The typical owner-occupied home in Bluff City is worth about $93,800, 50% below the Arkansas median of $188,000 and 72% below the national median of $332,700. Owners pay a median $250 a year in property taxes, about 0.27% of their home's value, lower than the Arkansas rate of 0.55%. The median household earns $59,688 a year, so the median home costs 1.6 times the median income (3.1 times for Arkansas). 82% of occupied homes here are lived in by their owners, and 40% of those owners still have a mortgage.
Bluff City at a glance
| Bluff City | Arkansas | U.S. | |
|---|---|---|---|
| Median home value | $93,800 | $188,000 | $332,700 |
| Median property tax paid per year | $250 | $1,040 | $3,119 |
| Property tax as a share of value | 0.27% | 0.55% | 0.94% |
| Median household income | $59,688 | $60,773 | $80,734 |
| Homes lived in by their owners | 82% | 66% | 65% |
| Owner homes with a mortgage | 40% | 53% | 61% |
| Median monthly costs, owners with a mortgage | $1,344 | $1,345 | $1,963 |
| Those costs as a share of the owners' income | 29.2% | 18.5% | 21.0% |
| Median rent | – | $947 | $1,413 |
| Median year homes were built | 1993 | 1987 | 1980 |
| Vacant homes | 27.1% | 13.5% | 10.1% |
| Population | 222 | 3,049,391 | 334,922,499 |
What a typical home costs per month in Bluff City
At this week's average 30-year rate of 7.11%, buying the median Bluff City home of $93,800 with 20% down costs about $565 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $721, 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 $24,214 for the 20%-down payment. That payment is 11% of the median Bluff City household income of $59,688; at that income and 20% down, the 28% guideline points to a home of about $231,000.
| Down payment | $18,760 |
|---|---|
| Loan amount | $75,040 |
| Principal and interest | $505 |
| Property taxes (0.27% a year) | $21 |
| Homeowners insurance (our estimate, 0.5% a year) | $39 |
| PMI | $0 |
| Total per month | $565 |
Change the numbers in the calculator
| Down payment | $3,283 |
|---|---|
| Loan amount | $92,101 |
| Principal and interest | $620 |
| Property taxes (0.27% a year) | $21 |
| Homeowners insurance (our estimate, 0.5% a year) | $39 |
| FHA mortgage insurance | $41 |
| Total per month | $721 |
Change the numbers in the calculator
Questions about home buying in Bluff City
What is the median home value in Bluff City?
About $93,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Bluff City?
Homeowners pay a median $250 a year, which is about 0.27% 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 Bluff City?
For the median home with 20% down at 7.11%, the payment is about $565 a month. Keeping that under 28% of gross income takes about $24,214 a year.
More about Bluff City
- Mortgage Refinance in Bluff City
- Debt Relief in Bluff City
- Home Equity Loans in Bluff City
- 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