📍 Zip Code 72201 · Little Rock, AR · Pulaski County

Mortgage Costs in 72201
Little Rock, AR

Real 2026 data · Property tax 0.6% · 7.1% mortgage rate
$195,000
Median Home Price
$1,227
All-In Monthly (20% down)
$52,591
Salary Needed
Stretch
Affordability on Avg Income

Full Cost Breakdown — 72201 (Little Rock, AR)

Cost Item
20% Down ($39,000)
10% Down ($19,500)
Principal & Interest
$1,048/mo
$1,179/mo
Property Tax (0.6%)
$98/mo
$98/mo
Home Insurance (~0.5%)
$81/mo
$81/mo
PMI (if <20% down)
$88/mo
Total All-In
$1,227/mo
$1,446/mo

What Salary Do You Need to Buy in 72201?

Using the standard 28% gross income housing rule, you need approximately $52,591/year to comfortably afford the median home in Little Rock, AR with 20% down at today's 7.1% rate.

The average household income in Pulaski County is approximately $52,000/year — which means buying the median home here is stretch for the average family.

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Property Tax in 72201 (Pulaski County)

Pulaski County has a property tax rate of approximately 0.6% — below the national average of 1.1%. On a $195,000 home, this equals $98/month or $1,170/year in property taxes.

Property taxes can often be appealed if your assessment seems high. Ownwell specializes in property tax appeals — they only charge if they save you money.

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Potential savings: $176/year. No win = no fee.
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Will a Bank Approve You in Little Rock?

Approval depends on your specific profile — credit score, income, existing debts, and down payment. The Bank Rejection Engine shows exactly how 5 different lender types would score your application for a home in 72201.

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