Income needed to buy a home
Jefferson County, AR
$28,039
a year in household income to buy the typical Jefferson County home with 10% down.
The monthly math
Typical home value$85,684
Down payment (10%)$8,568
Loan$77,116
Principal and interest (7.40%)$534/mo
Property tax (0.64% a year)$45/mo
Homeowners insurance (estimate)$43/mo
Mortgage insurance$32/mo
Total monthly cost$654/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Comfortable
The typical household here earns $51,096 a year, 82% more than it takes.
In Arkansas
Jefferson County ranks #3 of 74 for the income a home takes, from least to most.
Easiest to afford in Arkansas
| County | Typical home | Income needed |
|---|---|---|
| Phillips County | $50,311 | $16,696 |
| Woodruff County | $86,149 | $27,708 |
| St. Francis County | $88,525 | $28,482 |
| Ashley County | $89,495 | $28,935 |
| Monroe County | $94,389 | $29,209 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.