🏛️
FHA Calculator
Includes upfront + monthly MIP
🎖️
VA Calculator
VA funding fee · Zero monthly MIP

Safe Rate Local

Arkansas Mortgage Calculator

Estimate your true cost of homeownership in Arkansas with localized property taxes, insurance, and utility data.

← Back to Arkansas Hub
Est. Total Monthly Cost
$1,650
P&I Payment$1,243
Taxes & Ins$207
Utilities$200

Mortgage Details

$235,385
Local Median: $235,385
$47,077 (20%)
%

Local Area Costs

Ready to see real rates?

Get a live quote priced specifically for Arkansas using Safe Rate's engine.

Monthly$1,650

Monthly Breakdown

Principal & Interest
$1,243
Property Taxes
$97
Homeowners Ins.
$110
Est. Utilities
$200

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$259,297

Local Housing Facts for Arkansas

  • ·Median home value: $235,385 (adjusted for current market conditions)
  • ·Est. property taxes: $1,164/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,318/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,400/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in Arkansas?

Based on the local median home value, estimated real estate property taxes in Arkansas are around $1,164 per year.

What is the average home price in Arkansas?

The median home value in Arkansas is currently estimated at $235,385.

How much does homeowners insurance cost in Arkansas?

For a median priced home, homeowners insurance in Arkansas averages around $1,318 annually.

What is the true total cost of owning a home in Arkansas?

True homeownership costs go beyond principal and interest. In Arkansas, a typical homeowner with a median-priced home of $235,385 can expect to pay roughly $1,164/yr in property taxes, $1,318/yr for homeowners insurance, and $2,400/yr in energy utilities. That adds approximately $407 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.