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City · 5,512 residents · Jefferson County, Arkansas

White Hall , Arkansas

In White Hall, a typical home is worth $212,700 and typical rent is $985 a month. Compared with all of Jefferson County, the typical home value is 88% higher, typical household income is 53% higher, and the share of households that own their home is 7 points lower.

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  • Typical home value

    $212,700

    88% above the county

    13% above Arkansas

    • White Hall
    • Jefferson
    • Arkansas

  • Typical rent

    $985a month

    11% above the county

    4% above Arkansas

    • White Hall
    • Jefferson
    • Arkansas

  • Typical household income

    $78,092a year

    53% above the county

    28% above Arkansas

    • White Hall
    • Jefferson
    • Arkansas

  • Households that own their home

    54%

    7 points below the county

    12 points below Arkansas

    • White Hall
    • Jefferson
    • Arkansas

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

Market now, with Zillow data

Zillow data
Typical home value
$136,594
0.5% more than 12 months ago

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

White Hall is in Jefferson 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 Jefferson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets White Hall apart

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

  1. The typical home in White Hall is worth $212,700, 88% more than in Jefferson County as a whole ($113,400).

  2. Nearby, in Pine Bluff, the typical home value is $89,400: 58% less than in White Hall ($212,700).

  3. The typical household income in White Hall is $78,092, 53% more than in Jefferson County as a whole ($51,096).

  4. Nearby, in Sheridan, the typical rent is $780: 21% less than in White Hall ($985).

  5. 54% of households in White Hall own their home, against 62% in Jefferson County.

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

The homes here

Housing in White Hall

What homes there are in White Hall, 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

The detached house is the most common home in White Hall: 73% of homes, near the figure in Jefferson County (71%).

Year built

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
Monthly rent with utilities

With a mortgage

$1,676 a month

Jefferson County: $1,195 a month

Without a mortgage

$463 a month

Jefferson County: $420 a month

Owners with a mortgage

57%

Jefferson County: 46%

The typical cost for an owner with a mortgage in White Hall is $1,676 a month, more than in Jefferson County ($1,195); without one, $463.

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

Homes in White Hall gained value more slowly than in Jefferson County: 32% since 2015–2019, against 36%.

The typical rent in White Hall stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureWhite HallJefferson CountyArkansasUnited States
Rental vacancy Unreliable estimate8.4%6.4%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate2.4%2.7%3.4%
People per household 2.432.462.462.53
Drive alone 97%85%79%69%
Carpool Unreliable estimate8%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate5%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutes10 to 19 minutes20 to 29 minutes

A household in White Hall has 2.43 people on average, about the same as in Jefferson County (2.46).

In White Hall, 97% of workers drive alone to work; in Jefferson County, 85%.

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 White Hall?

A typical home is within reach of the typical income

We start with a typical home in White Hall, worth $212,700, 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 White Hall, which is $78,092 a year.

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

Your numbers

Local data
$

Starts at the typical home value in White Hall. 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 $7,445 (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

$1,729

at 7.18% · 30 years

Loan amount
$208,847
Total interest
$300,482
Paid off in
November 2056

Includes $3,592 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,822 a month

    Your payment · 27%

  • Tight

    $1,822 to $2,343 a month

  • Hard

    more than $2,343 a month

Compared with the typical household income in White Hall ($78,092 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,729
Principal & interest$1,415
Property tax$131
Home insurance$89
FHA mortgage insurance (MIP)$94

You need at least $7,445 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

White Hall and Jefferson County

White Hall is in Jefferson 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).

White Hall's own numbers

Typical home value
$212,700
Typical monthly rent
$985
Typical yearly household income
$78,092
Households that own their home
54%
Effective property tax rate
0.74%

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

Numbers for all of Jefferson County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$955
Price change over 5 years (FHFA)
+37%
Homes in a high flood-risk zone
7%

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 Jefferson County.

Everything about Jefferson County

Buying

Buying a home in White Hall

A typical home in White Hall is worth $212,700: 88% above the county and 13% above Arkansas. With the typical household income in White Hall ($78,092 a year), a typical home costs 2.7 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.

  • White Hall 2.7 years
  • Jefferson 2.2 years
  • Arkansas 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Jefferson County

According to FHFA’s house price index, home prices in Jefferson County rose 55% in the 10 years through 2025.

