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City · 23,929 residents · Crittenden County, Arkansas

West Memphis , Arkansas

In West Memphis, a typical home is worth $120,100 and typical rent is $870 a month. Compared with all of Crittenden County, the typical home value is 25% lower, typical household income is 23% lower, and the share of households that own their home is 11 points lower.

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  • Typical home value

    $120,100

    25% below the county

    36% below Arkansas

    • West Memphis
    • Crittenden
    • Arkansas

  • Typical rent

    $870a month

    5% below the county

    8% below Arkansas

    • West Memphis
    • Crittenden
    • Arkansas

  • Typical household income

    $42,674a year

    23% below the county

    30% below Arkansas

    • West Memphis
    • Crittenden
    • Arkansas

  • Households that own their home

    46%

    11 points below the county

    20 points below Arkansas

    • West Memphis
    • Crittenden
    • Arkansas

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

Market now, with Zillow data

Zillow data
Typical home value
$131,298
5.3% more than 12 months ago
Typical rent
$1,200 a month

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

West Memphis is in Crittenden 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 Crittenden County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets West Memphis apart

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

  1. Nearby, in Trumann, the typical rent is $586: 33% less than in West Memphis ($870).

  2. Nearby, in Forrest City, the typical home value is $92,000: 23% less than in West Memphis ($120,100).

  3. The typical home in West Memphis is worth $120,100, 25% less than in Crittenden County as a whole ($160,200).

  4. The typical household income in West Memphis is $42,674, 23% less than in Crittenden County as a whole ($55,358).

  5. 46% of households in West Memphis own their home, against 57% in Crittenden County.

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

The homes here

Housing in West Memphis

What homes there are in West Memphis, 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 Crittenden County, most homes in West Memphis are detached houses (68%).

Year built

Homes in West Memphis are older: the typical year built is 1975; in Crittenden County, 1983.

There are fewer big homes in West Memphis than in Crittenden County: 58% have 3 bedrooms or more, against 65%.

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 99% of owner-occupied homes in West Memphis are worth less than $500,000, below the FHA loan limit for Crittenden County ($541,287).

Monthly rent with utilities

By rent, most homes in West Memphis cost less than HUD's 2-bedroom fair market rent ($1,301): about 82%.

With a mortgage

$1,057 a month

Crittenden County: $1,286 a month

Without a mortgage

$376 a month

Crittenden County: $436 a month

Owners with a mortgage

53%

Crittenden County: 57%

Owning costs less in West Memphis: with a mortgage, the typical cost is $1,057 a month; in Crittenden County, $1,286. Without one, $376.

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 West Memphis rose 38% since 2015–2019, about the same as in Crittenden County (40%).

The typical rent in West Memphis rose 23% since 2015–2019, about the same as in Crittenden County (25%).

The typical household income in West Memphis rose 29% over that time; home values changed +38% and rent +23%.

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

MeasureWest MemphisCrittenden CountyArkansasUnited States
Rental vacancy 7.5%6.9%6.4%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate2.1%2.7%3.4%
People per household 2.492.552.462.53
Drive alone 75%76%79%69%
Carpool 17%16%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 6%7%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutesUnreliable estimate10 to 19 minutes20 to 29 minutes

Open rentals in West Memphis look like those in Crittenden County: the rental vacancy rate is 7.5%.

By size, households in West Memphis look like those in Crittenden County: 2.49 people on average.

In West Memphis, 75% of workers drive alone to work; in Crittenden County, 76%.

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 West Memphis?

A typical home is within reach of the typical income

We start with a typical home in West Memphis, worth $120,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in West Memphis, which is $42,674 a year.

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

Your numbers

Local data
$

Starts at the typical home value in West Memphis. 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 $4,204 (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

$962

at 7.18% · 30 years

Loan amount
$117,924
Total interest
$169,665
Paid off in
November 2056

Includes $2,028 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $996 a month

    Your payment · 27%

  • Tight

    $996 to $1,280 a month

  • Hard

    more than $1,280 a month

Compared with the typical household income in West Memphis ($42,674 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$962
Principal & interest$799
Property tax$60
Home insurance$50
FHA mortgage insurance (MIP)$53

You need at least $4,204 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

West Memphis and Crittenden County

West Memphis is in Crittenden 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).

West Memphis's own numbers

Typical home value
$120,100
Typical monthly rent
$870
Typical yearly household income
$42,674
Households that own their home
46%
Effective property tax rate
0.6%

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

Numbers for all of Crittenden County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,301
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
4.3%

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 Crittenden County.

Everything about Crittenden County

Buying

Buying a home in West Memphis

A typical home in West Memphis is worth $120,100: 25% below the county and 36% below Arkansas. With the typical household income in West Memphis ($42,674 a year), a typical home costs 2.8 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.

  • West Memphis 2.8 years
  • Crittenden 2.9 years
  • Arkansas 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Crittenden County

According to FHFA’s house price index, home prices in Crittenden County rose 69% in the 10 years through 2025.

