In El Dorado, a typical home is worth $124,100 and typical rent is $880 a month. Compared with all of Union County, typical household income is 11% lower and the share of households that own their home is 15 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $136,024 to $133,033.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
El Dorado is in Union 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 Union County. See the county
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: 38% less than in El Dorado ($124,100).
2
Nearby, in Magnolia, the typical rent is $633: 28% less than in El Dorado ($880).
3
57% of households in El Dorado own their home, against 73% in Union County.
4
According to Zillow, in the 12 months to September 2026 the typical home value in El Dorado barely changed; in Arkansas, it rose 3.4%.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in El Dorado
What homes there are in El Dorado, 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
El Dorado
Union County
Arkansas
United States
Kind of home: El Dorado and its comparisons
Measure
El Dorado
Union County
Arkansas
United States
Detached house
78%
72%
70%
61%
Attached house
Unreliable estimate
Unreliable estimate
2%
6%
Building of 2 to 4
9%
4%
7%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
11%
19%
Mobile home
5%
20%
11%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In El Dorado, 8 in 10 homes are single-family detached houses; in Union County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
El Dorado
Union County
Arkansas
United States
Year built: El Dorado and its comparisons
Measure
El Dorado
Union County
Arkansas
United States
Before 1960
30%
21%
13%
26%
1960–1979
41%
30%
26%
24%
1980–1999
21%
26%
30%
25%
2000–2009
3%
12%
16%
14%
2010 or later
5%
11%
14%
11%
The typical home in El Dorado was built in 1970, 9 years before the typical one in Union 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 $100K36%
$100K–$200K40%
$200K–$300K14%
$300K–$500K7%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: El Dorado and its comparisons
Measure
El Dorado
Under $100K
36%
$100K–$200K
40%
$200K–$300K
14%
$300K–$500K
7%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 97% of owner-occupied homes in El Dorado sit below it: they are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50012%
$500–$99954%
HUD fair market rent, 2 bedrooms: $962
$1,000–$1,49929%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: El Dorado and its comparisons
Measure
El Dorado
Under $500
12%
$500–$999
54%
$1,000–$1,499
29%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
Measured against HUD's 2-bedroom fair market rent ($962), about 62% of rented homes in El Dorado cost less.
With a mortgage
$1,148 a month
Union County: $1,194 a month
Without a mortgage
$398 a month
Union County: $427 a month
Owners with a mortgage
52%
Union County: 44%
In El Dorado, 52% of owners have a mortgage; their typical cost is $1,148 a month, about the same as in Union County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
El Dorado+40%
Union County+40%
Arkansas+47%
United States+53%
Typical rent
El Dorado+29%
Union County+26%
Arkansas+27%
United States+33%
Typical household income
El DoradoNo clear change
Union County+24%
Arkansas+28%
United States+29%
Change since 2015–2019: El Dorado and its comparisons
Measure
El Dorado
Union County
Arkansas
United States
Typical home value
+40%
+40%
+47%
+53%
Typical rent
+29%
+26%
+27%
+33%
Typical household income
No clear change
+24%
+28%
+29%
The typical home value in El Dorado rose 40% since 2015–2019, about the same as in Union County (40%).
Since 2015–2019, the typical rent in El Dorado rose 29%, more than in Union County (26%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: El Dorado and its comparisons
Measure
El Dorado
Union County
Arkansas
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
6.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
3.1%
2.7%
3.4%
People per household
2.54
2.49
2.46
2.53
Drive alone
81%
85%
79%
69%
Carpool
7%
7%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
10%
7%
9%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
By size, households in El Dorado look like those in Union County: 2.54 people on average.
In El Dorado, 10% of workers work from home, more than in Union County (7%).
Do the math
What would you pay each month for a home in El Dorado?
A typical home is within reach of the typical income
We start with a typical home in El Dorado, worth $124,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 24% of the typical household income in El Dorado, which is $49,244 a year.
The calculator's FHA and conventional loan limits are those of all of Union 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 El Dorado. 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 $4,344 (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
$990
at 7.18% · 30 years
Loan amount
$121,852
Total interest
$175,316
Paid off in
November 2056
Includes $2,096 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,149 a month
Your payment · 24%
Tight
$1,149 to $1,477 a month
Hard
more than $1,477 a month
Compared with the typical household income in El Dorado ($49,244 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$825
Property tax
$58
Home insurance
$52
FHA mortgage insurance (MIP)
$55
You need at least $4,344 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 $990; principal and interest $825.
The city and its county
El Dorado and Union County
El Dorado is in Union 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).
El Dorado
Map of Union County, Arkansas, with El Dorado marked. Around it, the neighboring counties.
El Dorado
Union County
Other cities with a page
El Dorado's own numbers
Typical home value
$124,100
Typical monthly rent
$880
Typical yearly household income
$49,244
Households that own their home
57%
Effective property tax rate
0.56%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Union County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$962
Price change over 5 years (FHFA)
+23%
Homes in a high flood-risk zone
4.3%
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 Union County.
A typical home in El Dorado is worth $124,100: 3% above the county and 34% below Arkansas. With the typical household income in El Dorado ($49,244 a year), a typical home costs 2.5 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.
