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City · 64,538 residents · Pulaski County, Arkansas

North Little Rock , Arkansas

In North Little Rock, a typical home is worth $178,900 and typical rent is $1,069 a month. Compared with all of Pulaski County, the typical home value is 17% lower, typical household income is 16% lower, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $178,900

    17% below the county

    5% below Arkansas

    • North Little Rock
    • Pulaski
    • Arkansas

  • Typical rent

    $1,069a month

    About the same as the county

    13% above Arkansas

    • North Little Rock
    • Pulaski
    • Arkansas

  • Typical household income

    $52,707a year

    16% below the county

    13% below Arkansas

    • North Little Rock
    • Pulaski
    • Arkansas

  • Households that own their home

    45%

    12 points below the county

    22 points below Arkansas

    • North Little Rock
    • Pulaski
    • Arkansas

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

Market now, with Zillow data

Zillow data
Typical home value
$167,356
3.6% more than 12 months ago
Typical rent
$1,128 a month
2.1% more than 12 months ago

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

North 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 North Little Rock apart

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

  1. 45% of households in North Little Rock own their home, against 57% in Pulaski County.

  2. The typical home in North Little Rock is worth $178,900, 17% less than in Pulaski County as a whole ($214,700).

  3. The typical household income in North Little Rock is $52,707, 16% less than in Pulaski County as a whole ($62,873).

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

The homes here

Housing in North Little Rock

What homes there are in North 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

In North Little Rock, 6 in 10 homes are single-family detached houses; in Pulaski County, 6.

Year built

Homes in North Little Rock are older: the typical year built is 1975; in Pulaski County, 1981.

Homes in North Little Rock are smaller: 50% 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

The FHA loan limit for Pulaski County is $541,287, and about 98% of owner-occupied homes in North Little Rock are worth less than that.

Monthly rent with utilities

About 52% of rented homes in North Little Rock cost less than HUD's 2-bedroom fair market rent for Pulaski County ($1,121); the rest cost more.

With a mortgage

$1,278 a month

Pulaski County: $1,493 a month

Without a mortgage

$464 a month

Pulaski County: $507 a month

Owners with a mortgage

63%

Pulaski County: 61%

In North Little Rock, 63% of owners have a mortgage, and their typical cost is $1,278 a month, against $1,493 in Pulaski County. Without one it drops to $464.

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

Homes in North Little Rock gained value more slowly than in Pulaski County: 32% since 2015–2019, against 37%.

Rents in North Little Rock rose at about the same pace as in Pulaski County: 25% since 2015–2019, against 25%.

The typical household income in North Little Rock rose 21%: less than home values (+32%) and rent (+25%).

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

MeasureNorth Little RockPulaski CountyArkansasUnited States
Rental vacancy 6.2%8.7%6.4%5.5%
Homeowner vacancy Unreliable estimate1.4%1.1%0.9%
More than one person per room 2.0%1.9%2.7%3.4%
People per household 2.002.272.462.53
Drive alone 76%76%79%69%
Carpool 8%9%9%9%
Public transit Unreliable estimate1%0%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 11%12%9%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

In North Little Rock, the rental vacancy rate is 6.2%; in Pulaski County, 8.7%.

More than one person per room: that is how 2.0% of households in North Little Rock live, near the figure in Pulaski County (1.9%).

Fewer people live in each home here: 2.00 on average, against 2.27 in Pulaski County.

The car rules in North 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 North Little Rock?

A typical home is tight for the typical income

We start with a typical home in North Little Rock, worth $178,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in North Little Rock, which is $52,707 a year. For that payment to be 28% of income, a household would need to earn about $63,271 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 North 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 $6,262 (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

$1,476

at 7.18% · 30 years

Loan amount
$175,659
Total interest
$252,732
Paid off in
November 2056

Includes $3,021 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,230 a month

  • Tight

    $1,230 to $1,581 a month

    Your payment · 34%

  • Hard

    more than $1,581 a month

Compared with the typical household income in North Little Rock ($52,707 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,476
Principal & interest$1,190
Property tax$133
Home insurance$75
FHA mortgage insurance (MIP)$79

You need at least $6,262 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

North Little Rock and Pulaski County

North 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).

North Little Rock's own numbers

Typical home value
$178,900
Typical monthly rent
$1,069
Typical yearly household income
$52,707
Households that own their home
45%
Effective property tax rate
0.89%

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 North Little Rock

A typical home in North Little Rock is worth $178,900: 17% below the county and 5% below Arkansas. With the typical household income in North Little Rock ($52,707 a year), a typical home costs 3.4 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.

