The typical owner-occupied home in St. Francis County is worth about $90,900, 52% below the Arkansas median of $188,000 and 73% below the national median of $332,700. Owners pay a median $425 a year in property taxes, about 0.47% of their home's value, lower than the Arkansas rate of 0.55%. The median household earns $42,574 a year, so the median home costs 2.1 times the median income (3.1 times for Arkansas). 55% of occupied homes here are lived in by their owners, and 48% of those owners still have a mortgage.
St. Francis County at a glance
| St. Francis County | Arkansas | U.S. | |
|---|---|---|---|
| Median home value | $90,900 | $188,000 | $332,700 |
| Median property tax paid per year | $425 | $1,040 | $3,119 |
| Property tax as a share of value | 0.47% | 0.55% | 0.94% |
| Median household income | $42,574 | $60,773 | $80,734 |
| Homes lived in by their owners | 55% | 66% | 65% |
| Owner homes with a mortgage | 48% | 53% | 61% |
| Median monthly costs, owners with a mortgage | $1,009 | $1,345 | $1,963 |
| Those costs as a share of the owners' income | 20.2% | 18.5% | 21.0% |
| Median rent | $779 | $947 | $1,413 |
| Rent as a share of renters' income | 32.2% | 27.6% | 30.6% |
| Median year homes were built | 1980 | 1987 | 1980 |
| Vacant homes | 18.7% | 13.5% | 10.1% |
| Population | 22,400 | 3,049,391 | 334,922,499 |
What a typical home costs per month in St. Francis County
At this week's average 30-year rate of 7.11%, buying the median St. Francis County home of $90,900 with 20% down costs about $563 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $714, 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 $24,114 for the 20%-down payment. That payment is 16% of the median St. Francis County household income of $42,574; at that income and 20% down, the 28% guideline points to a home of about $160,000.
The median rent here is $779 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $18,180 |
|---|---|
| Loan amount | $72,720 |
| Principal and interest | $489 |
| Property taxes (0.47% a year) | $36 |
| Homeowners insurance (our estimate, 0.5% a year) | $38 |
| PMI | $0 |
| Total per month | $563 |
Change the numbers in the calculator
| Down payment | $3,182 |
|---|---|
| Loan amount | $89,254 |
| Principal and interest | $600 |
| Property taxes (0.47% a year) | $36 |
| Homeowners insurance (our estimate, 0.5% a year) | $38 |
| FHA mortgage insurance | $40 |
| Total per month | $714 |
Change the numbers in the calculator
Questions about home buying in St. Francis County
What is the median home value in St. Francis County?
About $90,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in St. Francis County?
Homeowners pay a median $425 a year, which is about 0.47% 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 St. Francis County?
For the median home with 20% down at 7.11%, the payment is about $563 a month. Keeping that under 28% of gross income takes about $24,114 a year.
More about St. Francis County
- Mortgage Refinance in St. Francis County
- Debt Relief in St. Francis County
- Home Equity Loans in St. Francis County
- 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