El Dorado2.5 years
Union2.2 years
Arkansas3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Union County
According to FHFA’s house price index, home prices in Union County rose 34% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Union County.
Yearly change in FHFA’s price index in Union County, 2016 to 2025
2016: +1.9% +1.9% 2016
2017: −0.4% −0.4% 2017
2018: +4.4% +4.4% 2018
2019: −0.4% −0.4% 2019
2020: +3.2% +3.2% 2020
2021: +6.2% +6.2% 2021
2022: +6.8% +6.8% 2022
2023: +5.9% +5.9% 2023
2024: +2.3% +2.3% 2024
2025: −0.3% −0.3% 2025
Change in FHFA’s price index in Union County, Arkansas and the United States
Period
County
Arkansas
U.S.
Last year (2025)
−0.3%
+3.4%
+2.9%
5 years (2020–2025)
+23%
+52%
+47%
10 years (2015–2025)
+34%
+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
El Dorado next to Union 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
El Dorado$124,100
Union$120,900
Arkansas$188,000
United States$332,700
Typical monthly rent
El Dorado$880
Union$847
Arkansas$947
United States$1,413
Typical yearly household income
El Dorado$49,244
Union$55,259
Arkansas$60,773
United States$80,734
See the full table
El Dorado next to Union County and Arkansas
Measure
El Dorado
Union County
Arkansas
U.S.
Typical home value
$124,100 ▲3% above the county
$120,900
$188,000
$332,700
Typical monthly rent
$880 ▲4% above the county
$847
$947
$1,413
Typical yearly household income
$49,244 ▼11% below the county
$55,259
$60,773
$80,734
Households that own their home
57% ▼15 points below the county
73%
66%
65%
Typical yearly property tax
$700 ▲2% above the county
$685
$1,040
$3,119
Effective property tax rate
0.56% ▼0.01 points below the county
0.57%
0.55%
0.94%
Renters with high rent for their income
49% ▲5 points above the county
44%
45%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Union 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 El Dorado
For a typical $124,100 home in El Dorado, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, El Dorado's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$990a month
Least cash to close
Down payment
$4,344
Cash to close
$8,067
Rate
7.18%
Mortgage insurance
FHA MIP · $55
Conventional, 5% down$967a month
Down payment
$6,205
Cash to close
$9,928
Rate
7.18%
Mortgage insurance
PMI · $59
Conventional, 20% down, no PMI$782a month
Down payment
$24,820
Cash to close
$28,543
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$897a month
Down payment
$18,615
Cash to close
$22,338
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in El Dorado
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$990
$4,344
$121,852
7.18%
FHA MIP · $55
$8,067
580
Conventional, 5% down
$967
$6,205
$117,895
7.18%
PMI · $59
$9,928
620*
Conventional, 20% down, no PMI
$782
$24,820
$99,280
7.18%
None
$28,543
620*
ITIN, 15% down (example)
$897
$18,615
$105,485
8.18%
None
$22,338
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 El Dorado is $880 a month: 4% above the county. In El Dorado, 49% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Union County, by unit size. To pay the 2-bedroom one ($962 a month) without spending more than 30% of your income, you would need to earn $18.50 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 Union County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$734
$14.12
$29,360
1 bedroom
$739
$14.21
$29,560
2 bedrooms
$962
$18.50
$38,480
3 bedrooms
$1,146
$22.04
$45,840
4 bedrooms
$1,349
$25.94
$53,960
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 El Dorado
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). El Dorado is in ZIP code 71730.
For 2 bedrooms it is $970: $8 more than the fair market rent for Union County ($962).
Fair market rent by ZIP code and size in El Dorado, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
71730
$740
$750
$970
$1,160
$1,360
ZIP code2 bd3 bd
71730 $970$1,160
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for El Dorado 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 11 buildings with rents for lower incomes in El Dorado. These are the largest.
Christopher Homes Inc.1323 W 5th St, El Dorado 71730418 homes, 414 low-income · For older adults(501) 268-7804
Hillsboro Townhouse Apartments1600 E Hillsboro St, El Dorado 71730152 homes, 150 low-income · For families(870) 862-9121
Mitchell Park1307 W 1st St, El Dorado 71730104 low-income homes · For families(870) 862-6061
Chapel Ridge of El Dorado Phase I301 Moorewood St, El Dorado 7173064 low-income homes · 1 bd: 16 · 2 bd: 32 · 3 bd: 16 · In service since 1999 · For families
Bradley Woods Apartments909 N Yocum Ave, El Dorado 7173056 low-income homes · For families(870) 862-5858
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 Union 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 El Dorado or Union County. The ones below are statewide in Arkansas: they work in El Dorado 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 El Dorado or Union 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 El Dorado and all of Union 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 El Dorado?
The typical home value in El Dorado is $124,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Union County it is $120,900.
How much does it cost to rent in El Dorado?
Typical rent in El Dorado is $880 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Union County is $962.
What is the FHA loan limit in El Dorado?
El Dorado uses the FHA limit for all of Union 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 El Dorado?
The typical homeowner in El Dorado pays $700 a year, according to the U.S. Census Bureau. That is 0.56% of the home’s value; in Union County, the rate is 0.57%.
Where can I find free help to buy or rent in El Dorado?
We found no HUD-approved counseling agencies with an office in Union County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
