In Searcy, a typical home is worth $188,500 and typical rent is $905 a month. Compared with all of White County, the typical home value is 15% higher, typical rent is 6% higher, and the share of households that own their home is 16 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $167,452 to $222,476.
Typical rent
$1,059a month
▲ 4.9% more than 12 months ago
Typical rent from Zillow, March 2025 to September 2026: from $1,019 to $1,059.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Searcy is in White 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 White County. See the county
What this place has that others do not, from public data, most unusual first.
1
54% of households in Searcy own their home, against 69% in White County.
2
Nearby, in Beebe, the typical home value is $158,200: 16% less than in Searcy ($188,500).
3
The typical home in Searcy is worth $188,500,15% more than in White County as a whole ($163,600).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Searcy
What homes there are in Searcy, 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
Searcy
White County
Arkansas
United States
Kind of home: Searcy and its comparisons
Measure
Searcy
White County
Arkansas
United States
Detached house
65%
66%
70%
61%
Attached house
3%
1%
2%
6%
Building of 2 to 4
10%
6%
7%
8%
Apartments (5 or more)
20%
7%
11%
19%
Mobile home
Unreliable estimate
18%
11%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in White County, most homes in Searcy are detached houses (65%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Searcy
White County
Arkansas
United States
Year built: Searcy and its comparisons
Measure
Searcy
White County
Arkansas
United States
Before 1960
11%
9%
13%
26%
1960–1979
27%
24%
26%
24%
1980–1999
34%
34%
30%
25%
2000–2009
17%
20%
16%
14%
2010 or later
12%
14%
14%
11%
In Searcy, half of the homes were built before 1989; in White County, before 1992.
There are fewer big homes in Searcy than in White County: 57% have 3 bedrooms or more, against 67%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K9%
$100K–$200K47%
$200K–$300K25%
$300K–$500K16%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Searcy and its comparisons
Measure
Searcy
Under $100K
9%
$100K–$200K
47%
$200K–$300K
25%
$300K–$500K
16%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
At least 96% of owner-occupied homes in Searcy are worth less than $500,000, below the FHA loan limit for White County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50010%
$500–$99959%
HUD fair market rent, 2 bedrooms: $948
$1,000–$1,49923%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Searcy and its comparisons
Measure
Searcy
Under $500
10%
$500–$999
59%
$1,000–$1,499
23%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
Measured against HUD's 2-bedroom fair market rent ($948), about 63% of rented homes in Searcy cost less.
With a mortgage
$1,203 a month
White County: $1,190 a month
Without a mortgage
$483 a month
White County: $392 a month
Owners with a mortgage
61%
White County: 50%
In Searcy, 61% of owners have a mortgage; their typical cost is $1,203 a month, about the same as in White County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Searcy+30%
White County+36%
Arkansas+47%
United States+53%
Typical rent
Searcy+27%
White County+21%
Arkansas+27%
United States+33%
Typical household income
Searcy+27%
White County+26%
Arkansas+28%
United States+29%
Change since 2015–2019: Searcy and its comparisons
Measure
Searcy
White County
Arkansas
United States
Typical home value
+30%
+36%
+47%
+53%
Typical rent
+27%
+21%
+27%
+33%
Typical household income
+27%
+26%
+28%
+29%
Homes in Searcy gained value more slowly than in White County: 30% since 2015–2019, against 36%.
Rents in Searcy rose faster than in White County: 27% since 2015–2019, against 21%.
The typical household income in Searcy rose 27% over that time; home values changed +30% and rent +27%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Searcy and its comparisons
Measure
Searcy
White County
Arkansas
United States
Rental vacancy
6.4%
5.3%
6.4%
5.5%
Homeowner vacancy
Unreliable estimate
1.1%
1.1%
0.9%
More than one person per room
Unreliable estimate
2.4%
2.7%
3.4%
People per household
2.36
2.52
2.46
2.53
Drive alone
81%
82%
79%
69%
Carpool
8%
10%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
5%
2%
2%
3%
Work from home
6%
5%
9%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
There is more rental housing open in Searcy: 6.4% is empty and offered for rent, against 5.3% in White County.
On average, a household in Searcy has 2.36 people, fewer than in White County (2.52).
To get to work, 81% of workers in Searcy drive alone; in White County, 82%.
Do the math
What would you pay each month for a home in Searcy?
A typical home is tight for the typical income
We start with a typical home in Searcy, worth $188,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Searcy, which is $52,170 a year. For that payment to be 28% of income, a household would need to earn about $64,647 a year.
The calculator's FHA and conventional loan limits are those of all of White 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 Searcy. 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 $6,598 (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
$1,508
at 7.18% · 30 years
Loan amount
$185,085
Total interest
$266,294
Paid off in
November 2056
Includes $3,183 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,217 a month
Tight
$1,217 to $1,565 a month
Your payment · 35%
Hard
more than $1,565 a month
Compared with the typical household income in Searcy ($52,170 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,254
Property tax
$93
Home insurance
$79
FHA mortgage insurance (MIP)
$83
You need at least $6,598 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 $1,508; principal and interest $1,254.
The city and its county
Searcy and White County
Searcy is in White 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).
Searcy
Map of White County, Arkansas, with Searcy marked. Around it, the neighboring counties.
Searcy
White County
Other cities with a page
Searcy's own numbers
Typical home value
$188,500
Typical monthly rent
$905
Typical yearly household income
$52,170
Households that own their home
54%
Effective property tax rate
0.59%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of White County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$948
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
5%
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 White County.
