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City · 7,903 residents · Arkansas County, Arkansas

Stuttgart , Arkansas

In Stuttgart, a typical home is worth $152,600 and typical rent is $872 a month. Compared with all of Arkansas County, the typical home value is 10% higher, typical household income is 7% lower, and the share of households that own their home is 11 points lower.

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  • Typical home value

    $152,600

    10% above the county

    19% below Arkansas

    • Stuttgart
    • Arkansas
    • Arkansas

  • Typical rent

    $872a month

    3% above the county

    8% below Arkansas

    • Stuttgart
    • Arkansas
    • Arkansas

  • Typical household income

    $49,399a year

    7% below the county

    19% below Arkansas

    • Stuttgart
    • Arkansas
    • Arkansas

  • Households that own their home

    54%

    11 points below the county

    13 points below Arkansas

    • Stuttgart
    • Arkansas
    • Arkansas

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

Market now, with Zillow data

Zillow data
Typical home value
$122,532
3.2% more than 12 months ago

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

Stuttgart is in Arkansas 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 Arkansas County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Stuttgart apart

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

  1. Nearby, in Pine Bluff, the typical home value is $89,400: 41% less than in Stuttgart ($152,600).

  2. 54% of households in Stuttgart own their home, against 65% in Arkansas County.

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

The homes here

Housing in Stuttgart

What homes there are in Stuttgart, 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

As in Arkansas County, most homes in Stuttgart are detached houses (76%).

Year built

The typical year built in Stuttgart is 1978, about the same as in Arkansas County (1978).

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

With an FHA limit of $541,287, at least 96% of owner-occupied homes in Stuttgart sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,293 a month

Arkansas County: $1,181 a month

Without a mortgage

$489 a month

Arkansas County: $477 a month

Owners with a mortgage

50%

Arkansas County: 42%

In Stuttgart, 50% of owners have a mortgage, and their typical cost is $1,293 a month, against $1,181 in Arkansas County. Without one it drops to $489.

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 Stuttgart rose 61%; in Arkansas County, it rose 56%.

Rents in Stuttgart rose at about the same pace as in Arkansas County: 32% since 2015–2019, against 30%.

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

MeasureStuttgartArkansas CountyArkansasUnited States
Rental vacancy Unreliable estimateUnreliable estimate6.4%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimateUnreliable estimate2.7%3.4%
People per household 2.392.422.462.53
Drive alone 80%83%79%69%
Carpool 13%11%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimateUnreliable estimate9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutes10 to 19 minutes20 to 29 minutes

A household in Stuttgart has 2.39 people on average, about the same as in Arkansas County (2.42).

To get to work, 80% of workers in Stuttgart drive alone; in Arkansas County, 83%.

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 Stuttgart?

A typical home is tight for the typical income

We start with a typical home in Stuttgart, worth $152,600, 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 Stuttgart, which is $49,399 a year. For that payment to be 28% of income, a household would need to earn about $52,226 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Stuttgart. 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 $5,341 (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

$1,219

at 7.18% · 30 years

Loan amount
$149,836
Total interest
$215,579
Paid off in
November 2056

Includes $2,577 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,153 a month

  • Tight

    $1,153 to $1,482 a month

    Your payment · 30%

  • Hard

    more than $1,482 a month

Compared with the typical household income in Stuttgart ($49,399 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,219
Principal & interest$1,015
Property tax$73
Home insurance$64
FHA mortgage insurance (MIP)$67

You need at least $5,341 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

Stuttgart and Arkansas County

Stuttgart is in Arkansas 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).

Stuttgart's own numbers

Typical home value
$152,600
Typical monthly rent
$872
Typical yearly household income
$49,399
Households that own their home
54%
Effective property tax rate
0.57%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Arkansas County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$942
Price change over 5 years (FHFA)
+28%
Homes in a high flood-risk zone
17%

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 Arkansas County.

Everything about Arkansas County

Buying

Buying a home in Stuttgart

A typical home in Stuttgart is worth $152,600: 10% above the county and 19% below Arkansas. With the typical household income in Stuttgart ($49,399 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.

  • Stuttgart 3.1 years
  • Arkansas 2.6 years
  • Arkansas 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Arkansas County

According to FHFA’s house price index, home prices in Arkansas County rose 34% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Arkansas County.