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

Period County Arkansas U.S.
Last year (2025) +2.3% +3.4% +2.9%
5 years (2020–2025) +37% +52% +47%
10 years (2015–2025) +55% +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

White Hall next to Jefferson 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
  • White Hall $212,700
  • Jefferson $113,400
  • Arkansas $188,000
  • United States $332,700
Typical monthly rent
  • White Hall $985
  • Jefferson $888
  • Arkansas $947
  • United States $1,413
Typical yearly household income
  • White Hall $78,092
  • Jefferson $51,096
  • Arkansas $60,773
  • United States $80,734
See the full table
White Hall next to Jefferson County and Arkansas
Measure White Hall Jefferson County Arkansas U.S.
Typical home value $212,700 $113,400 $188,000 $332,700
Typical monthly rent $985 $888 $947 $1,413
Typical yearly household income $78,092 $51,096 $60,773 $80,734
Households that own their home 54% 62% 66% 65%
Typical yearly property tax $1,569 $745 $1,040 $3,119
Effective property tax rate 0.74% 0.66% 0.55% 0.94%
Renters with high rent for their income 33% 46% 45% 51%

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

For a typical $212,700 home in White Hall, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, White Hall's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,729a month

    Least cash to close
    Down payment
    $7,445
    Cash to close
    $13,826
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $94

  • Conventional, 5% down $1,690a month

    Down payment
    $10,635
    Cash to close
    $17,016
    Rate
    7.18%
    Mortgage insurance
    PMI · $101

  • Conventional, 20% down, no PMI $1,373a month

    Down payment
    $42,540
    Cash to close
    $48,921
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,569a month

    Down payment
    $31,905
    Cash to close
    $38,286
    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 White Hall and for Jefferson County.

Property tax

Effective rate in White Hall

0.74%of the home’s value each year

$1,569 a year for the typical owner in White Hall.

  • White Hall 0.74%
  • Jefferson 0.66%
  • 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 Jefferson County

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

Homes in the high-risk zone
7%
2,024
Of those, with NFIP insurance
12%
County Arkansas U.S.
Homes in the high-risk zone 7% 3.4% 3.5%
Of those, with NFIP insurance 12% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in White Hall

Typical rent in White Hall is $985 a month: 11% above the county. In White Hall, 33% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Jefferson County, by unit size. To pay the 2-bedroom one ($955 a month) without spending more than 30% of your income, you would need to earn $18.37 an hour working full time.

HUD fair market rent for all of Jefferson 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 $782 $15.04 $31,280
1 bedroom $787 $15.13 $31,480
2 bedrooms $955 $18.37 $38,200
3 bedrooms $1,239 $23.83 $49,560
4 bedrooms $1,266 $24.35 $50,640

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 White Hall

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). White Hall is in ZIP code 71602.

For 2 bedrooms it is $970: $15 more than the fair market rent for Jefferson County ($955).

  • 71602 $970$1,260

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

Free help

Help to buy or rent in White Hall

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 Jefferson 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 White Hall

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

The HUD-approved agencies closest to the center of White Hall, 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 · 34 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 · 34 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (501) 406-6000

  • In Affordable Housing, Incorporated

    3224 Shackleford Pass, Little Rock · 35 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (501) 221-2203

All counseling agencies in Arkansas

Help in Spanish near White Hall

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 White Hall

In HUD’s record, no housing authority with an office in Jefferson County is named for White Hall or Jefferson County.

One other authority has an office in Jefferson County: see the list Source: HUD

Cities

Other cities in Jefferson County

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

Everything about Jefferson County Housing in Arkansas

Nearby cities

The cities closest to White Hall, with the typical home value.

Neighboring counties

If Jefferson 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 White Hall.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about White Hall

Short answers with the numbers for White Hall and all of Jefferson 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 White Hall?

The typical home value in White Hall is $212,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jefferson County it is $113,400.

How much does it cost to rent in White Hall?

Typical rent in White Hall is $985 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jefferson County is $955.

What is the FHA loan limit in White Hall?

White Hall uses the FHA limit for all of Jefferson 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 White Hall?

The typical homeowner in White Hall pays $1,569 a year, according to the U.S. Census Bureau. That is 0.74% of the home’s value; in Jefferson County, the rate is 0.66%.

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

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