  • North Little Rock 3.4 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

North 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
  • North Little Rock $178,900
  • Pulaski $214,700
  • Arkansas $188,000
  • United States $332,700
Typical monthly rent
  • North Little Rock $1,069
  • Pulaski $1,080
  • Arkansas $947
  • United States $1,413
Typical yearly household income
  • North Little Rock $52,707
  • Pulaski $62,873
  • Arkansas $60,773
  • United States $80,734
See the full table
North Little Rock next to Pulaski County and Arkansas
Measure North Little Rock Pulaski County Arkansas U.S.
Typical home value $178,900 $214,700 $188,000 $332,700
Typical monthly rent $1,069 $1,080 $947 $1,413
Typical yearly household income $52,707 $62,873 $60,773 $80,734
Households that own their home 45% 57% 66% 65%
Typical yearly property tax $1,591 $1,642 $1,040 $3,119
Effective property tax rate 0.89% 0.76% 0.55% 0.94%
Renters with high rent for their income 48% 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 North Little Rock

For a typical $178,900 home in North 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, North Little Rock's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,476a month

    Least cash to close
    Down payment
    $6,262
    Cash to close
    $11,629
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $79

  • Conventional, 5% down $1,444a month

    Down payment
    $8,945
    Cash to close
    $14,312
    Rate
    7.18%
    Mortgage insurance
    PMI · $85

  • Conventional, 20% down, no PMI $1,177a month

    Down payment
    $35,780
    Cash to close
    $41,147
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,342a month

    Down payment
    $26,835
    Cash to close
    $32,202
    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 North Little Rock and for Pulaski County.

Property tax

Effective rate in North Little Rock

0.89%of the home’s value each year

$1,591 a year for the typical owner in North Little Rock.

  • North Little Rock 0.89%
  • 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 North Little Rock

Typical rent in North Little Rock is $1,069 a month: about the same as the county. In North Little Rock, 48% 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 North Little Rock

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). North Little Rock has 4 ZIP codes with their own.

For 2 bedrooms it runs from $1,040 in 72114 to $1,170 in 72117.

2 of the 4 are above the fair market rent for Pulaski County ($1,121).

  • 72114 $1,040$1,400
  • 72116 $1,150$1,540
  • 72117 $1,170$1,570
  • 72118 $1,100$1,480

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

HUD lists 33 buildings with rents for lower incomes in North Little Rock. These are the largest.

  • Maple Place 2500 Willow St, North Little Rock 72114 286 low-income homes · Studio: 136 · 1 bd: 135 · 2 bd: 15 · In service since 2019
  • Hickory View Rad 2301 / 2501 Division ST, North Little Rock 72114 245 low-income homes · 1 bd: 224 · 2 bd: 21 · In service since 2019
  • NLR Rad Family Homes 701 W 18th St, North Little Rock 72114 243 low-income homes · 1 bd: 40 · 2 bd: 67 · 3 bd: 81 · 4 bd: 55
  • Summertree & Valley View Apts 5000 Summertree Dr, North Little Rock 72116 240 low-income homes · 1 bd: 72 · 2 bd: 144 · 3 bd: 24 · In service since 2003
  • Summertree and Valley View Apartments 5000 Summertree Dr, North Little Rock 72116 240 low-income homes · 1 bd: 72 · 2 bd: 144 · 3 bd: 24 · In service since 2002

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

Free help

Help to buy or rent in North 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.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in North Little Rock

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

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

  • Community Resources Technicians, Inc.

    800 Scott St, Little Rock · 3 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 · 6 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 · 6 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 North Little Rock

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 North Little Rock

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

  • North Little Rock Housing Authority Public housing and Section 8 vouchers (501) 758-8911

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 North 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 North Little Rock.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about North Little Rock

Short answers with the numbers for North 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 North Little Rock?

The typical home value in North Little Rock is $178,900, 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 North Little Rock?

Typical rent in North Little Rock is $1,069 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 North Little Rock?

North 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 North Little Rock?

The typical homeowner in North Little Rock pays $1,591 a year, according to the U.S. Census Bureau. That is 0.89% of the home’s value; in Pulaski County, the rate is 0.76%.

Where can I find free help to buy or rent in North 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).