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City · 203,436 residents · Pulaski County, Arkansas

Little Rock , Arkansas

In Little Rock, a typical home is worth $236,400 and typical rent is $1,106 a month. Compared with all of Pulaski County, the typical home value is 10% higher.

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  • Typical home value

    $236,400

    10% above the county

    26% above Arkansas

    • Little Rock
    • Pulaski
    • Arkansas

  • Typical rent

    $1,106a month

    2% above the county

    17% above Arkansas

    • Little Rock
    • Pulaski
    • Arkansas

  • Typical household income

    $63,003a year

    About the same as the county

    4% above Arkansas

    • Little Rock
    • Pulaski
    • Arkansas

  • Households that own their home

    54%

    3 points below the county

    13 points below Arkansas

    • Little Rock
    • Pulaski
    • Arkansas

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

Market now, with Zillow data

Zillow data
Typical home value
$219,657
3.5% more than 12 months ago
Typical rent
$1,184 a month
1.8% more than 12 months ago

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

Little Rock is in Pulaski 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 Pulaski County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Little Rock apart

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

  1. Nearby, in North Little Rock, the typical home value is $178,900: 24% less than in Little Rock ($236,400).

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

The homes here

Housing in Little Rock

What homes there are in Little Rock, 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 still the most common home in Little Rock, but it weighs less than in Pulaski County: 60% against 64%.

Year built

In Little Rock, half of the homes were built before 1978; in Pulaski County, before 1981.

Homes in Little Rock are smaller: 56% have 3 bedrooms or more; in Pulaski County, 60%.

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

By price, most homes in Little Rock sit under the FHA limit for Pulaski County ($541,287): about 87%.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Pulaski County is $1,121: about 50% of rents in Little Rock are below it.

With a mortgage

$1,646 a month

Pulaski County: $1,493 a month

Without a mortgage

$559 a month

Pulaski County: $507 a month

Owners with a mortgage

62%

Pulaski County: 61%

In Little Rock, 62% of owners have a mortgage, and their typical cost is $1,646 a month, against $1,493 in Pulaski County. Without one it drops to $559.

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 Little Rock rose 41% since 2015–2019, more than in Pulaski County (37%).

The typical rent in Little Rock rose 27% since 2015–2019, about the same as in Pulaski County (25%).

The typical household income in Little Rock rose 22%: less than home values (+41%) and rent (+27%).

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

MeasureLittle RockPulaski CountyArkansasUnited States
Rental vacancy 9.7%8.7%6.4%5.5%
Homeowner vacancy 1.6%1.4%1.1%0.9%
More than one person per room 2.2%1.9%2.7%3.4%
People per household 2.262.272.462.53
Drive alone 76%76%79%69%
Carpool 9%9%9%9%
Public transit 1%1%0%3%
Walk or bike 2%1%2%3%
Work from home 12%12%9%15%
Other means 1%1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

The rental vacancy rate in Little Rock is 9.7%, higher than in Pulaski County (8.7%).

In Little Rock, 2.2% of households live with more than one person per room, about the same as in Pulaski County.

Much as in Pulaski County, a household in Little Rock has 2.26 people on average.

The car rules in Little Rock: 76% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Little Rock?

A typical home costs more than the typical income allows

We start with a typical home in Little Rock, worth $236,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Little Rock, which is $63,003 a year. For that payment to be 28% of income, a household would need to earn about $82,847 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Little Rock. 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 $8,274 (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

$1,933

at 7.18% · 30 years

Loan amount
$232,118
Total interest
$333,964
Paid off in
November 2056

Includes $3,992 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,470 a month

  • Tight

    $1,470 to $1,890 a month

  • Hard

    more than $1,890 a month

    Your payment · 37%

Compared with the typical household income in Little Rock ($63,003 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,933
Principal & interest$1,572
Property tax$158
Home insurance$99
FHA mortgage insurance (MIP)$105

You need at least $8,274 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

Little Rock and Pulaski County

Little Rock is in Pulaski 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).

Little Rock's own numbers

Typical home value
$236,400
Typical monthly rent
$1,106
Typical yearly household income
$63,003
Households that own their home
54%
Effective property tax rate
0.8%

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

Numbers for all of Pulaski 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)
+39%
Homes in a high flood-risk zone
3.6%

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 Pulaski County.

Everything about Pulaski County

Buying

Buying a home in Little Rock

A typical home in Little Rock is worth $236,400: 10% above the county and 26% above Arkansas. With the typical household income in Little Rock ($63,003 a year), a typical home costs 3.8 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.

  • Little Rock 3.8 years
  • Pulaski 3.4 years
  • Arkansas 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Pulaski County

According to FHFA’s house price index, home prices in Pulaski County rose 55% in the 10 years through 2025.

