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City · 7,161 residents · Cleburne County, Arkansas

Heber Springs , Arkansas

In Heber Springs, a typical home is worth $176,300 and typical rent is $847 a month. Compared with all of Cleburne County, typical household income is 9% lower and the share of households that own their home is 13 points lower.

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  • Typical home value

    $176,300

    About the same as the county

    6% below Arkansas

    • Heber Springs
    • Cleburne
    • Arkansas

  • Typical rent

    $847a month

    About the same as the county

    11% below Arkansas

    • Heber Springs
    • Cleburne
    • Arkansas

  • Typical household income

    $50,636a year

    9% below the county

    17% below Arkansas

    • Heber Springs
    • Cleburne
    • Arkansas

  • Households that own their home

    68%

    13 points below the county

    1 points above Arkansas

    • Heber Springs
    • Cleburne
    • Arkansas

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

Market now, with Zillow data

Zillow data
Typical home value
$253,618
2.4% more than 12 months ago

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

Heber Springs is in Cleburne 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 Cleburne County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Heber Springs apart

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

  1. 68% of households in Heber Springs own their home, against 81% in Cleburne County.

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

The homes here

Housing in Heber Springs

What homes there are in Heber Springs, 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 houses, standing on their own, make up 81% of homes here, against 75% in Cleburne County.

Year built

In Heber Springs, half of the homes were built before 1979; in Cleburne County, before 1989.

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

With an FHA limit of $541,287, at least 89% of owner-occupied homes in Heber Springs sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,077 a month

Cleburne County: $1,178 a month

Without a mortgage

$397 a month

Cleburne County: $427 a month

Owners with a mortgage

44%

Cleburne County: 46%

The typical cost for an owner with a mortgage in Heber Springs is $1,077 a month, less than in Cleburne County ($1,178); without one, $397.

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

The typical home value in Heber Springs rose 45% since 2015–2019, more than in Cleburne County (38%).

Much as in Cleburne County, the typical rent in Heber Springs rose 20% since 2015–2019.

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

MeasureHeber SpringsCleburne CountyArkansasUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.4%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 2.182.372.462.53
Drive alone 77%82%79%69%
Carpool 12%9%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home 10%7%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutesUnreliable estimate10 to 19 minutes20 to 29 minutes

Fewer people live in each home here: 2.18 on average, against 2.37 in Cleburne County.

In Heber Springs, 77% of workers drive alone to work; in Cleburne County, 82%.

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 Heber Springs?

A typical home is tight for the typical income

We start with a typical home in Heber Springs, worth $176,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Heber Springs, which is $50,636 a year. For that payment to be 28% of income, a household would need to earn about $59,330 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Heber Springs. 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 $6,171 (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

$1,384

at 7.18% · 30 years

Loan amount
$173,106
Total interest
$249,059
Paid off in
November 2056

Includes $2,977 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,182 a month

  • Tight

    $1,182 to $1,519 a month

    Your payment · 33%

  • Hard

    more than $1,519 a month

Compared with the typical household income in Heber Springs ($50,636 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,384
Principal & interest$1,173
Property tax$60
Home insurance$74
FHA mortgage insurance (MIP)$78

You need at least $6,171 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

Heber Springs and Cleburne County

Heber Springs is in Cleburne 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).

Heber Springs's own numbers

Typical home value
$176,300
Typical monthly rent
$847
Typical yearly household income
$50,636
Households that own their home
68%
Effective property tax rate
0.41%

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

Numbers for all of Cleburne County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$997
Price change over 5 years (FHFA)
+58%
Homes in a high flood-risk zone
5.4%

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 Cleburne County.

Everything about Cleburne County

Buying

Buying a home in Heber Springs

A typical home in Heber Springs is worth $176,300: about the same as the county and 6% below Arkansas. With the typical household income in Heber Springs ($50,636 a year), a typical home costs 3.5 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.

  • Heber Springs 3.5 years
  • Cleburne 3.2 years
  • Arkansas 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Cleburne County

According to FHFA’s house price index, home prices in Cleburne County rose 76% in the 10 years through 2025.

