Total monthly cost of ownership
Cost to Own a Home in Des Arc, Arkansas
A $87,000 home here costs
$813per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $447. The real number is $366 higher every month — 82% 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.
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 $129 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
Common questions
How much does it cost to own a home in Des Arc?
A $87,000 home in Des Arc, Arkansas costs approximately $813 per month with 20% down at 6.66%. That is $447 principal and interest, $31 property tax, $65 homeowners insurance, $197 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 $813 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 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.