Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home Outright in Arkansas
Paying off a mortgage does not end the cost of a house. This ranks counties by what the median home still costs every month with no loan at all: property tax, insurance, electricity, water and maintenance. Nowhere in America is it zero.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Arkansas ranked
| # | County | Monthly if paid off | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Lafayette County | $371 | $74,600 | 0.566% |
| 2 | Lee County | $375 | $77,900 | 0.525% |
| 3 | Phillips County | $380 | $76,200 | 0.656% |
| 4 | Monroe County | $382 | $82,200 | 0.493% |
| 5 | Nevada County | $392 | $85,700 | 0.539% |
| 6 | Clay County | $396 | $88,100 | 0.521% |
| 7 | St. Francis County | $396 | $87,700 | 0.540% |
| 8 | Jackson County | $397 | $87,300 | 0.564% |
| 9 | Lawrence County | $399 | $91,100 | 0.488% |
| 10 | Prairie County | $401 | $87,500 | 0.616% |
| 11 | Desha County | $402 | $89,100 | 0.580% |
| 12 | Chicot County | $402 | $90,500 | 0.546% |
| 13 | Ashley County | $404 | $88,800 | 0.610% |
| 14 | Dallas County | $412 | $98,200 | 0.467% |
| 15 | Calhoun County | $412 | $97,300 | 0.498% |
| 16 | Sharp County | $413 | $94,600 | 0.579% |
| 17 | Bradley County | $417 | $97,000 | 0.561% |
| 18 | Ouachita County | $417 | $99,600 | 0.502% |
| 19 | Woodruff County | $418 | $96,800 | 0.576% |
| 20 | Hempstead County | $418 | $100,200 | 0.502% |
| 21 | Poinsett County | $421 | $101,200 | 0.513% |
| 22 | Fulton County | $429 | $107,200 | 0.461% |
| 23 | Cross County | $430 | $104,000 | 0.552% |
| 24 | Scott County | $431 | $110,900 | 0.411% |
| 25 | Searcy County | $432 | $108,100 | 0.478% |
| 26 | Lincoln County | $433 | $106,100 | 0.539% |
| 27 | Sevier County | $439 | $111,700 | 0.480% |
| 28 | Jefferson County | $441 | $106,000 | 0.629% |
| 29 | Little River County | $443 | $113,400 | 0.484% |
| 30 | Randolph County | $448 | $118,100 | 0.439% |
| 31 | Pike County | $454 | $115,400 | 0.559% |
| 32 | Union County | $454 | $114,700 | 0.576% |
| 33 | Mississippi County | $455 | $115,800 | 0.558% |
| 34 | Franklin County | $456 | $118,800 | 0.503% |
| 35 | Polk County | $457 | $122,600 | 0.441% |
| 36 | Van Buren County | $458 | $122,300 | 0.460% |
| 37 | Independence County | $463 | $120,500 | 0.545% |
| 38 | Drew County | $468 | $127,800 | 0.448% |
| 39 | Izard County | $471 | $122,100 | 0.585% |
| 40 | Cleveland County | $473 | $123,400 | 0.580% |
| 41 | Johnson County | $474 | $124,800 | 0.566% |
| 42 | Hot Spring County | $474 | $127,900 | 0.508% |
| 43 | Logan County | $475 | $126,900 | 0.528% |
| 44 | Montgomery County | $477 | $136,000 | 0.384% |
| 45 | Perry County | $479 | $129,300 | 0.520% |
| 46 | Yell County | $482 | $131,300 | 0.517% |
| 47 | Arkansas County | $483 | $129,400 | 0.558% |
| 48 | Howard County | $491 | $135,400 | 0.523% |
| 49 | Conway County | $494 | $137,000 | 0.524% |
| 50 | Stone County | $498 | $149,400 | 0.353% |
| 51 | Columbia County | $499 | $141,700 | 0.482% |
| 52 | Clark County | $520 | $147,100 | 0.570% |
| 53 | Madison County | $526 | $157,800 | 0.445% |
| 54 | Miller County | $529 | $148,200 | 0.618% |
| 55 | Grant County | $532 | $154,500 | 0.544% |
| 56 | White County | $534 | $159,600 | 0.477% |
| 57 | Marion County | $536 | $158,400 | 0.513% |
| 58 | Greene County | $540 | $162,200 | 0.488% |
| 59 | Crittenden County | $541 | $155,100 | 0.602% |
| 60 | Baxter County | $543 | $165,400 | 0.463% |
| 61 | Pope County | $550 | $161,700 | 0.568% |
| 62 | Boone County | $561 | $169,300 | 0.534% |
| 63 | Newton County | $561 | $178,800 | 0.408% |
| 64 | Cleburne County | $562 | $174,600 | 0.466% |
| 65 | Crawford County | $562 | $170,000 | 0.532% |
| 66 | Sebastian County | $571 | $166,000 | 0.651% |
| 67 | Garland County | $573 | $176,400 | 0.519% |
| 68 | Carroll County | $594 | $186,300 | 0.526% |
| 69 | Lonoke County | $607 | $184,100 | 0.640% |
| 70 | Craighead County | $623 | $198,700 | 0.546% |
| 71 | Faulkner County | $652 | $211,300 | 0.568% |
| 72 | Pulaski County | $664 | $199,600 | 0.783% |
| 73 | Saline County | $664 | $211,700 | 0.631% |
| 74 | Washington County | $761 | $266,000 | 0.551% |
| 75 | Benton County | $813 | $285,100 | 0.607% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home Outright across all 3,133 US counties · Every county in Arkansas