Period County Arkansas U.S.
Last year (2025) −3.2% +3.4% +2.9%
5 years (2020–2025) +28% +52% +47%
10 years (2015–2025) +34% +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

Stuttgart next to Arkansas 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
  • Stuttgart $152,600
  • Arkansas $138,100
  • Arkansas $188,000
  • United States $332,700
Typical monthly rent
  • Stuttgart $872
  • Arkansas $843
  • Arkansas $947
  • United States $1,413
Typical yearly household income
  • Stuttgart $49,399
  • Arkansas $53,164
  • Arkansas $60,773
  • United States $80,734
See the full table
Stuttgart next to Arkansas County and Arkansas
Measure Stuttgart Arkansas County Arkansas U.S.
Typical home value $152,600 $138,100 $188,000 $332,700
Typical monthly rent $872 $843 $947 $1,413
Typical yearly household income $49,399 $53,164 $60,773 $80,734
Households that own their home 54% 65% 66% 65%
Typical yearly property tax $871 $745 $1,040 $3,119
Effective property tax rate 0.57% 0.54% 0.55% 0.94%
Renters with high rent for their income 49% 47% 45% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Arkansas 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 Stuttgart

For a typical $152,600 home in Stuttgart, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Stuttgart's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,219a month

    Least cash to close
    Down payment
    $5,341
    Cash to close
    $9,919
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $67

  • Conventional, 5% down $1,191a month

    Down payment
    $7,630
    Cash to close
    $12,208
    Rate
    7.18%
    Mortgage insurance
    PMI · $72

  • Conventional, 20% down, no PMI $963a month

    Down payment
    $30,520
    Cash to close
    $35,098
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,104a month

    Down payment
    $22,890
    Cash to close
    $27,468
    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 Stuttgart and for Arkansas County.

Property tax

Effective rate in Stuttgart

0.57%of the home’s value each year

$871 a year for the typical owner in Stuttgart.

  • Stuttgart 0.57%
  • Arkansas 0.54%
  • 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 Arkansas County

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

Homes in the high-risk zone
17%
1,639
Of those, with NFIP insurance
4.9%
County Arkansas U.S.
Homes in the high-risk zone 17% 3.4% 3.5%
Of those, with NFIP insurance 4.9% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Stuttgart

Typical rent in Stuttgart is $872 a month: 3% above the county. In Stuttgart, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Arkansas County, by unit size. To pay the 2-bedroom one ($942 a month) without spending more than 30% of your income, you would need to earn $18.12 an hour working full time.

HUD fair market rent for all of Arkansas 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 $670 $12.88 $26,800
1 bedroom $737 $14.17 $29,480
2 bedrooms $942 $18.12 $37,680
3 bedrooms $1,181 $22.71 $47,240
4 bedrooms $1,575 $30.29 $63,000

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 Stuttgart

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Stuttgart is in ZIP code 72160.

For 2 bedrooms it is $1,040: $98 more than the fair market rent for Arkansas County ($942).

  • 72160 $1,040$1,390

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

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

  • Buerkle Square Apartments 1009 N Buerkle St, Stuttgart 72160 60 low-income homes · 1 bd: 14 · 2 bd: 46 · In service since 2011
  • Stuttgart Apartments 514 W 1st St, Stuttgart 72160 56 low-income homes · For families (870) 673-8283
  • Stuttgart Apartments I 507 W 1st St, Stuttgart 72160 56 low-income homes · 1 bd: 8 · 2 bd: 32 · 3 bd: 16 · For families (870) 673-8283
  • Stuttgart Apartments II 610 W 2nd St, Stuttgart 72160 56 low-income homes · 1 bd: 8 · 2 bd: 32 · 3 bd: 16
  • Hickory Square Apartments 1468 E 10th Ext, Stuttgart 72160 40 low-income homes · For families (870) 673-8225

See all 12 buildings in Arkansas County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Stuttgart

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 Arkansas County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Stuttgart

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

The HUD-approved agencies closest to the center of Stuttgart, 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 · 44 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 · 47 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 · 49 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (501) 492-0083

All counseling agencies in Arkansas

Help in Spanish near Stuttgart

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 Stuttgart

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

  • Stuttgart Housing Authority Public housing and Section 8 vouchers (870) 946-2622

All housing agencies in Arkansas Source: HUD

Cities

Nearby cities

The cities closest to Stuttgart, with the typical home value.

Everything about Arkansas County Housing in Arkansas

Neighboring counties

If Arkansas 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 Stuttgart.

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

Questions

Housing questions about Stuttgart

Short answers with the numbers for Stuttgart and all of Arkansas 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 Stuttgart?

The typical home value in Stuttgart is $152,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Arkansas County it is $138,100.

How much does it cost to rent in Stuttgart?

Typical rent in Stuttgart is $872 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Arkansas County is $942.

What is the FHA loan limit in Stuttgart?

Stuttgart uses the FHA limit for all of Arkansas 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 Stuttgart?

The typical homeowner in Stuttgart pays $871 a year, according to the U.S. Census Bureau. That is 0.57% of the home’s value; in Arkansas County, the rate is 0.54%.

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

We found no HUD-approved counseling agencies with an office in Arkansas County; the nearest ones are on this page. 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).