Total monthly cost of ownership
Cost to Own a Home in Des Arc, Arkansas
A $87,000 home here costs
$861per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $37,000 a year.
A standard mortgage calculator would have told you $474. The real number is $387 higher every month, 82% more than the payment most buyers budget for.
Compare Prairie County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Des Arc from a five-year rolling sample, and with about 1,447 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Prairie County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Des Arc against Prairie County and Arkansas
| Measure | Des Arc | Prairie County |
|---|---|---|
| Median home value | $86,800 | $87,500 |
| Median property tax | $371 | $539 |
| Effective tax rate | 0.427% | 0.616% |
| Median gross rent | $503 | $637 |
| Population | 1,447 | 8,162 |
The weather behind that power bill
Des Arc sits in Prairie County, which averages a high of 92.0°F in its hottest month and a low of 32.6°F in its coldest, with 50.04" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 2,232 cooling and 3,037 heating degree days, which is what sets the $151 electricity line above.
See the full climate breakdown for Prairie County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Prairie County
Full Prairie County cost breakdown · Every county in Arkansas
Talk to someone who works this market
These are Des Arc averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Des Arc every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Des Arc I already own here and may sell
Common questions
How much does it cost to own a home in Des Arc?
A $87,000 home in Des Arc, Arkansas costs approximately $861 per month with 20% down at 7.24%. That is $474 principal and interest, $31 property tax, $65 homeowners insurance, $219 utilities and $73 set aside for maintenance.
What is the property tax rate in Des Arc?
Des Arc has an effective property tax rate of 0.427%, based on a median home value of $86,800 and median real estate taxes of $371. That is lower than the Prairie County average of 0.616%.
What is the average home price in Des Arc?
The median owner-occupied home value in Des Arc, Arkansas is $86,800, against $87,500 across Prairie County.
Is it cheaper to rent or buy in Des Arc?
Median gross rent in Des Arc is $503 a month, against $861 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Des Arc?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Des Arc, Arkansas at today's rate takes a household income of roughly $37,000 a year. That covers the full $861 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Des Arc, 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.