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Hot Springs, AR

Cost of living in Garland County, AR

Part of the Hot Springs Metro Area

Estimated monthly cost
$2,605/mo
for a single person, all categories combined

Population 100,062 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $805 31%
Healthcare $480 18%
Federal tax $375 14%
Transport $320 12%
Groceries $303 12%
Energy $192 7%
State tax $75 3%
Water $55 2%

Rent in Garland County

Fair Market Rents by bedroom count.

Studio
$799
per month
1 bedroom
$805
per month
2 bedroom
$1,037
per month
3 bedroom
$1,311
per month
4 bedroom
$1,627
per month

Source: HUD FMR FY2025

Income and earnings in Garland County

Annual earnings figures from the Census ACS.

Household income
$55,409
per year
Individual earnings
$32,999
per year
Per capita
$32,793
per year

Source: ACS 2019-2023 5-Year.

Home values in Garland County

Average values reported by homeowners.

Average home value
$176,400
Annual property tax
$915

Source: ACS 2019-2023 5-Year

Energy costs in Garland County

Estimated monthly electricity and gas costs.

Electricity
$148
per month · 13.5¢/kWh
Natural gas
$44
per month
Annual total
$2,304
per year

Source: EIA

Healthcare in Garland County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
9.5%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Garland County

State and local tax rates for Arkansas.

State income tax
3.9%
Top marginal rate
State sales tax
6.5%
Combined sales tax
9.5%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Garland County

Commute patterns and estimated costs.

Average commute
21.9 min
Drive alone
79.8%
Public transit
0.2%
Work from home
6.2%

Source: ACS

Monthly cost estimates for Garland County

What it costs to live in Garland County each month.

Single person
$2,605
per month
  • Rent $805
  • Energy $192
  • Water $55
  • Groceries $303
  • Transport $320
  • Healthcare $480
  • Federal tax $375
  • State tax $75
Couple
$3,843
per month
  • Rent $1,037
  • Energy $230
  • Water $65
  • Groceries $502
  • Transport $420
  • Healthcare $864
  • Federal tax $577
  • State tax $148
Family
$6,231
per month
  • Rent $1,311
  • Energy $288
  • Water $75
  • Groceries $762
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $577
  • State tax $148

Frequently asked questions about Garland County

Common questions about cost of living, rent and salary.

What is the average rent in Garland County?

In Garland County, AR, a one-bedroom apartment averages $805 per month, a two-bedroom averages $1,037 per month, a three-bedroom averages $1,311 per month, according to HUD Fair Market Rent data.

What is the average salary in Garland County?

In Garland County, AR, the average household income is $55,409 per year and individual earnings for full-time workers average $32,999 per year, according to U.S. Census Bureau data.

What is the cost of living in Garland County?

The estimated cost of living in Garland County, AR is approximately $2,605 per month for a single person, $3,843 for a couple, $6,231 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Garland County?

The combined sales tax rate in Garland County, AR is 9.47%, which includes the Arkansas state rate of 6.50% plus an average local rate of 2.97%.

Is Garland County an affordable place to live?

Based on the data, a single person in Garland County, AR would need approximately $2,605 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $55,409 per year ($4,617 per month). Garland County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Garland County?

The ACA marketplace benchmark premium in Garland County, AR is approximately $480 per month for an individual. Approximately 9.5% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Garland County?

The average home value in Garland County, AR is $176,400, with average annual property taxes of $915, according to U.S. Census Bureau data.

How does Garland County compare to other areas?

You can compare Garland County, AR with any other US county using our comparison tool at /compare. Garland County is in the Hot Springs, AR metro area.

Other counties in Arkansas

Browse the full list of counties in Arkansas, ranked by cost of living.

See all counties in Arkansas

Compare Garland County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources