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City · 39,743 residents · Jefferson County, Arkansas

Pine Bluff , Arkansas

In Pine Bluff, a typical home is worth $89,400 and typical rent is $855 a month. Compared with all of Jefferson County, the typical home value is 21% lower, typical household income is 16% lower, and the share of households that own their home is 10 points lower.

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  • Typical home value

    $89,400

    21% below the county

    52% below Arkansas

    • Pine Bluff
    • Jefferson
    • Arkansas

  • Typical rent

    $855a month

    4% below the county

    10% below Arkansas

    • Pine Bluff
    • Jefferson
    • Arkansas

  • Typical household income

    $42,718a year

    16% below the county

    30% below Arkansas

    • Pine Bluff
    • Jefferson
    • Arkansas

  • Households that own their home

    52%

    10 points below the county

    15 points below Arkansas

    • Pine Bluff
    • Jefferson
    • Arkansas

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$68,380
4.2% less than 12 months ago
Typical rent
$1,070 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Pine Bluff is in Jefferson County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Jefferson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Pine Bluff apart

What this place has that others do not, from public data, most unusual first.

  1. Pine Bluff has the 3rd lowest typical home value of the 71 cities in Arkansas with more than 5,000 people ($89,400).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Pine Bluff fell 4.2%; in Arkansas, it rose 3.4%.

  3. The typical household income in Pine Bluff is $42,718, 16% less than in Jefferson County as a whole ($51,096).

  4. 52% of households in Pine Bluff own their home, against 62% in Jefferson County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Pine Bluff

What homes there are in Pine Bluff, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

As in Jefferson County, most homes in Pine Bluff are detached houses (73%).

Year built

Homes in Pine Bluff are older: the typical year built is 1972; in Jefferson County, 1978.

In Pine Bluff, 12% of homes have 1 bedroom or none (studios); 59% have 3 bedrooms or more, against 66% in Jefferson County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA limit for Jefferson County is high ($541,287): at least 99% of owner-occupied homes in Pine Bluff are worth less than $500,000.

Monthly rent with utilities

Measured against HUD's 2-bedroom fair market rent ($955), about 64% of rented homes in Pine Bluff cost less.

With a mortgage

$1,149 a month

Jefferson County: $1,195 a month

Without a mortgage

$427 a month

Jefferson County: $420 a month

Owners with a mortgage

46%

Jefferson County: 46%

The typical cost for an owner with a mortgage in Pine Bluff is $1,149 a month, near the figure in Jefferson County ($1,195).

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Homes in Pine Bluff gained value more slowly than in Jefferson County: 18% since 2015–2019, against 36%.

Much as in Jefferson County, the typical rent in Pine Bluff rose 18% since 2015–2019.

Income in Pine Bluff grew faster than housing: it rose 23%, while home values changed +18% and rent +18%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasurePine BluffJefferson CountyArkansasUnited States
Rental vacancy 9.7%8.4%6.4%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room 3.3%2.4%2.7%3.4%
People per household 2.532.462.462.53
Drive alone 85%85%79%69%
Carpool 8%8%9%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 4%5%9%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes10 to 19 minutes10 to 19 minutes20 to 29 minutes

There is more rental housing open in Pine Bluff: 9.7% is empty and offered for rent, against 8.4% in Jefferson County.

In Pine Bluff, 3.3% of households live with more than one person per room, about the same as in Jefferson County.

Much as in Jefferson County, a household in Pine Bluff has 2.53 people on average.

To get to work, 85% of workers in Pine Bluff drive alone; in Jefferson County, 85%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Pine Bluff?

A typical home is within reach of the typical income

We start with a typical home in Pine Bluff, worth $89,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 20% of the typical household income in Pine Bluff, which is $42,718 a year.

The calculator's FHA and conventional loan limits are those of all of Jefferson County.

