Total monthly cost of ownership
Cost to Own a Home in Camden, Arkansas
A $109,000 home here costs
$972per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $560. The real number is $412 higher every month — 73% 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.
Camden against Ouachita County and Arkansas
| Measure | Camden | Ouachita County |
|---|---|---|
| Median home value | $108,800 | $99,600 |
| Median property tax | $508 | $500 |
| Effective tax rate | 0.467% | 0.502% |
| Median gross rent | $704 | $714 |
| Population | 10,427 | 22,317 |
The weather behind that power bill
Camden sits in Ouachita County, which averages a high of 92.0°F in its hottest month and a low of 31.2°F in its coldest, with 53.12" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 2,036 cooling and 2,950 heating degree days, which is what sets the $129 electricity line above.
See the full climate breakdown for Ouachita County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Ouachita County
Full Ouachita County cost breakdown · Every county in Arkansas
Common questions
How much does it cost to own a home in Camden?
A $109,000 home in Camden, Arkansas costs approximately $972 per month with 20% down at 6.66%. That is $560 principal and interest, $42 property tax, $81 homeowners insurance, $197 utilities and $91 set aside for maintenance.
What is the property tax rate in Camden?
Camden has an effective property tax rate of 0.467%, based on a median home value of $108,800 and median real estate taxes of $508. That is lower than the Ouachita County average of 0.502%.
What is the average home price in Camden?
The median owner-occupied home value in Camden, Arkansas is $108,800, against $99,600 across Ouachita County.
Is it cheaper to rent or buy in Camden?
Median gross rent in Camden is $704 a month, against $972 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 Camden — 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.