Total monthly cost of ownership
Cost to Own a Home in Pine Bluff, Arkansas
A $86,000 home here costs
$820per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $442. The real number is $378 higher every month — 85% 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.
Pine Bluff against Jefferson County and Arkansas
| Measure | Pine Bluff | Jefferson County |
|---|---|---|
| Median home value | $86,400 | $106,000 |
| Median property tax | $541 | $667 |
| Effective tax rate | 0.626% | 0.629% |
| Median gross rent | $831 | $849 |
| Population | 40,436 | 65,780 |
The weather behind that power bill
Pine Bluff sits in Jefferson County, which averages a high of 91.7°F in its hottest month and a low of 33.8°F in its coldest, with 50.81" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 2,150 cooling and 2,833 heating degree days, which is what sets the $129 electricity line above.
See the full climate breakdown for Jefferson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Jefferson County
Full Jefferson County cost breakdown · Every county in Arkansas
Common questions
How much does it cost to own a home in Pine Bluff?
A $86,000 home in Pine Bluff, Arkansas costs approximately $820 per month with 20% down at 6.66%. That is $442 principal and interest, $45 property tax, $64 homeowners insurance, $197 utilities and $72 set aside for maintenance.
What is the property tax rate in Pine Bluff?
Pine Bluff has an effective property tax rate of 0.626%, based on a median home value of $86,400 and median real estate taxes of $541. That is in line with the Jefferson County average of 0.629%.
What is the average home price in Pine Bluff?
The median owner-occupied home value in Pine Bluff, Arkansas is $86,400, against $106,000 across Jefferson County.
Is it cheaper to rent or buy in Pine Bluff?
Median gross rent in Pine Bluff is $831 a month, against $820 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Pine Bluff — 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.