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

Period County Arkansas U.S.
Last year (2025) +1.1% +3.4% +2.9%
5 years (2020–2025) +39% +52% +47%
10 years (2015–2025) +55% +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

Little Rock next to Pulaski 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
  • Little Rock $236,400
  • Pulaski $214,700
  • Arkansas $188,000
  • United States $332,700
Typical monthly rent
  • Little Rock $1,106
  • Pulaski $1,080
  • Arkansas $947
  • United States $1,413
Typical yearly household income
  • Little Rock $63,003
  • Pulaski $62,873
  • Arkansas $60,773
  • United States $80,734
See the full table
Little Rock next to Pulaski County and Arkansas
Measure Little Rock Pulaski County Arkansas U.S.
Typical home value $236,400 $214,700 $188,000 $332,700
Typical monthly rent $1,106 $1,080 $947 $1,413
Typical yearly household income $63,003 $62,873 $60,773 $80,734
Households that own their home 54% 57% 66% 65%
Typical yearly property tax $1,902 $1,642 $1,040 $3,119
Effective property tax rate 0.8% 0.76% 0.55% 0.94%
Renters with high rent for their income 49% 48% 45% 51%

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

For a typical $236,400 home in Little Rock, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Little Rock's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,933a month

    Least cash to close
    Down payment
    $8,274
    Cash to close
    $15,366
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $105

  • Conventional, 5% down $1,890a month

    Down payment
    $11,820
    Cash to close
    $18,912
    Rate
    7.18%
    Mortgage insurance
    PMI · $112

  • Conventional, 20% down, no PMI $1,537a month

    Down payment
    $47,280
    Cash to close
    $54,372
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,756a month

    Down payment
    $35,460
    Cash to close
    $42,552
    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 Little Rock and for Pulaski County.

Property tax

Effective rate in Little Rock

0.8%of the home’s value each year

$1,902 a year for the typical owner in Little Rock.

  • Little Rock 0.8%
  • Pulaski 0.76%
  • 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 Pulaski County

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

Homes in the high-risk zone
3.6%
5,163
Of those, with NFIP insurance
22%
County Arkansas U.S.
Homes in the high-risk zone 3.6% 3.4% 3.5%
Of those, with NFIP insurance 22% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Little Rock

Typical rent in Little Rock is $1,106 a month: 2% above the county. In Little Rock, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Pulaski 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 Pulaski 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 Little Rock

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Little Rock has 9 ZIP codes with their own.

For 2 bedrooms it runs from $1,050 in 72209 to $1,430 in 72201.

6 of the 9 are above the fair market rent for Pulaski County ($1,121).

  • 72201 $1,430$1,920
  • 72202 $1,180$1,580
  • 72204 $1,130$1,520
  • 72205 $1,190$1,600
  • 72207 $1,060$1,420
  • 72209 $1,050$1,410
  • 72211 $1,230$1,650
  • 72212 $1,160$1,560
  • 72227 $1,100$1,480

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

HUD lists 54 buildings with rents for lower incomes in Little Rock. These are the largest.

  • Spanish Jon's Apartments 5001 W 65th St, Little Rock 72209 224 low-income homes · 1 bd: 96 · 2 bd: 96 · 3 bd: 32 · In service since 2008
  • ST John's Apts 5001 W 65th St, Little Rock 72209 224 low-income homes · 1 bd: 96 · 2 bd: 96 · 3 bd: 32 · In service since 2009 · For families
  • Good Shepherd Ecumenical Retirement Center 2701 Aldersgate Rd, Little Rock 72205 200 homes, 199 low-income · For older adults (501) 224-7200
  • Cumberland Towers 311 E 8th St, Little Rock 72202 178 low-income homes · Studio: 110 · 1 bd: 64 · 2 bd: 4 · In service since 2019
  • Jesse Powell Towers 1010 Wolfe St, Little Rock 72202 169 low-income homes · Studio: 100 · 1 bd: 63 · 2 bd: 6

See all 109 buildings in Pulaski County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Little Rock

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 are 4 HUD-approved agencies with an office in Pulaski County; 2 say they serve in Spanish.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Little Rock

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

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

  • In Affordable Housing, Incorporated

    3224 Shackleford Pass, Little Rock · 2 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 · 2 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (501) 406-6000

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

    1501 N University Ave Ste 680, Little Rock · 3 miles away · Spanish

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

Every agency in Pulaski County All counseling agencies in Arkansas

Help in Spanish near Little Rock

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 Little Rock

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

  • Housing Authority of the City of Little Rock Public housing and Section 8 vouchers (501) 340-4821

2 other authorities have an office in Pulaski County: see the list Source: HUD

Cities

Other cities in Pulaski County

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

Everything about Pulaski County Housing in Arkansas

Nearby cities

The cities closest to Little Rock, with the typical home value.

Neighboring counties

If Pulaski 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 Little Rock.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Little Rock

Short answers with the numbers for Little Rock and all of Pulaski 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 Little Rock?

The typical home value in Little Rock is $236,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Pulaski County it is $214,700.

How much does it cost to rent in Little Rock?

Typical rent in Little Rock is $1,106 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Pulaski County is $1,121.

What is the FHA loan limit in Little Rock?

Little Rock uses the FHA limit for all of Pulaski 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 Little Rock?

The typical homeowner in Little Rock pays $1,902 a year, according to the U.S. Census Bureau. That is 0.8% of the home’s value; in Pulaski County, the rate is 0.76%.

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

There are 4 HUD-approved counseling agencies with an office in Pulaski County. 2 say they serve in Spanish. 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).