A typical home in Searcy is worth $188,500: 15% above the county and about the same as Arkansas. With the typical household income in Searcy ($52,170 a year), a typical home costs 3.6 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.
Searcy3.6 years
White3.0 years
Arkansas3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in White County
According to FHFA’s house price index, home prices in White County rose 60% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of White County.
Yearly change in FHFA’s price index in White County, 2016 to 2025
2016: +0.1% +0.1% 2016
2017: +0.3% +0.3% 2017
2018: +4.2% +4.2% 2018
2019: −0.6% −0.6% 2019
2020: +3.4% +3.4% 2020
2021: +9.3% +9.3% 2021
2022: +14.1% +14.1% 2022
2023: +9.6% +9.6% 2023
2024: +7.1% +7.1% 2024
2025: +1.5% +1.5% 2025
Change in FHFA’s price index in White County, Arkansas and the United States
Period
County
Arkansas
U.S.
Last year (2025)
+1.5%
+3.4%
+2.9%
5 years (2020–2025)
+49%
+52%
+47%
10 years (2015–2025)
+60%
+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
Searcy next to White 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
Searcy$188,500
White$163,600
Arkansas$188,000
United States$332,700
Typical monthly rent
Searcy$905
White$850
Arkansas$947
United States$1,413
Typical yearly household income
Searcy$52,170
White$55,249
Arkansas$60,773
United States$80,734
See the full table
Searcy next to White County and Arkansas
Measure
Searcy
White County
Arkansas
U.S.
Typical home value
$188,500 ▲15% above the county
$163,600
$188,000
$332,700
Typical monthly rent
$905 ▲6% above the county
$850
$947
$1,413
Typical yearly household income
$52,170 ▼6% below the county
$55,249
$60,773
$80,734
Households that own their home
54% ▼16 points below the county
69%
66%
65%
Typical yearly property tax
$1,108 ▲47% above the county
$754
$1,040
$3,119
Effective property tax rate
0.59% ▲0.13 points above the county
0.46%
0.55%
0.94%
Renters with high rent for their income
52% ▲3 points above the county
49%
45%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below White 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 Searcy
For a typical $188,500 home in Searcy, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Searcy's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,508a month
Least cash to close
Down payment
$6,598
Cash to close
$12,253
Rate
7.18%
Mortgage insurance
FHA MIP · $83
Conventional, 5% down$1,474a month
Down payment
$9,425
Cash to close
$15,080
Rate
7.18%
Mortgage insurance
PMI · $90
Conventional, 20% down, no PMI$1,193a month
Down payment
$37,700
Cash to close
$43,355
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,367a month
Down payment
$28,275
Cash to close
$33,930
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Searcy
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,508
$6,598
$185,086
7.18%
FHA MIP · $83
$12,253
580
Conventional, 5% down
$1,474
$9,425
$179,075
7.18%
PMI · $90
$15,080
620*
Conventional, 20% down, no PMI
$1,193
$37,700
$150,800
7.18%
None
$43,355
620*
ITIN, 15% down (example)
$1,367
$28,275
$160,225
8.18%
None
$33,930
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 Searcy is $905 a month: 6% above the county. In Searcy, 52% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of White County, by unit size. To pay the 2-bedroom one ($948 a month) without spending more than 30% of your income, you would need to earn $18.23 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 White County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$674
$12.96
$26,960
1 bedroom
$779
$14.98
$31,160
2 bedrooms
$948
$18.23
$37,920
3 bedrooms
$1,238
$23.81
$49,520
4 bedrooms
$1,246
$23.96
$49,840
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 Searcy
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Searcy is in ZIP code 72143.
For 2 bedrooms it is $990: $42 more than the fair market rent for White County ($948).
Fair market rent by ZIP code and size in Searcy, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
72143
$700
$810
$990
$1,290
$1,300
ZIP code2 bd3 bd
72143 $990$1,290
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Searcy 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)
HUD lists 13 buildings with rents for lower incomes in Searcy. These are the largest.
Searcy120 S Elm Ter, Searcy 72143120 low-income homes · Run by Searcy Housing Authority · Average payment: $350 a month · Average wait: 10 months(501) 268-8547
Ridge at Searcy Phase I2001 Quality Dr, Searcy 7214364 low-income homes · Studio: 1 · 1 bd: 12 · 2 bd: 23 · 3 bd: 28 · In service since 2005 · For older adults, families
East Market Street Apartments1703 E Market Ave, Searcy 7214354 homes, 53 low-income · For families(501) 268-5613
Villas of Searcy5000 Rich Smith Ln, Searcy 7214352 homes, 51 low-income · Studio: 1 · 1 bd: 18 · 2 bd: 33 · In service since 2015
Ridge at Searcy2001 Quality Dr, Searcy 7214364 homes, 48 low-income · 1 bd: 12 · 2 bd: 24 · 3 bd: 28 · In service since 2005
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 White County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Searcy or White County. The ones below are statewide in Arkansas: they work in Searcy 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 Searcy or White 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 Searcy and all of White 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 Searcy?
The typical home value in Searcy is $188,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in White County it is $163,600.
How much does it cost to rent in Searcy?
Typical rent in Searcy is $905 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in White County is $948.
What is the FHA loan limit in Searcy?
Searcy uses the FHA limit for all of White 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 Searcy?
The typical homeowner in Searcy pays $1,108 a year, according to the U.S. Census Bureau. That is 0.59% of the home’s value; in White County, the rate is 0.46%.
Where can I find free help to buy or rent in Searcy?
We found no HUD-approved counseling agencies with an office in White County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