Your numbers

Local data
$

Starts at the typical home value in Pine Bluff. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $3,129 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$721

at 7.18% · 30 years

Loan amount
$87,781
Total interest
$126,296
Paid off in
November 2056

Includes $1,510 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $997 a month

    Your payment · 20%

  • Tight

    $997 to $1,282 a month

  • Hard

    more than $1,282 a month

Compared with the typical household income in Pine Bluff ($42,718 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$721
Principal & interest$595
Property tax$50
Home insurance$37
FHA mortgage insurance (MIP)$40

You need at least $3,129 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Pine Bluff and Jefferson County

Pine Bluff is in Jefferson County, Arkansas. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Pine Bluff's own numbers

Typical home value
$89,400
Typical monthly rent
$855
Typical yearly household income
$42,718
Households that own their home
52%
Effective property tax rate
0.67%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Jefferson County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$955
Price change over 5 years (FHFA)
+37%
Homes in a high flood-risk zone
7%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Jefferson County.

Everything about Jefferson County

Buying

Buying a home in Pine Bluff

A typical home in Pine Bluff is worth $89,400: 21% below the county and 52% below Arkansas. With the typical household income in Pine Bluff ($42,718 a year), a typical home costs 2.1 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Pine Bluff 2.1 years
  • Jefferson 2.2 years
  • Arkansas 3.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Jefferson County

According to FHFA’s house price index, home prices in Jefferson County rose 55% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Jefferson County.

Period County Arkansas U.S.
Last year (2025) +2.3% +3.4% +2.9%
5 years (2020–2025) +37% +52% +47%
10 years (2015–2025) +55% +79% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Pine Bluff next to Jefferson County, Arkansas and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Pine Bluff $89,400
  • Jefferson $113,400
  • Arkansas $188,000
  • United States $332,700
Typical monthly rent
  • Pine Bluff $855
  • Jefferson $888
  • Arkansas $947
  • United States $1,413
Typical yearly household income
  • Pine Bluff $42,718
  • Jefferson $51,096
  • Arkansas $60,773
  • United States $80,734
See the full table
Pine Bluff next to Jefferson County and Arkansas
Measure Pine Bluff Jefferson County Arkansas U.S.
Typical home value $89,400 $113,400 $188,000 $332,700
Typical monthly rent $855 $888 $947 $1,413
Typical yearly household income $42,718 $51,096 $60,773 $80,734
Households that own their home 52% 62% 66% 65%
Typical yearly property tax $599 $745 $1,040 $3,119
Effective property tax rate 0.67% 0.66% 0.55% 0.94%
Renters with high rent for their income 47% 46% 45% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Jefferson County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Pine Bluff

For a typical $89,400 home in Pine Bluff, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pine Bluff's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $721a month

    Least cash to close
    Down payment
    $3,129
    Cash to close
    $5,811
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $40

  • Conventional, 5% down $705a month

    Down payment
    $4,470
    Cash to close
    $7,152
    Rate
    7.18%
    Mortgage insurance
    PMI · $42

  • Conventional, 20% down, no PMI $572a month

    Down payment
    $17,880
    Cash to close
    $20,562
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $654a month

    Down payment
    $13,410
    Cash to close
    $16,092
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Pine Bluff and for Jefferson County.

Property tax

Effective rate in Pine Bluff

0.67%of the home’s value each year

$599 a year for the typical owner in Pine Bluff.

  • Pine Bluff 0.67%
  • Jefferson 0.66%
  • Arkansas 0.55%

What Arkansas publishes Homestead property tax credit (Arkansas General Assembly (Act 174 of the 2026 Fiscal Session))

Exemptions and deadlines in Arkansas

Flood risk in Jefferson County

FEMA does not publish these numbers by city: they are for all of Jefferson County.

Homes in the high-risk zone
7%
2,024
Of those, with NFIP insurance
12%
County Arkansas U.S.
Homes in the high-risk zone 7% 3.4% 3.5%
Of those, with NFIP insurance 12% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Pine Bluff

Typical rent in Pine Bluff is $855 a month: 4% below the county. In Pine Bluff, 47% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Jefferson County, by unit size. To pay the 2-bedroom one ($955 a month) without spending more than 30% of your income, you would need to earn $18.37 an hour working full time.

