How much house can I afford on $50,000 in Arkansas?
About $185,000 with 20% down ($146,000 with an FHA loan), using Arkansas's 0.5% property tax rate.
That is $38,923 less than the typical Arkansas home ($224,158), so on $50,000 you'd look at cheaper areas or a smaller home. The payment of $1,167 covers $997 principal and interest, $77 property tax and $93 insurance.
Counties in Arkansas you can afford on $50,000
49 of 74 counties have a typical home value at or below $185,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Johnson County | $182,721 | +4.1% | 0.52% |
| Perry County | $180,820 | +3.0% | 0.49% |
| Searcy County | $180,358 | +5.7% | 0.43% |
| Sevier County | $180,317 | +8.9% | 0.44% |
| Pike County | $178,817 | -2.5% | 0.59% |
| Franklin County | $175,565 | +4.8% | 0.49% |
| Independence County | $175,323 | +5.3% | 0.53% |
| Izard County | $172,035 | +3.0% | 0.57% |
| Conway County | $171,762 | +9.1% | 0.56% |
| Van Buren County | $167,718 | +1.9% | 0.43% |
| Logan County | $167,434 | +2.9% | 0.51% |
| Crittenden County | $166,826 | +5.6% | 0.62% |
| Howard County | $164,160 | +2.1% | 0.42% |
| Miller County | $163,828 | -0.2% | 0.61% |
| Yell County | $162,084 | +2.0% | 0.45% |
| Clark County | $161,308 | +3.6% | 0.56% |
| Scott County | $160,089 | +8.8% | 0.43% |
| Cleveland County | $159,668 | +0.2% | 0.48% |
| Hot Spring County | $159,254 | -3.1% | 0.48% |
| Little River County | $157,995 | +12.0% | 0.5% |
| Drew County | $154,673 | +0.0% | 0.47% |
| Prairie County | $154,008 | +6.8% | 0.72% |
| Cross County | $148,304 | +7.3% | 0.51% |
| Sharp County | $145,803 | -0.2% | 0.56% |
| Randolph County | $141,633 | +1.0% | 0.4% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 0.5% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Arkansas
Frequently asked questions
How much house can I afford on $50,000 in Arkansas?
About $185,000 with 20% down at 7.11%, keeping the payment (with Arkansas's 0.5% property tax and insurance) under $1,167 a month.
Is $50,000 enough to buy a house in Arkansas?
Not the typical home: the typical Arkansas home is worth $224,158 (Zillow, September 2026) and $50,000 supports about $185,000. 49 of 74 counties are within budget.