Español

Este sitio también está en español. Leer en español

City · 18,699 residents · Benton County, Arkansas

Siloam Springs , Arkansas

In Siloam Springs, a typical home is worth $221,700 and typical rent is $1,003 a month. Compared with all of Benton County, the typical home value is 31% lower, typical household income is 23% lower, and the share of households that own their home is 8 points lower.

WhatsApp

  • Typical home value

    $221,700

    31% below the county

    18% above Arkansas

    • Siloam Springs
    • Benton
    • Arkansas

  • Typical rent

    $1,003a month

    21% below the county

    6% above Arkansas

    • Siloam Springs
    • Benton
    • Arkansas

  • Typical household income

    $72,065a year

    23% below the county

    19% above Arkansas

    • Siloam Springs
    • Benton
    • Arkansas

  • Households that own their home

    59%

    8 points below the county

    7 points below Arkansas

    • Siloam Springs
    • Benton
    • Arkansas

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

Market now, with Zillow data

Zillow data
Typical home value
$284,815
2.1% more than 12 months ago
Typical rent
$1,360 a month
1.6% more than 12 months ago

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

Siloam Springs 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 Siloam Springs apart

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

  1. The typical home in Siloam Springs is worth $221,700, 31% less than in Benton County as a whole ($323,500).

  2. The typical household income in Siloam Springs is $72,065, 23% less than in Benton County as a whole ($93,506).

  3. The typical rent in Siloam Springs is $1,003 a month, 21% less than in Benton County as a whole ($1,277).

  4. 59% of households in Siloam Springs own their home, against 67% in Benton County.

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

The homes here

Housing in Siloam Springs

What homes there are in Siloam Springs, 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 are the majority in Siloam Springs (69%), but less so than in Benton County (74%).

Year built

Homes in Siloam Springs are older: the typical year built is 1995; in Benton County, 2001.

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

At least 97% of owner-occupied homes in Siloam Springs are worth less than $500,000, below the FHA loan limit for Benton County ($541,287).

Monthly rent with utilities

With a mortgage

$1,476 a month

Benton County: $1,717 a month

Without a mortgage

$483 a month

Benton County: $531 a month

Owners with a mortgage

69%

Benton County: 65%

In Siloam Springs, 69% of owners have a mortgage, and their typical cost is $1,476 a month, against $1,717 in Benton County. Without one it drops to $483.

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 Siloam Springs rose 64% since 2015–2019, less than in Benton County (76%).

Rents in Siloam Springs rose more slowly than in Benton County: 35% since 2015–2019, against 41%.

The typical household income in Siloam Springs rose 53% over that time; home values changed +64% and rent +35%.

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

MeasureSiloam SpringsBenton 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 4.9%3.8%2.7%3.4%
People per household 2.732.692.462.53
Drive alone 80%75%79%69%
Carpool 7%7%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike 4%1%2%3%
Work from home 7%16%9%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutesUnreliable estimate10 to 19 minutes20 to 29 minutes

In Siloam Springs, 4.9% of households live with more than one person per room, against 3.8% in Benton County.

Much as in Benton County, a household in Siloam Springs has 2.73 people on average.

More people walk or bike to work in Siloam Springs: 4%, against 1% in Benton County.

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 Siloam Springs?

A typical home is tight for the typical income

We start with a typical home in Siloam Springs, worth $221,700, 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 Siloam Springs, which is $72,065 a year. For that payment to be 28% of income, a household would need to earn about $76,350 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 Siloam Springs. 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 $7,760 (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

$1,782

at 7.18% · 30 years

Loan amount
$217,684
Total interest
$313,196
Paid off in
November 2056

Includes $3,744 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,682 a month

  • Tight

    $1,682 to $2,162 a month

    Your payment · 30%

  • Hard

    more than $2,162 a month

Compared with the typical household income in Siloam Springs ($72,065 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,782
Principal & interest$1,475
Property tax$116
Home insurance$92
FHA mortgage insurance (MIP)$98

You need at least $7,760 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

Siloam Springs and Benton County

Siloam Springs 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).

Siloam Springs's own numbers

Typical home value
$221,700
Typical monthly rent
$1,003
Typical yearly household income
$72,065
Households that own their home
59%
Effective property tax rate
0.63%

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 Siloam Springs

A typical home in Siloam Springs is worth $221,700: 31% below the county and 18% above Arkansas. With the typical household income in Siloam Springs ($72,065 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.

