In Lowell, a typical home is worth $284,200 and typical rent is $1,136 a month. Compared with all of Benton County, the typical home value is 12% lower and typical rent is 11% lower.
Typical home value from Zillow, September 2021 to September 2026: from $261,998 to $353,068.
Typical rent
$1,990a month
Typical rent from Zillow, March 2026 to September 2026: from $2,000 to $1,990.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Lowell 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
Lowell has the 3rd smallest share of rent-burdened renters of the 65 cities in Arkansas with more than 5,000 people (27%).
2
Lowell has the 5th highest typical household income of the 71 cities in Arkansas with more than 5,000 people ($95,527).
3
According to Zillow, in the 12 months to September 2026 the typical home value in Lowell 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 Lowell
What homes there are in Lowell, 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
Lowell
Benton County
Arkansas
United States
Kind of home: Lowell and its comparisons
Measure
Lowell
Benton County
Arkansas
United States
Detached house
78%
74%
70%
61%
Attached house
Unreliable estimate
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%
The detached house rules in Lowell: 78% of homes, more than in Benton County (74%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Lowell
Benton County
Arkansas
United States
Year built: Lowell and its comparisons
Measure
Lowell
Benton County
Arkansas
United States
Before 1960
Unreliable estimate
5%
13%
26%
1960–1979
Unreliable estimate
13%
26%
24%
1980–1999
37%
30%
30%
25%
2000–2009
22%
25%
16%
14%
2010 or later
29%
27%
14%
11%
The typical year built in Lowell is 2000, about the same as in Benton County (2001).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K12%
$200K–$300K40%
$300K–$500K27%
$500K–$750K13%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Lowell and its comparisons
Measure
Lowell
Under $100K
Unreliable estimate
$100K–$200K
12%
$200K–$300K
40%
$300K–$500K
27%
$500K–$750K
13%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99924%
$1,000–$1,49943%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Lowell and its comparisons
Measure
Lowell
Under $500
Unreliable estimate
$500–$999
24%
$1,000–$1,499
43%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,650 a month
Benton County: $1,717 a month
Without a mortgage
$457 a month
Benton County: $531 a month
Owners with a mortgage
78%
Benton County: 65%
The typical cost for an owner with a mortgage in Lowell is $1,650 a month, near the figure in Benton County ($1,717).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Lowell+80%
Benton County+76%
Arkansas+47%
United States+53%
Typical rent
Lowell+36%
Benton County+41%
Arkansas+27%
United States+33%
Typical household income
Lowell+40%
Benton County+41%
Arkansas+28%
United States+29%
Change since 2015–2019: Lowell and its comparisons
Measure
Lowell
Benton County
Arkansas
United States
Typical home value
+80%
+76%
+47%
+53%
Typical rent
+36%
+41%
+27%
+33%
Typical household income
+40%
+41%
+28%
+29%
From 2015–2019 to 2020–2024, the typical home value in Lowell rose 80%; in Benton County, it rose 76%.
Rents in Lowell rose more slowly than in Benton County: 36% since 2015–2019, against 41%.
While home values in Lowell changed +80% and rent +36%, the typical household income rose 40%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Lowell and its comparisons
Measure
Lowell
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
2.80
2.69
2.46
2.53
Drive alone
77%
75%
79%
69%
Carpool
6%
7%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
16%
16%
9%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
A household in Lowell has 2.80 people on average, about the same as in Benton County (2.69).
To get to work, 77% of workers in Lowell drive alone; in Benton County, 75%.
Do the math
What would you pay each month for a home in Lowell?
A typical home is tight for the typical income
We start with a typical home in Lowell, worth $284,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Lowell, which is $95,527 a year. For that payment to be 28% of income, a household would need to earn about $97,366 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 Lowell. 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 $9,947 (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
$2,272
at 7.18% · 30 years
Loan amount
$279,052
Total interest
$401,491
Paid off in
November 2056
Includes $4,799 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,229 a month
Tight
$2,229 to $2,866 a month
Your payment · 29%
Hard
more than $2,866 a month
Compared with the typical household income in Lowell ($95,527 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,890
Property tax
$137
Home insurance
$118
FHA mortgage insurance (MIP)
$126
You need at least $9,947 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 $2,272; principal and interest $1,890.
