The calculator below is pre-filled with Pulaski County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just Arkansas's statewide figures.

Pulaski County at a glance

Effective property tax rate: 0.74% of home value / year
Median home price: $244,950
Homeowners insurance (avg/year): $3,217
Conforming loan limit (1-unit, 2026): $832,750

County data last updated 2026-08-20. FIPS 05119. Full source list on /methodology.

Pulaski County, AR mortgage payment calculator

All-in cost first, always — pre-filled with Pulaski County tax and insurance figures. Estimate only, not a loan quote or pre-approval.

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Closing Costs in Arkansas: What You'll Actually Pay

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What Is PMI, and How Do You Get Rid of It?

Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.

Guides & templates

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A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.

Arkansas at a glance

Median home price: $284,111
Typical closing costs: 2%–4% of price
Transfer tax: 0.33% of sale price, customarily paid by seller
Closing custom: escrow
Homestead exemption: Arkansas provides a homestead property tax credit (Amendment 79 to the Arkansas Constitution) that directly reduces the ad-valorem property tax bill on an owner-occupied primary residence, rather than exempting a dollar amount of assessed value. The credit was $375/year for many years, then raised to $425 (2023 tax bills), then $500 (2024-2025 tax bills); Arkansas's General Assembly authorized a further increase to $600 beginning with 2026 tax bills, though some county assessor pages still show the $500/$425 figures pending full rollout. Amendment 79 also caps the annual increase in a homestead's taxable assessed value at 5%/year (10%/year for non-homestead property) following a county-wide reappraisal, until the property reaches full assessed value. Applied for through the county assessor's office; not automatic.

First-time buyer / down payment assistance programs

ADFA StartSmart First-Time Homebuyer Program
Arkansas Development Finance Authority's primary 30-year fixed-rate first mortgage, funded through tax-exempt mortgage revenue bonds, offering a below-market interest rate for first-time homebuyers (and repeat buyers in targeted areas) statewide; can be paired with ADFA Down Payment Assistance.
ADFA Down Payment Assistance (DPA) Program
Second-lien down payment and closing cost assistance of up to $15,000, available only when paired with an ADFA StartSmart or ADFA Move-Up first mortgage.