The typical owner-occupied home in Pearcy is worth about $53,400, 72% below the Arkansas median of $188,000 and 84% below the national median of $332,700. Owners pay a median $199 a year in property taxes, about 0.37% of their home's value, lower than the Arkansas rate of 0.55%. The median household earns $30,278 a year, so the median home costs 1.8 times the median income (3.1 times for Arkansas). 88% of occupied homes here are lived in by their owners, and 38% of those owners still have a mortgage.
Pearcy at a glance
| Pearcy | Arkansas | U.S. | |
|---|---|---|---|
| Median home value | $53,400 | $188,000 | $332,700 |
| Median property tax paid per year | $199 | $1,040 | $3,119 |
| Property tax as a share of value | 0.37% | 0.55% | 0.94% |
| Median household income | $30,278 | $60,773 | $80,734 |
| Homes lived in by their owners | 88% | 66% | 65% |
| Owner homes with a mortgage | 38% | 53% | 61% |
| Median monthly costs, owners with a mortgage | $1,040 | $1,345 | $1,963 |
| Those costs as a share of the owners' income | 18.1% | 18.5% | 21.0% |
| Median rent | – | $947 | $1,413 |
| Median year homes were built | 1991 | 1987 | 1980 |
| Vacant homes | 0.0% | 13.5% | 10.1% |
| Population | 363 | 3,049,391 | 334,922,499 |
What a typical home costs per month in Pearcy
At this week's average 30-year rate of 7.11%, buying the median Pearcy home of $53,400 with 20% down costs about $326 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $415, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $13,976 for the 20%-down payment. That payment is 13% of the median Pearcy household income of $30,278; at that income and 20% down, the 28% guideline points to a home of about $116,000.
| Down payment | $10,680 |
|---|---|
| Loan amount | $42,720 |
| Principal and interest | $287 |
| Property taxes (0.37% a year) | $16 |
| Homeowners insurance (our estimate, 0.5% a year) | $22 |
| PMI | $0 |
| Total per month | $326 |
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| Down payment | $1,869 |
|---|---|
| Loan amount | $52,433 |
| Principal and interest | $353 |
| Property taxes (0.37% a year) | $16 |
| Homeowners insurance (our estimate, 0.5% a year) | $22 |
| FHA mortgage insurance | $24 |
| Total per month | $415 |
Change the numbers in the calculator
Questions about home buying in Pearcy
What is the median home value in Pearcy?
About $53,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Pearcy?
Homeowners pay a median $199 a year, which is about 0.37% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Pearcy?
For the median home with 20% down at 7.11%, the payment is about $326 a month. Keeping that under 28% of gross income takes about $13,976 a year.
More about Pearcy
- Mortgage Refinance in Pearcy
- Debt Relief in Pearcy
- Home Equity Loans in Pearcy
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data