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

Period County Arkansas U.S.
Last year (2025) +6.6% +3.4% +2.9%
5 years (2020–2025) +58% +52% +47%
10 years (2015–2025) +76% +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

Heber Springs next to Cleburne 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
  • Heber Springs $176,300
  • Cleburne $179,800
  • Arkansas $188,000
  • United States $332,700
Typical monthly rent
  • Heber Springs $847
  • Cleburne $859
  • Arkansas $947
  • United States $1,413
Typical yearly household income
  • Heber Springs $50,636
  • Cleburne $55,798
  • Arkansas $60,773
  • United States $80,734
See the full table
Heber Springs next to Cleburne County and Arkansas
Measure Heber Springs Cleburne County Arkansas U.S.
Typical home value $176,300 $179,800 $188,000 $332,700
Typical monthly rent $847 $859 $947 $1,413
Typical yearly household income $50,636 $55,798 $60,773 $80,734
Households that own their home 68% 81% 66% 65%
Typical yearly property tax $725 $815 $1,040 $3,119
Effective property tax rate 0.41% 0.45% 0.55% 0.94%
Renters with high rent for their income 45% 45% 45% 51%

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

For a typical $176,300 home in Heber Springs, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Heber Springs's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,384a month

    Least cash to close
    Down payment
    $6,171
    Cash to close
    $11,460
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $78

  • Conventional, 5% down $1,352a month

    Down payment
    $8,815
    Cash to close
    $14,104
    Rate
    7.18%
    Mortgage insurance
    PMI · $84

  • Conventional, 20% down, no PMI $1,089a month

    Down payment
    $35,260
    Cash to close
    $40,549
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,252a month

    Down payment
    $26,445
    Cash to close
    $31,734
    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 Heber Springs and for Cleburne County.

Property tax

Effective rate in Heber Springs

0.41%of the home’s value each year

$725 a year for the typical owner in Heber Springs.

  • Heber Springs 0.41%
  • Cleburne 0.45%
  • 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 Cleburne County

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

Homes in the high-risk zone
5.4%
873
Of those, with NFIP insurance
12%
County Arkansas U.S.
Homes in the high-risk zone 5.4% 3.4% 3.5%
Of those, with NFIP insurance 12% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Heber Springs

Typical rent in Heber Springs is $847 a month: about the same as the county. In Heber Springs, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Cleburne County, by unit size. To pay the 2-bedroom one ($997 a month) without spending more than 30% of your income, you would need to earn $19.17 an hour working full time.

HUD fair market rent for all of Cleburne 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 $694 $13.35 $27,760
1 bedroom $762 $14.65 $30,480
2 bedrooms $997 $19.17 $39,880
3 bedrooms $1,290 $24.81 $51,600
4 bedrooms $1,355 $26.06 $54,200

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 Heber Springs

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Heber Springs is in ZIP code 72543.

For 2 bedrooms it is $980: $17 less than the fair market rent for Cleburne County ($997).

  • 72543 $980$1,270

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

HUD lists 2 buildings with rents for lower incomes in Heber Springs. These are the largest.

  • Heber Springs Housing Authority 1 Park Cir, Heber Springs 72543 70 low-income homes · Run by Housing Authority of the City of Heber Springs · Average payment: $436 a month · Average wait: 42 months · Homes at several sites (501) 362-6108
  • Valley Estates of Heber Springs 723 N Van Buren St, Heber Springs 72543 48 homes, 38 low-income · 1 bd: 8 · 2 bd: 17 · 3 bd: 23 · In service since 2010

See all 3 buildings in Cleburne County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Heber Springs

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 Cleburne 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 Heber Springs

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

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

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

    1501 N University Ave Ste 680, Little Rock · 54 miles away · Spanish

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

  • Community Resources Technicians, Inc.

    800 Scott St, Little Rock · 54 miles away

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

  • Southern Bancorp Community Partners

    3999 W 12th St, Little Rock · 55 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 Heber Springs

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 Heber Springs

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

  • Housing Authority of the City of Heber Springs Public housing (501) 362-6108

All housing agencies in Arkansas Source: HUD

Cities

Nearby cities

The cities closest to Heber Springs, with the typical home value.

Everything about Cleburne County Housing in Arkansas

Neighboring counties

If Cleburne 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 Heber Springs.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Heber Springs

Short answers with the numbers for Heber Springs and all of Cleburne 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 Heber Springs?

The typical home value in Heber Springs is $176,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cleburne County it is $179,800.

How much does it cost to rent in Heber Springs?

Typical rent in Heber Springs is $847 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cleburne County is $997.

What is the FHA loan limit in Heber Springs?

Heber Springs uses the FHA limit for all of Cleburne 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 Heber Springs?

The typical homeowner in Heber Springs pays $725 a year, according to the U.S. Census Bureau. That is 0.41% of the home’s value; in Cleburne County, the rate is 0.45%.

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

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