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Mortgage Calculator &
Closing Costs: Jonesboro, AR

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Jonesboro, Arkansas.

Median Home Price
$185K
Population
79K
Avg Monthly Rent
$920
Property Tax Rate
0.62%
Jonesboro vs Arkansas Median
The median home price in Jonesboro is $185,000, which is 5% below the Arkansas state median of $195,000.

Mortgage Calculator — Jonesboro, AR

Pre-filled with Jonesboro median home price and Arkansas tax/insurance rates. Adjust for your property.

$
$37,000
%
%
years
AR avg
%
$
Monthly Payment (PITI)
$1,239
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$935
per month
Taxes & Insurance
$304
per month
Total Interest Paid
$189K
over 30 years
Total Loan Cost
$337K
all payments
Payment Breakdown
Loan Amount$148,000
Principal & Interest$935
Property Taxes$96
Homeowners Insurance$208
Total Monthly PITI$1,239

Closing Costs — Jonesboro, AR

Estimated closing costs based on Arkansas rates and fees applied to Jonesboro prices.

$
%
Arkansas: Avg closing costs 1.5% of price. Transfer tax: 0.33%.
Estimated Closing Costs
$8,677
4.7% of purchase price
Lender Fees
$1,757
origination, underwriting
Third-Party
$2,375
appraisal, title, inspection
Government Fees
$611
transfer taxes, recording
Prepaids + Escrow
$3,935
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,332
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,225
Recording Fee$150
Transfer Tax$611
Prepaid Taxes (3 mo)$287
Prepaid Insurance (12 mo)$2,500
Prepaid Interest (15 days)$445
Escrow Reserves$703
Total Closing Costs$8,677

Buying a Home in Jonesboro, Arkansas

The median home price in Jonesboro is $185,000, 5% below the Arkansas state median of $195,000. With a population of 78,576, Jonesboro is a smaller market where home prices tend to be more accessible than in many parts of Arkansas.

Property taxes in Arkansas average 0.62% annually. This low property tax rate is a significant advantage for Jonesboro buyers, keeping your monthly costs well below what you'd pay in higher-tax states. Homeowners insurance in Arkansas runs approximately $2,500 per year. This is within the normal range nationally.

Average rent in Jonesboro is $920/month. The price-to-rent ratio in Jonesboro is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Jonesboro offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with Arkansas's ADFA Down Payment Assistance program.

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