Total monthly cost of ownership
Cost to Own a Home in Stuttgart, Arkansas
A $151,000 home here costs
$1,287per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $776. The real number is $511 higher every month — 66% 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.
Stuttgart against Arkansas County and Arkansas
| Measure | Stuttgart | Arkansas County |
|---|---|---|
| Median home value | $150,600 | $129,400 |
| Median property tax | $902 | $722 |
| Effective tax rate | 0.599% | 0.558% |
| Median gross rent | $828 | $799 |
| Population | 8,060 | 16,773 |
The weather behind that power bill
Stuttgart sits in Arkansas County, which averages a high of 91.3°F in its hottest month and a low of 33.2°F in its coldest, with 50.63" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 2,236 cooling and 2,886 heating degree days, which is what sets the $129 electricity line above.
See the full climate breakdown for Arkansas County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Arkansas County
Full Arkansas County cost breakdown · Every county in Arkansas
Common questions
How much does it cost to own a home in Stuttgart?
A $151,000 home in Stuttgart, Arkansas costs approximately $1,287 per month with 20% down at 6.66%. That is $776 principal and interest, $75 property tax, $113 homeowners insurance, $197 utilities and $126 set aside for maintenance.
What is the property tax rate in Stuttgart?
Stuttgart has an effective property tax rate of 0.599%, based on a median home value of $150,600 and median real estate taxes of $902. That is higher than the Arkansas County average of 0.558%.
What is the average home price in Stuttgart?
The median owner-occupied home value in Stuttgart, Arkansas is $150,600, against $129,400 across Arkansas County.
Is it cheaper to rent or buy in Stuttgart?
Median gross rent in Stuttgart is $828 a month, against $1,287 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 Stuttgart — 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.