Total monthly cost of ownership
Cost to Own a Home in Swifton, Arkansas
A $74,000 home here costs
$724per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $380. The real number is $344 higher every month — 90% 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.
Swifton against Jackson County and Arkansas
| Measure | Swifton | Jackson County |
|---|---|---|
| Median home value | $73,500 | $87,300 |
| Median property tax | $352 | $492 |
| Effective tax rate | 0.479% | 0.564% |
| Median gross rent | $531 | $662 |
| Population | 1,082 | 16,775 |
The weather behind that power bill
Swifton sits in Jackson County, which averages a high of 89.4°F in its hottest month and a low of 29.6°F in its coldest, with 51.19" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 1,836 cooling and 3,579 heating degree days, which is what sets the $129 electricity line above.
See the full climate breakdown for Jackson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Jackson County
Full Jackson County cost breakdown · Every county in Arkansas
Common questions
How much does it cost to own a home in Swifton?
A $74,000 home in Swifton, Arkansas costs approximately $724 per month with 20% down at 6.66%. That is $380 principal and interest, $30 property tax, $55 homeowners insurance, $197 utilities and $62 set aside for maintenance.
What is the property tax rate in Swifton?
Swifton has an effective property tax rate of 0.479%, based on a median home value of $73,500 and median real estate taxes of $352. That is lower than the Jackson County average of 0.564%.
What is the average home price in Swifton?
The median owner-occupied home value in Swifton, Arkansas is $73,500, against $87,300 across Jackson County.
Is it cheaper to rent or buy in Swifton?
Median gross rent in Swifton is $531 a month, against $724 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 Swifton — 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.