Market Overview
Home Prices in Stephens, AR
The median home value in Stephens, AR is $77,455 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 3.9% compared to a year ago and down 15% from two years prior.
Compared to the U.S. national median of $410,000, homes in Stephens are priced81% below average. Stephens is part of the Camden, AR metro area.
Over the past five years, Stephens home values have fallen by approximately19.6%, reflecting softening conditions in this market.
Price History
Stephens Home Price Trend
City Comparison
Stephens vs. National Median
At $77,455, homes in Stephens cost 81% below the national median of $410,000. This makes Stephens a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Stephens?
20% Down Payment
$15,491
on $77,455
Monthly P&I
$404/mo
30-yr @ 6.8%
Total Monthly Est.
~$513/mo
incl. taxes & insurance
Income Needed
$20,520
gross annual (30% rule)
10% Down Option
$7,746
+ PMI applies
Loan Amount (20% dn)
$61,964
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Stephens, AR?
The median home value in Stephens is $77,455 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 3.9% year-over-year.
How much have home prices changed in Stephens?
Over the past year, home values in Stephens have decreased by 3.9%. Over five years, prices have fallen approximately 19.6%.
How much do I need to earn to buy a home in Stephens?
To comfortably afford the median home price of $77,455 with a 20% down payment ($15,491) at today's rates (6.8%), you'd need a gross annual income of approximately $20,520. This assumes keeping total housing costs at or below 30% of gross income.
How does Stephens compare to the national average home price?
The national median home value is approximately $410,000. At $77,455, homes in Stephens are 81% below the national average.
What metro area is Stephens part of?
Stephens is part of the Camden, AR metropolitan area. Home prices and market conditions can vary across the broader metro region.