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

Period County Arkansas U.S.
Last year (2025) +12.5% +3.4% +2.9%
5 years (2020–2025) +49% +52% +47%
10 years (2015–2025) +69% +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

West Memphis next to Crittenden 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
  • West Memphis $120,100
  • Crittenden $160,200
  • Arkansas $188,000
  • United States $332,700
Typical monthly rent
  • West Memphis $870
  • Crittenden $911
  • Arkansas $947
  • United States $1,413
Typical yearly household income
  • West Memphis $42,674
  • Crittenden $55,358
  • Arkansas $60,773
  • United States $80,734
See the full table
West Memphis next to Crittenden County and Arkansas
Measure West Memphis Crittenden County Arkansas U.S.
Typical home value $120,100 $160,200 $188,000 $332,700
Typical monthly rent $870 $911 $947 $1,413
Typical yearly household income $42,674 $55,358 $60,773 $80,734
Households that own their home 46% 57% 66% 65%
Typical yearly property tax $726 $987 $1,040 $3,119
Effective property tax rate 0.6% 0.62% 0.55% 0.94%
Renters with high rent for their income 50% 45% 45% 51%

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

For a typical $120,100 home in West Memphis, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, West Memphis's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $962a month

    Least cash to close
    Down payment
    $4,204
    Cash to close
    $7,807
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $53

  • Conventional, 5% down $940a month

    Down payment
    $6,005
    Cash to close
    $9,608
    Rate
    7.18%
    Mortgage insurance
    PMI · $57

  • Conventional, 20% down, no PMI $761a month

    Down payment
    $24,020
    Cash to close
    $27,623
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $872a month

    Down payment
    $18,015
    Cash to close
    $21,618
    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 West Memphis and for Crittenden County.

Property tax

Effective rate in West Memphis

0.6%of the home’s value each year

$726 a year for the typical owner in West Memphis.

  • West Memphis 0.6%
  • Crittenden 0.62%
  • 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 Crittenden County

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

Homes in the high-risk zone
4.3%
725
Of those, with NFIP insurance
20%
County Arkansas U.S.
Homes in the high-risk zone 4.3% 3.4% 3.5%
Of those, with NFIP insurance 20% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in West Memphis

Typical rent in West Memphis is $870 a month: 5% below the county. In West Memphis, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Crittenden County, by unit size. To pay the 2-bedroom one ($1,301 a month) without spending more than 30% of your income, you would need to earn $25.02 an hour working full time.

HUD fair market rent for all of Crittenden 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 $1,095 $21.06 $43,800
1 bedroom $1,191 $22.90 $47,640
2 bedrooms $1,301 $25.02 $52,040
3 bedrooms $1,717 $33.02 $68,680
4 bedrooms $1,981 $38.10 $79,240

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 West Memphis

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). West Memphis has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,020 in 72301 to $1,140 in 72364.

None is above the fair market rent for Crittenden County ($1,301).

  • 72301 $1,020$1,350
  • 72364 $1,140$1,500

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for West Memphis 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 West Memphis

HUD lists 34 buildings with rents for lower incomes in West Memphis. These are the largest.

  • Courtyard Apts. 3050 Sl Henry St, West Memphis 72301 357 homes, 348 low-income · Run by West Memphis Housing Authority · Average payment: $318 a month · Average wait: 6 months (870) 735-3520
  • Park Plaza Apartments Ia 3952 E Service Rd, West Memphis 72301 128 homes, 126 low-income · 2 bd: 52 · 3 bd: 12 · In service since 2012
  • Meadows - West Memphis 1101 S Avalon St, West Memphis 72301 120 low-income homes · 1 bd: 16 · 2 bd: 40 · 3 bd: 64 · In service since 2003
  • Barton Court Apartments 2416 E Barton Ave, West Memphis 72301 80 low-income homes · 2 bd: 80 · In service since 2011
  • Ecumenical Village 217 W Jackson Ave, West Memphis 72301 68 homes, 67 low-income · For older adults (870) 735-1115

See all 39 buildings in Crittenden County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in West Memphis

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

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in West Memphis

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

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

  • Southern Bancorp Community Partners

    326 Highway 463 N, Trumann · 41 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (870) 816-1126

  • Southern Bancorp Community Partners

    425 Plaza, West Helena · 49 miles away

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (870) 816-1126

  • Mississippi County, Arkansas Economic Opportunity Commission, Inc.

    1400 North Division Street, Blytheville · 57 miles away · Spanish

    Also serves in American Sign Language (ASL).

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    870-776-1054-1032

All counseling agencies in Arkansas

Help in Spanish near West Memphis

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 West Memphis

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

  • West Memphis Housing Authority Public housing and Section 8 vouchers (870) 735-3520

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

Cities

Other cities in Crittenden County

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

Everything about Crittenden County Housing in Arkansas

Nearby cities

The cities closest to West Memphis, with the typical home value.

Neighboring counties

If Crittenden 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 West Memphis.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about West Memphis

Short answers with the numbers for West Memphis and all of Crittenden 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 West Memphis?

The typical home value in West Memphis is $120,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Crittenden County it is $160,200.

How much does it cost to rent in West Memphis?

Typical rent in West Memphis is $870 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Crittenden County is $1,301.

What is the FHA loan limit in West Memphis?

West Memphis uses the FHA limit for all of Crittenden 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 West Memphis?

The typical homeowner in West Memphis pays $726 a year, according to the U.S. Census Bureau. That is 0.6% of the home’s value; in Crittenden County, the rate is 0.62%.

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

We found no HUD-approved counseling agencies with an office in Crittenden 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).