The city and its county
Lowell and Benton County
Lowell 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).
Lowell
Map of Benton County, Arkansas, with Lowell marked. Around it, the neighboring counties.
Lowell
Benton County
Other cities with a page
Lowell's own numbers
Typical home value
$284,200
Typical monthly rent
$1,136
Typical yearly household income
$95,527
Households that own their home
70%
Effective property tax rate
0.58%
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 Lowell is worth $284,200: 12% below the county and 51% above Arkansas. With the typical household income in Lowell ($95,527 a year), a typical home costs 3.0 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.
Lowell3.0 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
Lowell 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
Lowell$284,200
Benton$323,500
Arkansas$188,000
United States$332,700
Typical monthly rent
Lowell$1,136
Benton$1,277
Arkansas$947
United States$1,413
Typical yearly household income
Lowell$95,527
Benton$93,506
Arkansas$60,773
United States$80,734
See the full table
Lowell next to Benton County and Arkansas
Measure
Lowell
Benton County
Arkansas
U.S.
Typical home value
$284,200 ▼12% below the county
$323,500
$188,000
$332,700
Typical monthly rent
$1,136 ▼11% below the county
$1,277
$947
$1,413
Typical yearly household income
$95,527 ▲2% above the county
$93,506
$60,773
$80,734
Households that own their home
70% ▲3 points above the county
67%
66%
65%
Typical yearly property tax
$1,642 ▼10% below the county
$1,823
$1,040
$3,119
Effective property tax rate
0.58% ▲0.02 points above the county
0.56%
0.55%
0.94%
Renters with high rent for their income
27% ▼6 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 Lowell
For a typical $284,200 home in Lowell, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lowell's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,272a month
Least cash to close
Down payment
$9,947
Cash to close
$18,473
Rate
7.18%
Mortgage insurance
FHA MIP · $126
Conventional, 5% down$2,220a month
Down payment
$14,210
Cash to close
$22,736
Rate
7.18%
Mortgage insurance
PMI · $135
Conventional, 20% down, no PMI$1,796a month
Down payment
$56,840
Cash to close
$65,366
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,059a month
Down payment
$42,630
Cash to close
$51,156
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Lowell
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,272
$9,947
$279,052
7.18%
FHA MIP · $126
$18,473
580
Conventional, 5% down
$2,220
$14,210
$269,990
7.18%
PMI · $135
$22,736
620*
Conventional, 20% down, no PMI
$1,796
$56,840
$227,360
7.18%
None
$65,366
620*
ITIN, 15% down (example)
$2,059
$42,630
$241,570
8.18%
None
$51,156
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 Lowell is $1,136 a month: 11% below the county. In Lowell, 27% 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 Lowell
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lowell is in ZIP code 72745.
For 2 bedrooms it is $1,280: $24 more than the fair market rent for Benton County ($1,256).
Fair market rent by ZIP code and size in Lowell, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
72745
$930
$1,080
$1,280
$1,770
$2,140
ZIP code2 bd3 bd
72745 $1,280$1,770
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lowell 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 Lowell or Benton County. The ones below are statewide in Arkansas: they work in Lowell 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 Lowell 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 Lowell 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 Lowell?
The typical home value in Lowell is $284,200, 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 Lowell?
Typical rent in Lowell is $1,136 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 Lowell?
Lowell 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 Lowell?
The typical homeowner in Lowell pays $1,642 a year, according to the U.S. Census Bureau. That is 0.58% of the home’s value; in Benton County, the rate is 0.56%.
Where can I find free help to buy or rent in Lowell?
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.