  • Siloam Springs 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

Siloam Springs 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
  • Siloam Springs $221,700
  • Benton $323,500
  • Arkansas $188,000
  • United States $332,700
Typical monthly rent
  • Siloam Springs $1,003
  • Benton $1,277
  • Arkansas $947
  • United States $1,413
Typical yearly household income
  • Siloam Springs $72,065
  • Benton $93,506
  • Arkansas $60,773
  • United States $80,734
See the full table
Siloam Springs next to Benton County and Arkansas
Measure Siloam Springs Benton County Arkansas U.S.
Typical home value $221,700 $323,500 $188,000 $332,700
Typical monthly rent $1,003 $1,277 $947 $1,413
Typical yearly household income $72,065 $93,506 $60,773 $80,734
Households that own their home 59% 67% 66% 65%
Typical yearly property tax $1,393 $1,823 $1,040 $3,119
Effective property tax rate 0.63% 0.56% 0.55% 0.94%
Renters with high rent for their income 43% 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 Siloam Springs

For a typical $221,700 home in Siloam Springs, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Siloam Springs's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,781a month

    Least cash to close
    Down payment
    $7,760
    Cash to close
    $14,411
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $98

  • Conventional, 5% down $1,741a month

    Down payment
    $11,085
    Cash to close
    $17,736
    Rate
    7.18%
    Mortgage insurance
    PMI · $105

  • Conventional, 20% down, no PMI $1,410a month

    Down payment
    $44,340
    Cash to close
    $50,991
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,615a month

    Down payment
    $33,255
    Cash to close
    $39,906
    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 Siloam Springs and for Benton County.

Property tax

Effective rate in Siloam Springs

0.63%of the home’s value each year

$1,393 a year for the typical owner in Siloam Springs.

  • Siloam Springs 0.63%
  • 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 Siloam Springs

Typical rent in Siloam Springs is $1,003 a month: 21% below the county. In Siloam Springs, 43% 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 Siloam Springs

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Siloam Springs is in ZIP code 72761.

For 2 bedrooms it is $1,220: $36 less than the fair market rent for Benton County ($1,256).

  • 72761 $1,220$1,690

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

HUD lists 9 buildings with rents for lower incomes in Siloam Springs. These are the largest.

  • Heritage Heights Cottages 1225 E Tulsa St, Siloam Springs 72761 85 low-income homes · 1 bd: 72 · 2 bd: 13 · In service since 1997
  • Heritage Heights Lodge 1255 W Tulsa St, Siloam Springs 72761 85 low-income homes · Studio: 40 · In service since 1997 · For older adults (479) 524-8117
  • Stoneridge Duplexes of Siloam Springs 824A S Travertine St, Siloam Springs 72761 60 homes, 59 low-income · 4 bd: 60 · In service since 2020
  • Stoneridge Duplexes II of Siloam Springs Approx Timothy & E Kenwood ST, Siloam Springs 72761 50 low-income homes · 4 bd: 50 · In service since 2020
  • Heritage Square 1200 W Jefferson St, Siloam Springs 72761 28 low-income homes · For older adults (479) 524-3823

See all 32 buildings in Benton County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Siloam Springs

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 leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Siloam Springs

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

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

  • 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

  • Credit Counseling of Arkansas - Bentonville

    17320 Moberly Ln., Suite 3, Bentonville · 22 miles away · Spanish

    Also serves in other languages.

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

  • Crawford Sebastian Community Development Council

    1617 S Zero St, Fort Smith · 60 miles away · Spanish

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 4 more
    (479) 785-2303

Every agency in Benton County All counseling agencies in Arkansas

Help in Spanish near Siloam Springs

3 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 Siloam Springs

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

One other authority has 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 Siloam Springs, 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 Siloam Springs.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Siloam Springs

Short answers with the numbers for Siloam Springs 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 Siloam Springs?

The typical home value in Siloam Springs is $221,700, 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 Siloam Springs?

Typical rent in Siloam Springs is $1,003 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 Siloam Springs?

Siloam Springs 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 Siloam Springs?

The typical homeowner in Siloam Springs pays $1,393 a year, according to the U.S. Census Bureau. That is 0.63% of the home’s value; in Benton County, the rate is 0.56%.

Where can I find free help to buy or rent in Siloam Springs?

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).