HUD fair market rent for all of Jefferson County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $782 $15.04 $31,280
1 bedroom $787 $15.13 $31,480
2 bedrooms $955 $18.37 $38,200
3 bedrooms $1,239 $23.83 $49,560
4 bedrooms $1,266 $24.35 $50,640

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Pine Bluff

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pine Bluff has 3 ZIP codes with their own.

For 2 bedrooms it runs from $930 in 71601 to $970 in 71603.

2 of the 3 are above the fair market rent for Jefferson County ($955).

  • 71601 $930$1,210
  • 71602 $970$1,260
  • 71603 $970$1,260

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Pine Bluff when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Pine Bluff

HUD lists 17 buildings with rents for lower incomes in Pine Bluff. These are the largest.

  • Pine Bluff Rad Conversion Various Addresses, Pine Bluff 71601 253 homes, 252 low-income · Studio: 7 · 1 bd: 49 · 2 bd: 87 · 3 bd: 76 · 4 bd: 32 · In service since 2018
  • St. John Alexander Tower 2202 W 22nd Ave, Pine Bluff 71603 154 homes, 153 low-income · For older adults (870) 534-2366
  • ST John Apartments 1105 E 26th Ave, Pine Bluff 71601 132 low-income homes · For families (870) 534-2561
  • Heritage Manors of Southeast Arkansas 3217 Old Warren Rd, Pine Bluff 71603 124 low-income homes · For older adults (870) 543-6281
  • Southeast Apartments 1100 E 36th Ave, Pine Bluff 71601 100 low-income homes · For families (870) 534-1790

See all 17 buildings in Jefferson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Pine Bluff

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Jefferson County. The nearest ones are below; many serve by phone or online.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Pine Bluff

No down payment, repair or rent-help program on our list is for Pine Bluff or Jefferson County. The ones below are statewide in Arkansas: they work in Pine Bluff the same as in the rest of the state.

Which programs do I qualify for? All programs in Arkansas

  • ADFA Down Payment Assistance Loan Program

    Statewide in Arkansas

    Arkansas state authority second mortgage of $1,000 to $15,000 for the down payment and closing costs, over 10 years and at the same rate as the ADFA first mortgage (Move-Up or StartSmart). Offered by Arkansas Development Finance Authority (ADFA).

    Repayable

    See the program Official page

Housing counselors near Pine Bluff

The HUD-approved agencies closest to the center of Pine Bluff, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Community Resources Technicians, Inc.

    800 Scott St, Little Rock · 39 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (501) 372-2611

  • Southern Bancorp Community Partners

    3999 W 12th St, Little Rock · 40 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (501) 406-6000

  • In Affordable Housing, Incorporated

    3224 Shackleford Pass, Little Rock · 41 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (501) 221-2203

All counseling agencies in Arkansas

Help in Spanish near Pine Bluff

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Pine Bluff

HUD’s record names them for Pine Bluff or Jefferson County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the City of Pine Bluff Public housing and Section 8 vouchers (870) 536-2074

All housing agencies in Arkansas Source: HUD

Cities

Other cities in Jefferson County

These cities are also in Jefferson County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Jefferson County Housing in Arkansas

Nearby cities

The cities closest to Pine Bluff, with the typical home value.

Neighboring counties

If Jefferson County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Pine Bluff.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Pine Bluff

Short answers with the numbers for Pine Bluff and all of Jefferson County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Pine Bluff?

The typical home value in Pine Bluff is $89,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jefferson County it is $113,400.

How much does it cost to rent in Pine Bluff?

Typical rent in Pine Bluff is $855 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jefferson County is $955.

What is the FHA loan limit in Pine Bluff?

Pine Bluff uses the FHA limit for all of Jefferson County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Pine Bluff?

The typical homeowner in Pine Bluff pays $599 a year, according to the U.S. Census Bureau. That is 0.67% of the home’s value; in Jefferson County, the rate is 0.66%.

Where can I find free help to buy or rent in Pine Bluff?

We found no HUD-approved counseling agencies with an office in Jefferson County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).