The typical owner-occupied home in Kirby is worth about $163,700, 13% below the Arkansas median of $188,000 and 51% below the national median of $332,700. Owners pay a median $933 a year in property taxes, about 0.57% of their home's value, close to the Arkansas rate of 0.55%. The median household earns $66,607 a year, so the median home costs 2.5 times the median income (3.1 times for Arkansas). 91% of occupied homes here are lived in by their owners, and 36% of those owners still have a mortgage.
Kirby at a glance
| Kirby | Arkansas | U.S. | |
|---|---|---|---|
| Median home value | $163,700 | $188,000 | $332,700 |
| Median property tax paid per year | $933 | $1,040 | $3,119 |
| Property tax as a share of value | 0.57% | 0.55% | 0.94% |
| Median household income | $66,607 | $60,773 | $80,734 |
| Homes lived in by their owners | 91% | 66% | 65% |
| Owner homes with a mortgage | 36% | 53% | 61% |
| Median monthly costs, owners with a mortgage | $1,125 | $1,345 | $1,963 |
| Those costs as a share of the owners' income | 13.8% | 18.5% | 21.0% |
| Median rent | – | $947 | $1,413 |
| Median year homes were built | 1990 | 1987 | 1980 |
| Vacant homes | 24.8% | 13.5% | 10.1% |
| Population | 579 | 3,049,391 | 334,922,499 |
What a typical home costs per month in Kirby
At this week's average 30-year rate of 7.11%, buying the median Kirby home of $163,700 with 20% down costs about $1,027 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,300, 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 $44,012 for the 20%-down payment. That payment is 19% of the median Kirby household income of $66,607; at that income and 20% down, the 28% guideline points to a home of about $248,000.
| Down payment | $32,740 |
|---|---|
| Loan amount | $130,960 |
| Principal and interest | $881 |
| Property taxes (0.57% a year) | $78 |
| Homeowners insurance (our estimate, 0.5% a year) | $68 |
| PMI | $0 |
| Total per month | $1,027 |
Change the numbers in the calculator
| Down payment | $5,730 |
|---|---|
| Loan amount | $160,735 |
| Principal and interest | $1,081 |
| Property taxes (0.57% a year) | $78 |
| Homeowners insurance (our estimate, 0.5% a year) | $68 |
| FHA mortgage insurance | $72 |
| Total per month | $1,300 |
Change the numbers in the calculator
Questions about home buying in Kirby
What is the median home value in Kirby?
About $163,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Kirby?
Homeowners pay a median $933 a year, which is about 0.57% 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 Kirby?
For the median home with 20% down at 7.11%, the payment is about $1,027 a month. Keeping that under 28% of gross income takes about $44,012 a year.
More about Kirby
- Mortgage Refinance in Kirby
- Debt Relief in Kirby
- Home Equity Loans in Kirby
- 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