In Ward, a typical home is worth $189,100 and typical rent is $1,202 a month. Compared with all of Lonoke County, typical rent is 17% higher and the share of households that own their home is 6 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $158,529 to $208,158.
Typical rent
$1,093a month
Typical rent from Zillow, June 2026 to September 2026: from $1,142 to $1,093.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Ward is in Lonoke 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 Lonoke County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Beebe, the typical rent is $799: 34% less than in Ward ($1,202).
2
Nearby, in Beebe, the typical home value is $158,200: 16% less than in Ward ($189,100).
3
The typical rent in Ward is $1,202 a month, 17% more than in Lonoke County as a whole ($1,025).
4
69% of households in Ward own their home, against 75% in Lonoke County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Ward
What homes there are in Ward, 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
Ward
Lonoke County
Arkansas
United States
Kind of home: Ward and its comparisons
Measure
Ward
Lonoke County
Arkansas
United States
Detached house
79%
77%
70%
61%
Attached house
Unreliable estimate
Unreliable estimate
2%
6%
Building of 2 to 4
Unreliable estimate
4%
7%
8%
Apartments (5 or more)
Unreliable estimate
5%
11%
19%
Mobile home
Unreliable estimate
13%
11%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Lonoke County, most homes in Ward are detached houses (79%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Ward
Lonoke County
Arkansas
United States
Year built: Ward and its comparisons
Measure
Ward
Lonoke County
Arkansas
United States
Before 1960
Unreliable estimate
6%
13%
26%
1960–1979
Unreliable estimate
17%
26%
24%
1980–1999
19%
34%
30%
25%
2000–2009
37%
27%
16%
14%
2010 or later
35%
17%
14%
11%
Here half of the homes date from 2006 or later; in Lonoke County, from 1997 or later.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K53%
$200K–$300K36%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Ward and its comparisons
Measure
Ward
Under $100K
Unreliable estimate
$100K–$200K
53%
$200K–$300K
36%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49954%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Ward and its comparisons
Measure
Ward
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
54%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,217 a month
Lonoke County: $1,380 a month
Without a mortgage
$406 a month
Lonoke County: $444 a month
Owners with a mortgage
78%
Lonoke County: 63%
In Ward, 78% of owners have a mortgage, and their typical cost is $1,217 a month, against $1,380 in Lonoke County. Without one it drops to $406.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Ward+61%
Lonoke County+36%
Arkansas+47%
United States+53%
Typical rent
WardNo clear change
Lonoke County+29%
Arkansas+27%
United States+33%
Typical household income
WardNo clear change
Lonoke County+23%
Arkansas+28%
United States+29%
Change since 2015–2019: Ward and its comparisons
Measure
Ward
Lonoke County
Arkansas
United States
Typical home value
+61%
+36%
+47%
+53%
Typical rent
No clear change
+29%
+27%
+33%
Typical household income
No clear change
+23%
+28%
+29%
The typical home value in Ward rose 61% since 2015–2019, more than in Lonoke County (36%).
The typical rent in Ward stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Ward and its comparisons
Measure
Ward
Lonoke County
Arkansas
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
6.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
2.5%
2.7%
3.4%
People per household
2.85
2.61
2.46
2.53
Drive alone
75%
81%
79%
69%
Carpool
11%
9%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
0%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
13%
8%
9%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
On average, a household in Ward has 2.85 people, more than in Lonoke County (2.61).
In Ward, 13% of workers work from home, more than in Lonoke County (8%).
Do the math
What would you pay each month for a home in Ward?
A typical home is within reach of the typical income
We start with a typical home in Ward, worth $189,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Ward, which is $72,734 a year.
The calculator's FHA and conventional loan limits are those of all of Lonoke 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 Ward. 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 $6,619 (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
$1,534
at 7.18% · 30 years
Loan amount
$185,674
Total interest
$267,142
Paid off in
November 2056
Includes $3,193 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,697 a month
Your payment · 25%
Tight
$1,697 to $2,182 a month
Hard
more than $2,182 a month
Compared with the typical household income in Ward ($72,734 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,258
Property tax
$114
Home insurance
$79
FHA mortgage insurance (MIP)
$84
You need at least $6,619 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 $1,534; principal and interest $1,258.
The city and its county
Ward and Lonoke County
Ward is in Lonoke 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).
Ward
Map of Lonoke County, Arkansas, with Ward marked. Around it, the neighboring counties.
