In Arkansas, the effective property-tax rate averages about 0.62% of home value. On the state's median-priced home ($178,000) with 20% down at 6.85%, the all-in monthly payment is roughly $1,077.01 including taxes and insurance.
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| Year | Principal paid | Interest paid | Ending balance |
|---|---|---|---|
| 1 | $1,489 | $9,708 | $140,911 |
| 2 | $1,594 | $9,603 | $139,317 |
| 3 | $1,707 | $9,490 | $137,610 |
| 4 | $1,827 | $9,370 | $135,783 |
| 5 | $1,957 | $9,240 | $133,826 |
| 6 | $2,095 | $9,102 | $131,731 |
| 7 | $2,243 | $8,954 | $129,488 |
| 8 | $2,402 | $8,795 | $127,087 |
| 9 | $2,571 | $8,626 | $124,515 |
| 10 | $2,753 | $8,444 | $121,762 |
| 11 | $2,948 | $8,249 | $118,814 |
| 12 | $3,156 | $8,041 | $115,658 |
| 13 | $3,379 | $7,818 | $112,279 |
| 14 | $3,618 | $7,579 | $108,661 |
| 15 | $3,874 | $7,323 | $104,787 |
| 16 | $4,148 | $7,049 | $100,639 |
| 17 | $4,441 | $6,756 | $96,198 |
| 18 | $4,755 | $6,442 | $91,443 |
| 19 | $5,091 | $6,106 | $86,352 |
| 20 | $5,451 | $5,746 | $80,901 |
| 21 | $5,836 | $5,361 | $75,064 |
| 22 | $6,249 | $4,948 | $68,816 |
| 23 | $6,691 | $4,506 | $62,125 |
| 24 | $7,164 | $4,033 | $54,961 |
| 25 | $7,670 | $3,527 | $47,291 |
| 26 | $8,212 | $2,985 | $39,079 |
| 27 | $8,793 | $2,404 | $30,286 |
| 28 | $9,414 | $1,783 | $20,872 |
| 29 | $10,080 | $1,117 | $10,792 |
| 30 | $10,792 | $405 | $0 |
Arkansas's effective property-tax rate averages about 0.62% of a home's value — roughly $1,104 per year on a $178,000 home. Actual bills vary by county and assessment.
On the median Arkansas home ($178,000) with 20% down at 6.85%, the full payment is about $1,077.01 including principal, interest, property tax, and insurance.
Rates are set nationally by market conditions and your credit, not by state, but closing costs, property taxes, and insurance — which shape your real monthly cost — vary significantly by state.
Sources: Freddie Mac Primary Mortgage Market Survey; Tax Foundation — Property Taxes by State; Consumer Financial Protection Bureau.
Estimates for educational purposes only — not a loan offer, financial advice, or a commitment to lend. Actual rates, payments, and terms vary by lender and creditworthiness.