The typical owner-occupied home in Searcy County is worth about $110,000, 41% below the Arkansas median of $188,000 and 67% below the national median of $332,700. Owners pay a median $468 a year in property taxes, about 0.43% of their home's value, lower than the Arkansas rate of 0.55%. The median household earns $44,426 a year, so the median home costs 2.5 times the median income (3.1 times for Arkansas). 79% of occupied homes here are lived in by their owners, and 30% of those owners still have a mortgage.
Searcy County at a glance
| Searcy County | Arkansas | U.S. | |
|---|---|---|---|
| Median home value | $110,000 | $188,000 | $332,700 |
| Median property tax paid per year | $468 | $1,040 | $3,119 |
| Property tax as a share of value | 0.43% | 0.55% | 0.94% |
| Median household income | $44,426 | $60,773 | $80,734 |
| Homes lived in by their owners | 79% | 66% | 65% |
| Owner homes with a mortgage | 30% | 53% | 61% |
| Median monthly costs, owners with a mortgage | $1,064 | $1,345 | $1,963 |
| Those costs as a share of the owners' income | 24.3% | 18.5% | 21.0% |
| Median rent | $606 | $947 | $1,413 |
| Rent as a share of renters' income | 32.4% | 27.6% | 30.6% |
| Median year homes were built | 1984 | 1987 | 1980 |
| Vacant homes | 32.3% | 13.5% | 10.1% |
| Population | 7,859 | 3,049,391 | 334,922,499 |
What a typical home costs per month in Searcy County
At this week's average 30-year rate of 7.11%, buying the median Searcy County home of $110,000 with 20% down costs about $677 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $860, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $29,024 for the 20%-down payment. That payment is 18% of the median Searcy County household income of $44,426; at that income and 20% down, the 28% guideline points to a home of about $168,000.
The median rent here is $606 a month, so owning the median home costs about $71 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $22,000 |
|---|---|
| Loan amount | $88,000 |
| Principal and interest | $592 |
| Property taxes (0.43% a year) | $39 |
| Homeowners insurance (our estimate, 0.5% a year) | $46 |
| PMI | $0 |
| Total per month | $677 |
Change the numbers in the calculator
| Down payment | $3,850 |
|---|---|
| Loan amount | $108,008 |
| Principal and interest | $727 |
| Property taxes (0.43% a year) | $39 |
| Homeowners insurance (our estimate, 0.5% a year) | $46 |
| FHA mortgage insurance | $49 |
| Total per month | $860 |
Change the numbers in the calculator
Questions about home buying in Searcy County
What is the median home value in Searcy County?
About $110,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Searcy County?
Homeowners pay a median $468 a year, which is about 0.43% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Searcy County?
For the median home with 20% down at 7.11%, the payment is about $677 a month. Keeping that under 28% of gross income takes about $29,024 a year.
More about Searcy County
- Mortgage Refinance in Searcy County
- Debt Relief in Searcy County
- Home Equity Loans in Searcy County
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data