centerton is in Benton 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).
Centerton
Map of Benton County, Arkansas, with Centerton marked. Around it, the neighboring counties.
Centerton
Benton County
Other cities with a page
Centerton's own numbers
Typical home value
$338,500
Typical monthly rent
$1,465
Typical yearly household income
$115,713
Households that own their home
66%
Effective property tax rate
0.6%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Benton County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,256
Price change over 5 years (FHFA)
+77%
Homes in a high flood-risk zone
1.1%
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 Benton County.
A typical home in Centerton is worth $338,500: 5% above the county and 80% above Arkansas. With the typical household income in Centerton ($115,713 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.
Centerton2.9 years
Benton3.5 years
Arkansas3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Benton County
According to FHFA’s house price index, home prices in Benton County rose 135% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Benton County.
Yearly change in FHFA’s price index in Benton County, 2016 to 2025
2016: +6.4% +6.4% 2016
2017: +7.4% +7.4% 2017
2018: +6.4% +6.4% 2018
2019: +4.9% +4.9% 2019
2020: +4.4% +4.4% 2020
2021: +16.8% +16.8% 2021
2022: +23.9% +23.9% 2022
2023: +11.6% +11.6% 2023
2024: +4.5% +4.5% 2024
2025: +4.7% +4.7% 2025
Change in FHFA’s price index in Benton County, Arkansas and the United States
Period
County
Arkansas
U.S.
Last year (2025)
+4.7%
+3.4%
+2.9%
5 years (2020–2025)
+77%
+52%
+47%
10 years (2015–2025)
+135%
+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
Centerton next to Benton 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
Centerton$338,500
Benton$323,500
Arkansas$188,000
United States$332,700
Typical monthly rent
Centerton$1,465
Benton$1,277
Arkansas$947
United States$1,413
Typical yearly household income
Centerton$115,713
Benton$93,506
Arkansas$60,773
United States$80,734
See the full table
Centerton next to Benton County and Arkansas
Measure
Centerton
Benton County
Arkansas
U.S.
Typical home value
$338,500 ▲5% above the county
$323,500
$188,000
$332,700
Typical monthly rent
$1,465 ▲15% above the county
$1,277
$947
$1,413
Typical yearly household income
$115,713 ▲24% above the county
$93,506
$60,773
$80,734
Households that own their home
66% ▼1 points below the county
67%
66%
65%
Typical yearly property tax
$2,031 ▲11% above the county
$1,823
$1,040
$3,119
Effective property tax rate
0.6% ▲0.04 points above the county
0.56%
0.55%
0.94%
Renters with high rent for their income
28% ▼5 points below the county
33%
45%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Benton 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 Centerton
For a typical $338,500 home in Centerton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Centerton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,712a month
Least cash to close
Down payment
$11,848
Cash to close
$22,003
Rate
7.18%
Mortgage insurance
FHA MIP · $150
Conventional, 5% down$2,650a month
Down payment
$16,925
Cash to close
$27,080
Rate
7.18%
Mortgage insurance
PMI · $161
Conventional, 20% down, no PMI$2,145a month
Down payment
$67,700
Cash to close
$77,855
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,458a month
Down payment
$50,775
Cash to close
$60,930
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Centerton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,712
$11,848
$332,369
7.18%
FHA MIP · $150
$22,003
580
Conventional, 5% down
$2,650
$16,925
$321,575
7.18%
PMI · $161
$27,080
620*
Conventional, 20% down, no PMI
$2,145
$67,700
$270,800
7.18%
None
$77,855
620*
ITIN, 15% down (example)
$2,458
$50,775
$287,725
8.18%
None
$60,930
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 Centerton is $1,465 a month: 15% above the county. In Centerton, 28% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Benton County, by unit size. To pay the 2-bedroom one ($1,256 a month) without spending more than 30% of your income, you would need to earn $24.15 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 Benton County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$916
$17.62
$36,640
1 bedroom
$1,056
$20.31
$42,240
2 bedrooms
$1,256
$24.15
$50,240
3 bedrooms
$1,739
$33.44
$69,560
4 bedrooms
$2,099
$40.37
$83,960
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 Centerton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Centerton has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,490 in 72713 to $1,580 in 72719.
2 of the 2 are above the fair market rent for Benton County ($1,256).
Fair market rent by ZIP code and size in Centerton, fiscal year 2027.
72713
$1,090
$1,250
$1,490
$2,060
$2,490
72719
$1,150
$1,330
$1,580
$2,190
$2,640
ZIP code2 bd3 bd
72713 $1,490$2,060
72719 $1,580$2,190
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Centerton 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)
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 Benton County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Centerton or Benton County. The ones below are statewide in Arkansas: they work in Centerton 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 Centerton or Benton 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 Centerton and all of Benton 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 Centerton?
The typical home value in Centerton is $338,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Benton County it is $323,500.
How much does it cost to rent in Centerton?
Typical rent in Centerton is $1,465 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Benton County is $1,256.
What is the FHA loan limit in Centerton?
Centerton uses the FHA limit for all of Benton 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 Centerton?
The typical homeowner in Centerton pays $2,031 a year, according to the U.S. Census Bureau. That is 0.6% of the home’s value; in Benton County, the rate is 0.56%.
Where can I find free help to buy or rent in Centerton?
There is 1 HUD-approved counseling agency with an office in Benton County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
