Total monthly cost of ownership
Cost to Own a Home in Arkadelphia, Arkansas
A $176,000 home here costs
$1,472per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $905. The real number is $567 higher every month — 63% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Arkadelphia against Clark County and Arkansas
| Measure | Arkadelphia | Clark County |
|---|---|---|
| Median home value | $176,000 | $147,100 |
| Median property tax | $1,099 | $839 |
| Effective tax rate | 0.624% | 0.570% |
| Median gross rent | $741 | $734 |
| Population | 10,316 | 21,378 |
The weather behind that power bill
Arkadelphia sits in Clark County, which averages a high of 93.3°F in its hottest month and a low of 32.7°F in its coldest, with 52.87" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 2,207 cooling and 2,858 heating degree days, which is what sets the $129 electricity line above.
See the full climate breakdown for Clark County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Clark County
Common questions
How much does it cost to own a home in Arkadelphia?
A $176,000 home in Arkadelphia, Arkansas costs approximately $1,472 per month with 20% down at 6.66%. That is $905 principal and interest, $92 property tax, $131 homeowners insurance, $197 utilities and $147 set aside for maintenance.
What is the property tax rate in Arkadelphia?
Arkadelphia has an effective property tax rate of 0.624%, based on a median home value of $176,000 and median real estate taxes of $1,099. That is higher than the Clark County average of 0.570%.
What is the average home price in Arkadelphia?
The median owner-occupied home value in Arkadelphia, Arkansas is $176,000, against $147,100 across Clark County.
Is it cheaper to rent or buy in Arkadelphia?
Median gross rent in Arkadelphia is $741 a month, against $1,472 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Arkadelphia — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Arkansas.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.