Local costs · Arkansas
What a home costs across Arkansas
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Arkansas, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $1,740 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- Arkansas real property transfer tax: 0.33% of price — seller customarily paysOn the $215,600 state median home, the buyer’s customary share is about $0; the seller customarily covers about $711.
- Title insurance
- Arkansas uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- Arkansas income tax is modeled at about 3.56% effective for a married household at $100,000 (3.69% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.
All 75 counties in Arkansas
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Arkansas County | 0.54% | $1,360–$3,030typical $2,090 |
| Ashley County | 0.60% | $1,310–$2,930typical $2,020 |
| Baxter County | 0.46% | $1,070–$2,380typical $1,640 |
| Benton County | 0.56% | $850–$1,900typical $1,310 |
| Boone County | 0.49% | $1,110–$2,470typical $1,700 |
| Bradley County | 0.57% | $1,180–$2,640typical $1,820 |
| Calhoun County | 0.46% | $1,290–$2,870typical $1,980 |
| Carroll County | 0.51% | $1,050–$2,330typical $1,610 |
| Chicot County | 0.49% | $1,470–$3,280typical $2,260 |
| Clark County | 0.56% | $1,380–$3,070typical $2,120 |
| Clay County | 0.50% | $1,330–$2,970typical $2,050 |
| Cleburne County | 0.45% | $1,350–$3,020typical $2,080 |
| Cleveland County | 0.48% | $1,220–$2,730typical $1,880 |
| Columbia County | 0.47% | $1,260–$2,810typical $1,940 |
| Conway County | 0.56% | $1,450–$3,230typical $2,230 |
| Craighead County | 0.53% | $1,010–$2,260typical $1,560 |
| Crawford County | 0.54% | $1,220–$2,710typical $1,870 |
| Crittenden County | 0.62% | $850–$1,900typical $1,310 |
| Cross County | 0.51% | $1,290–$2,890typical $1,990 |
| Dallas County | 0.56% | $1,120–$2,510typical $1,730 |
| Desha County | 0.54% | $1,270–$2,840typical $1,960 |
| Drew County | 0.47% | $1,200–$2,670typical $1,840 |
| Faulkner County | 0.54% | $1,070–$2,380typical $1,640 |
| Franklin County | 0.49% | $1,090–$2,420typical $1,670 |
| Fulton County | 0.47% | $1,280–$2,860typical $1,970 |
| Garland County | 0.48% | $1,330–$2,960typical $2,040 |
| Grant County | 0.54% | $1,360–$3,030typical $2,090 |
| Greene County | 0.48% | $1,220–$2,710typical $1,870 |
| Hempstead County | 0.57% | $1,440–$3,220typical $2,220 |
| Hot Spring County | 0.48% | $1,200–$2,680typical $1,850 |
| Howard County | 0.41% | $1,320–$2,940typical $2,030 |
| Independence County | 0.53% | $1,350–$3,000typical $2,070 |
| Izard County | 0.57% | $1,220–$2,730typical $1,880 |
| Jackson County | 0.57% | $1,380–$3,070typical $2,120 |
| Jefferson County | 0.66% | $1,110–$2,480typical $1,710 |
| Johnson County | 0.52% | $940–$2,100typical $1,450 |
| Lafayette County | 0.61% | $1,650–$3,680typical $2,540 |
| Lawrence County | 0.47% | $1,280–$2,860typical $1,970 |
| Lee County | 0.46% | $920–$2,060typical $1,420 |
| Lincoln County | 0.52% | $1,190–$2,650typical $1,830 |
| Little River County | 0.50% | $1,400–$3,120typical $2,150 |
| Logan County | 0.51% | $1,140–$2,540typical $1,750 |
| Lonoke County | 0.63% | $1,240–$2,770typical $1,910 |
| Madison County | 0.41% | $1,220–$2,710typical $1,870 |
| Marion County | 0.47% | $1,130–$2,520typical $1,740 |
| Miller County | 0.61% | $1,880–$4,190typical $2,890 |
| Mississippi County | 0.52% | $850–$1,900typical $1,310 |
| Monroe County | 0.51% | $1,350–$3,020typical $2,080 |
| Montgomery County | 0.32% | $1,180–$2,640typical $1,820 |
| Nevada County | 0.52% | $1,400–$3,120typical $2,150 |
| Newton County | 0.38% | $1,270–$2,830typical $1,950 |
| Ouachita County | 0.51% | $1,420–$3,160typical $2,180 |
| Perry County | 0.49% | $1,480–$3,290typical $2,270 |
| Phillips County | 0.81% | $1,100–$2,450typical $1,690 |
| Pike County | 0.59% | $1,450–$3,230typical $2,230 |
| Poinsett County | 0.53% | $1,260–$2,810typical $1,940 |
| Polk County | 0.41% | $1,330–$2,960typical $2,040 |
| Pope County | 0.56% | $1,240–$2,760typical $1,900 |
| Prairie County | 0.72% | $1,340–$2,990typical $2,060 |
| Pulaski County | 0.77% | $1,120–$2,490typical $1,720 |
| Randolph County | 0.40% | $1,180–$2,640typical $1,820 |
| Saline County | 0.62% | $1,250–$2,780typical $1,920 |
| Scott County | 0.43% | $1,160–$2,580typical $1,780 |
| Searcy County | 0.43% | $1,370–$3,050typical $2,100 |
| Sebastian County | 0.63% | $980–$2,190typical $1,510 |
| Sevier County | 0.44% | $1,320–$2,940typical $2,030 |
| Sharp County | 0.56% | $1,170–$2,610typical $1,800 |
| St. Francis County | 0.47% | $1,400–$3,130typical $2,160 |
| Stone County | 0.32% | $1,330–$2,970typical $2,050 |
| Union County | 0.57% | $860–$1,910typical $1,320 |
| Van Buren County | 0.43% | $1,470–$3,280typical $2,260 |
| Washington County | 0.52% | $930–$2,070typical $1,430 |
| White County | 0.46% | $990–$2,200typical $1,520 |
| Woodruff County | 0.56% | $1,360–$3,030typical $2,090 |
| Yell County | 0.45% | $1,370–$3,050typical $2,100 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.