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City · 15,205 residents · Shelby County, Tennessee

Arlington , Tennessee

In Arlington, a typical home is worth $424,400 and typical rent is $2,164 a month. Compared with all of Shelby County, typical household income is 112% higher, typical rent is 76% higher, and the share of households that own their home is 31 points higher.

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  • Typical home value

    $424,400

    70% above the county

    48% above Tennessee

    • Arlington
    • Shelby
    • Tennessee

  • Typical rent

    $2,164a month

    76% above the county

    82% above Tennessee

    • Arlington
    • Shelby
    • Tennessee

  • Typical household income

    $135,105a year

    112% above the county

    94% above Tennessee

    • Arlington
    • Shelby
    • Tennessee

  • Households that own their home

    85%

    31 points above the county

    18 points above Tennessee

    • Arlington
    • Shelby
    • Tennessee

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

Market now, with Zillow data

Zillow data
Typical home value
$406,895
1.5% less than 12 months ago
Typical rent
$2,334 a month
1.7% more than 12 months ago

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

Arlington is in Shelby 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 Shelby County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Arlington apart

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

  1. 85% of households in Arlington own their home, against 54% in Shelby County.

  2. The typical rent in Arlington is $2,164 a month, 76% more than in Shelby County as a whole ($1,232).

  3. The typical household income in Arlington is $135,105, 112% more than in Shelby County as a whole ($63,767).

  4. The typical home in Arlington is worth $424,400, 70% more than in Shelby County as a whole ($249,100).

  5. Nearby, in Atoka, the typical rent is $1,237: 43% less than in Arlington ($2,164).

  6. Nearby, in Bartlett, the typical home value is $310,400: 27% less than in Arlington ($424,400).

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

The homes here

Housing in Arlington

What homes there are in Arlington, 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, standing on their own, make up 93% of homes here, against 66% in Shelby County.

Year built

Here half of the homes date from 2005 or later; in Shelby County, from 1977 or later.

Homes in Arlington are bigger: 94% have 3 bedrooms or more; in Shelby County, 63%.

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

$2,262 a month

Shelby County: $1,682 a month

Without a mortgage

$739 a month

Shelby County: $602 a month

Owners with a mortgage

83%

Shelby County: 62%

In Arlington, 83% of owners have a mortgage, and their typical cost is $2,262 a month, against $1,682 in Shelby County. Without one it drops to $739.

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 Arlington rose 78% since 2015–2019, more than in Shelby County (66%).

Since 2015–2019, the typical rent in Arlington rose 20%, less than in Shelby County (31%).

To compare: typical income in Arlington rose 32%; the home, +78%; the rent, +20%.

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

MeasureArlingtonShelby CountyTennesseeUnited States
Rental vacancy Unreliable estimate7.9%6.1%5.5%
Homeowner vacancy Unreliable estimate0.5%0.9%0.9%
More than one person per room Unreliable estimate2.4%2.2%3.4%
People per household 3.142.492.452.53
Drive alone 78%77%76%69%
Carpool 6%9%8%9%
Public transit Unreliable estimate1%0%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 15%11%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Arlington has 3.14 people, more than in Shelby County (2.49).

In Arlington, 15% of workers work from home, more than in Shelby County (11%).

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 Arlington?

A typical home is tight for the typical income

We start with a typical home in Arlington, worth $424,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Arlington, which is $135,105 a year. For that payment to be 28% of income, a household would need to earn about $148,733 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Arlington. 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 $14,854 (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

$3,470

at 7.18% · 30 years

Loan amount
$416,713
Total interest
$599,552
Paid off in
November 2056

Includes $7,167 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,152 a month

  • Tight

    $3,152 to $4,053 a month

    Your payment · 31%

  • Hard

    more than $4,053 a month

Compared with the typical household income in Arlington ($135,105 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,470
Principal & interest$2,823
Property tax$283
Home insurance$177
FHA mortgage insurance (MIP)$188

You need at least $14,854 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

Arlington and Shelby County

Arlington is in Shelby County, Tennessee. 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).

Arlington's own numbers

Typical home value
$424,400
Typical monthly rent
$2,164
Typical yearly household income
$135,105
Households that own their home
85%
Effective property tax rate
0.8%

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

Numbers for all of Shelby 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)
+38%
Homes in a high flood-risk zone
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 Shelby County.

Everything about Shelby County

Buying

Buying a home in Arlington

A typical home in Arlington is worth $424,400: 70% above the county and 48% above Tennessee. With the typical household income in Arlington ($135,105 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.

  • Arlington 3.1 years
  • Shelby 3.9 years
  • Tennessee 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Shelby County

According to FHFA’s house price index, home prices in Shelby County rose 82% in the 10 years through 2025.

