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City · 8,108 residents · Benton County, Arkansas

Pea Ridge , Arkansas

In Pea Ridge, a typical home is worth $297,500 and typical rent is $1,818 a month. Compared with all of Benton County, typical rent is 42% higher, the typical home value is 8% lower, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $297,500

    8% below the county

    58% above Arkansas

    • Pea Ridge
    • Benton
    • Arkansas

  • Typical rent

    $1,818a month

    42% above the county

    92% above Arkansas

    • Pea Ridge
    • Benton
    • Arkansas

  • Typical household income

    $95,521a year

    2% above the county

    57% above Arkansas

    • Pea Ridge
    • Benton
    • Arkansas

  • Households that own their home

    78%

    11 points above the county

    12 points above Arkansas

    • Pea Ridge
    • Benton
    • Arkansas

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

Market now, with Zillow data

Zillow data
Typical home value
$344,399
1.7% more than 12 months ago
Typical rent
$1,760 a month
2.3% more than 12 months ago

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

Pea Ridge 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Pea Ridge apart

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

  1. Pea Ridge has the 2nd highest typical rent of the 71 cities in Arkansas with more than 5,000 people ($1,818).

  2. Nearby, in Rogers, the typical rent is $1,270: 30% less than in Pea Ridge ($1,818).

  3. 78% of households in Pea Ridge own their home, against 67% in Benton County.

  4. Pea Ridge has the 6th highest typical household income of the 71 cities in Arkansas with more than 5,000 people ($95,521).

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

The homes here

Housing in Pea Ridge

What homes there are in Pea Ridge, 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 92% of homes here, against 74% in Benton County.

Year built

Here half of the homes date from 2005 or later; in Benton County, from 2001 or later.

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
Monthly rent with utilities

With a mortgage

$1,610 a month

Benton County: $1,717 a month

Without a mortgage

$504 a month

Benton County: $531 a month

Owners with a mortgage

72%

Benton County: 65%

In Pea Ridge, 72% of owners have a mortgage, and their typical cost is $1,610 a month, against $1,717 in Benton County. Without one it drops to $504.

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

From 2015–2019 to 2020–2024, the typical home value in Pea Ridge rose 123%; in Benton County, it rose 76%.

The typical rent in Pea Ridge stayed about the same over that time: the difference is within the Census margin of error.

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

MeasurePea RidgeBenton CountyArkansasUnited States
Rental vacancy Unreliable estimate4.7%6.4%5.5%
Homeowner vacancy Unreliable estimate1.0%1.1%0.9%
More than one person per room Unreliable estimate3.8%2.7%3.4%
People per household 2.782.692.462.53
Drive alone 77%75%79%69%
Carpool Unreliable estimate7%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 17%16%9%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutesUnreliable estimate10 to 19 minutes20 to 29 minutes

A household in Pea Ridge has 2.78 people on average, about the same as in Benton County (2.69).

To get to work, 77% of workers in Pea Ridge drive alone; in Benton County, 75%.

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 Pea Ridge?

A typical home is tight for the typical income

We start with a typical home in Pea Ridge, worth $297,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Pea Ridge, which is $95,521 a year. For that payment to be 28% of income, a household would need to earn about $100,648 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Pea Ridge. 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 $10,413 (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

$2,349

at 7.18% · 30 years

Loan amount
$292,111
Total interest
$420,279
Paid off in
November 2056

Includes $5,024 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 · 30%

  • Hard

    more than $2,866 a month

Compared with the typical household income in Pea Ridge ($95,521 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,349
Principal & interest$1,979
Property tax$114
Home insurance$124
FHA mortgage insurance (MIP)$132

You need at least $10,413 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

Pea Ridge and Benton County

Pea Ridge 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).

Pea Ridge's own numbers

Typical home value
$297,500
Typical monthly rent
$1,818
Typical yearly household income
$95,521
Households that own their home
78%
Effective property tax rate
0.46%

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.

Everything about Benton County

Buying

Buying a home in Pea Ridge

A typical home in Pea Ridge is worth $297,500: 8% below the county and 58% above Arkansas. With the typical household income in Pea Ridge ($95,521 a year), a typical home costs 3.1 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.