Ward
Lonoke County
Other cities with a page
Ward's own numbers
Typical home value
$189,100
Typical monthly rent
$1,202
Typical yearly household income
$72,734
Households that own their home
69%
Effective property tax rate
0.72%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Lonoke 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)
+41%
Homes in a high flood-risk zone
5.8%
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 Lonoke County.
A typical home in Ward is worth $189,100: 2% below the county and about the same as Arkansas. With the typical household income in Ward ($72,734 a year), a typical home costs 2.6 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.
Ward2.6 years
Lonoke2.7 years
Arkansas3.1 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Lonoke County
According to FHFA’s house price index, home prices in Lonoke County rose 57% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Lonoke County.
Yearly change in FHFA’s price index in Lonoke County, 2016 to 2025
2016: +1.1% +1.1% 2016
2017: +2.2% +2.2% 2017
2018: +1.0% +1.0% 2018
2019: +3.3% +3.3% 2019
2020: +3.1% +3.1% 2020
2021: +9.2% +9.2% 2021
2022: +15.2% +15.2% 2022
2023: +9.3% +9.3% 2023
2024: +4.1% +4.1% 2024
2025: −1.3% −1.3% 2025
Change in FHFA’s price index in Lonoke County, Arkansas and the United States
Period
County
Arkansas
U.S.
Last year (2025)
−1.3%
+3.4%
+2.9%
5 years (2020–2025)
+41%
+52%
+47%
10 years (2015–2025)
+57%
+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
Ward next to Lonoke 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
Ward$189,100
Lonoke$193,600
Arkansas$188,000
United States$332,700
Typical monthly rent
Ward$1,202
Lonoke$1,025
Arkansas$947
United States$1,413
Typical yearly household income
Ward$72,734
Lonoke$72,828
Arkansas$60,773
United States$80,734
See the full table
Ward next to Lonoke County and Arkansas
Measure
Ward
Lonoke County
Arkansas
U.S.
Typical home value
$189,100 ▼2% below the county
$193,600
$188,000
$332,700
Typical monthly rent
$1,202 ▲17% above the county
$1,025
$947
$1,413
Typical yearly household income
$72,734
$72,828
$60,773
$80,734
Households that own their home
69% ▼6 points below the county
75%
66%
65%
Typical yearly property tax
$1,368 ▲13% above the county
$1,211
$1,040
$3,119
Effective property tax rate
0.72% ▲0.09 points above the county
0.63%
0.55%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lonoke 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 Ward
For a typical $189,100 home in Ward, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ward's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,534a month
Least cash to close
Down payment
$6,619
Cash to close
$12,292
Rate
7.18%
Mortgage insurance
FHA MIP · $84
Conventional, 5% down$1,499a month
Down payment
$9,455
Cash to close
$15,128
Rate
7.18%
Mortgage insurance
PMI · $90
Conventional, 20% down, no PMI$1,217a month
Down payment
$37,820
Cash to close
$43,493
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,392a month
Down payment
$28,365
Cash to close
$34,038
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Ward
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,534
$6,619
$185,675
7.18%
FHA MIP · $84
$12,292
580
Conventional, 5% down
$1,499
$9,455
$179,645
7.18%
PMI · $90
$15,128
620*
Conventional, 20% down, no PMI
$1,217
$37,820
$151,280
7.18%
None
$43,493
620*
ITIN, 15% down (example)
$1,392
$28,365
$160,735
8.18%
None
$34,038
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 Ward is $1,202 a month: 17% above the county.
HUD publishes a fair market rent for all of Lonoke 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Lonoke County (Fiscal year 2027)
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 Ward
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ward is in ZIP code 72176.
For 2 bedrooms it is $1,090: $31 less than the fair market rent for Lonoke County ($1,121).
Fair market rent by ZIP code and size in Ward, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
72176
$920
$930
$1,090
$1,460
$1,740
ZIP code2 bd3 bd
72176 $1,090$1,460
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ward 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)
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 Lonoke 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 Ward or Lonoke County. The ones below are statewide in Arkansas: they work in Ward 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 Ward or Lonoke 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 Ward and all of Lonoke 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 Ward?
The typical home value in Ward is $189,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lonoke County it is $193,600.
How much does it cost to rent in Ward?
Typical rent in Ward is $1,202 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lonoke County is $1,121.
What is the FHA loan limit in Ward?
Ward uses the FHA limit for all of Lonoke 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 Ward?
The typical homeowner in Ward pays $1,368 a year, according to the U.S. Census Bureau. That is 0.72% of the home’s value; in Lonoke County, the rate is 0.63%.
Where can I find free help to buy or rent in Ward?
We found no HUD-approved counseling agencies with an office in Lonoke County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