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

Period County Tennessee U.S.
Last year (2025) −0.1% +2.4% +2.9%
5 years (2020–2025) +38% +60% +47%
10 years (2015–2025) +82% +114% +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

Arlington next to Shelby County, Tennessee and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Arlington $424,400
  • Shelby $249,100
  • Tennessee $286,700
  • United States $332,700
Typical monthly rent
  • Arlington $2,164
  • Shelby $1,232
  • Tennessee $1,189
  • United States $1,413
Typical yearly household income
  • Arlington $135,105
  • Shelby $63,767
  • Tennessee $69,595
  • United States $80,734
See the full table
Arlington next to Shelby County and Tennessee
Measure Arlington Shelby County Tennessee U.S.
Typical home value $424,400 $249,100 $286,700 $332,700
Typical monthly rent $2,164 $1,232 $1,189 $1,413
Typical yearly household income $135,105 $63,767 $69,595 $80,734
Households that own their home 85% 54% 67% 65%
Typical yearly property tax $3,411 $2,429 $1,442 $3,119
Effective property tax rate 0.8% 0.98% 0.5% 0.94%

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

For a typical $424,400 home in Arlington, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Arlington's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,470a month

    Least cash to close
    Down payment
    $14,854
    Cash to close
    $27,586
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $188

  • Conventional, 5% down $3,393a month

    Down payment
    $21,220
    Cash to close
    $33,952
    Rate
    7.18%
    Mortgage insurance
    PMI · $202

  • Conventional, 20% down, no PMI $2,760a month

    Down payment
    $84,880
    Cash to close
    $97,612
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,152a month

    Down payment
    $63,660
    Cash to close
    $76,392
    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 Arlington and for Shelby County.

Property tax

Effective rate in Arlington

0.8%of the home’s value each year

$3,411 a year for the typical owner in Arlington.

  • Arlington 0.8%
  • Shelby 0.98%
  • Tennessee 0.5%

What Tennessee publishes Property tax relief for older, disabled and disabled-veteran homeowners (Tennessee Comptroller of the Treasury, 2026 Property Tax Relief Program brochure)

Exemptions and deadlines in Tennessee

Flood risk in Shelby County

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

Homes in the high-risk zone
1%
3,036
Of those, with NFIP insurance
18%
County Tennessee U.S.
Homes in the high-risk zone 1% 1.6% 3.5%
Of those, with NFIP insurance 18% 25% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Arlington

Typical rent in Arlington is $2,164 a month: 76% above the county.

HUD publishes a fair market rent for all of Shelby 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 Shelby 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 Arlington

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Arlington is in ZIP code 38002.

For 2 bedrooms it is $1,860: $559 more than the fair market rent for Shelby County ($1,301).

  • 38002 $1,860$2,460

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

HUD lists one building with rents for lower incomes in Arlington.

  • Arlington Manor 11216 Marquis Ct, Arlington 38002 32 low-income homes · Studio: 1 · 1 bd: 16 · 2 bd: 15 · In service since 1991

See all 194 buildings in Shelby County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Arlington

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 are 5 HUD-approved agencies with an office in Shelby County; 1 says it serves in Spanish.

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

HUD counseling is free or low-cost

Assistance programs in Arlington

No down payment, repair or rent-help program on our list is for Arlington or Shelby County. The ones below are statewide in Tennessee: they work in Arlington the same as in the rest of the state.

Which programs do I qualify for? All programs in Tennessee

  • Great Choice Plus

    Statewide in Tennessee

    Tennessee state agency help with the down payment and closing costs alongside the Great Choice mortgage: $6,000 or $10,000 forgivable over 10 years with no payments, or up to 5% of the price (maximum $15,000) as a 30-year second mortgage. Offered by Tennessee Housing Development Agency (THDA).

    ForgivableRepayable

    See the program Official page

Housing counselors near Arlington

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

  • Operation Hope - Memph TN - Poplar Av

    6815 Poplar Ave Ste 100, Memphis · 15 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (571) 544-2282

  • United Housing, Inc.

    2750 Colony Park Dr, Memphis · 19 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (901) 272-1122

  • Frayser Community Development Corporation

    3684 N Watkins St, Memphis · 19 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (901) 354-9401

Every agency in Shelby County All counseling agencies in Tennessee

Help in Spanish near Arlington

None 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 Arlington

In HUD’s record, no housing authority with an office in Shelby County is named for Arlington or Shelby County.

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

Cities

Other cities in Shelby County

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

Everything about Shelby County Housing in Tennessee

Nearby cities

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

Neighboring counties

If Shelby 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 Arlington.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Arlington

Short answers with the numbers for Arlington and all of Shelby 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 Arlington?

The typical home value in Arlington is $424,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Shelby County it is $249,100.

How much does it cost to rent in Arlington?

Typical rent in Arlington is $2,164 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Shelby County is $1,301.

What is the FHA loan limit in Arlington?

Arlington uses the FHA limit for all of Shelby 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 Arlington?

The typical homeowner in Arlington pays $3,411 a year, according to the U.S. Census Bureau. That is 0.8% of the home’s value; in Shelby County, the rate is 0.98%.

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

There are 5 HUD-approved counseling agencies with an office in Shelby 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).