  • Pea Ridge 3.1 years
  • Benton 3.5 years
  • Arkansas 3.1 years
  • United States 4.1 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.

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

Pea Ridge 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
  • Pea Ridge $297,500
  • Benton $323,500
  • Arkansas $188,000
  • United States $332,700
Typical monthly rent
  • Pea Ridge $1,818
  • Benton $1,277
  • Arkansas $947
  • United States $1,413
Typical yearly household income
  • Pea Ridge $95,521
  • Benton $93,506
  • Arkansas $60,773
  • United States $80,734
See the full table
Pea Ridge next to Benton County and Arkansas
Measure Pea Ridge Benton County Arkansas U.S.
Typical home value $297,500 $323,500 $188,000 $332,700
Typical monthly rent $1,818 $1,277 $947 $1,413
Typical yearly household income $95,521 $93,506 $60,773 $80,734
Households that own their home 78% 67% 66% 65%
Typical yearly property tax $1,372 $1,823 $1,040 $3,119
Effective property tax rate 0.46% 0.56% 0.55% 0.94%
Renters with high rent for their income 30% 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 Pea Ridge

For a typical $297,500 home in Pea Ridge, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pea Ridge's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,348a month

    Least cash to close
    Down payment
    $10,413
    Cash to close
    $19,338
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $132

  • Conventional, 5% down $2,294a month

    Down payment
    $14,875
    Cash to close
    $23,800
    Rate
    7.18%
    Mortgage insurance
    PMI · $141

  • Conventional, 20% down, no PMI $1,850a month

    Down payment
    $59,500
    Cash to close
    $68,425
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,125a month

    Down payment
    $44,625
    Cash to close
    $53,550
    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 Pea Ridge and for Benton County.

Property tax

Effective rate in Pea Ridge

0.46%of the home’s value each year

$1,372 a year for the typical owner in Pea Ridge.

  • Pea Ridge 0.46%
  • Benton 0.56%
  • 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 Benton County

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

Homes in the high-risk zone
1.1%
1,165
Of those, with NFIP insurance
24%
County Arkansas U.S.
Homes in the high-risk zone 1.1% 3.4% 3.5%
Of those, with NFIP insurance 24% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Pea Ridge

Typical rent in Pea Ridge is $1,818 a month: 42% above the county. In Pea Ridge, 30% 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.

HUD fair market rent for all of Benton 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 $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 Pea Ridge

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pea Ridge is in ZIP code 72751.

For 2 bedrooms it is $1,840: $584 more than the fair market rent for Benton County ($1,256).

  • 72751 $1,840$2,550

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

Free help

Help to buy or rent in Pea Ridge

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.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Pea Ridge

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

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

  • Credit Counseling of Arkansas - Bentonville

    17320 Moberly Ln., Suite 3, Bentonville · 7 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (479) 521-8877

  • Credit Counseling of Arkansas

    1111 E Zion Rd, Fayetteville · 22 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (479) 521-8877

  • Northwest Regional Housing Authority

    317 W Industrial Park Rd, Harrison · 56 miles away

    • Mortgage delinquency workshops
    • Budget and financial counseling
    • and 7 more
    (870) 743-6779

Every agency in Benton County All counseling agencies in Arkansas

Help in Spanish near Pea Ridge

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 Pea Ridge

In HUD’s record, no housing authority with an office in Benton County is named for Pea Ridge or Benton County.

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

Cities

Other cities in Benton County

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

Everything about Benton County Housing in Arkansas

Nearby cities

The cities closest to Pea Ridge, with the typical home value.

Neighboring counties

If Benton 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 Pea Ridge.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Pea Ridge

Short answers with the numbers for Pea Ridge 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 Pea Ridge?

The typical home value in Pea Ridge is $297,500, 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 Pea Ridge?

Typical rent in Pea Ridge is $1,818 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 Pea Ridge?

Pea Ridge 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 Pea Ridge?

The typical homeowner in Pea Ridge pays $1,372 a year, according to the U.S. Census Bureau. That is 0.46% of the home’s value; in Benton County, the rate is 0.56%.

Where can I find free help to buy or rent in Pea Ridge?

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.

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).