Jacksonville, AR
Jacksonville, AR landlord and rental property insurance
Coverage for rental homes and 2–4 unit buildings in Jacksonville, with local Census housing data. A quote is not a binder.
With an estimated 29,129 residents, Jacksonville has around 5,603 renter households, about 50% of occupied housing. Statewide, Arkansas sits at 34%, so Jacksonville's rental share is above the state figure.
Census snapshot: Jacksonville housing
| Measure | Jacksonville | Arkansas |
|---|---|---|
| Renter-occupied homes | 50% (5,603) | 34% |
| Median owner-occupied home value | $163,400 | $188,000 |
| Median gross rent | $930/mo | $947/mo |
| Median year structure built | 1979 | 1987 |
| Homes in 2–4 unit buildings | 11% | 6% |
| Single-family homes (detached or attached) | 70% | 72% |
Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).
Setting coverage on a Jacksonville rental
At a median home value of $163,400, Jacksonville is lower than Arkansas overall ($188,000). Underwriters care about replacement cost rather than sale price, so bring square footage, construction type, and update history to the conversation.
NAIC data for 2023 shows an average Arkansas dwelling-fire premium of $899 in the $150,000–$199,999 coverage band, which brackets Jacksonville's median value; across all coverage amounts the state average was $571. Treat it as background, since landlord pricing depends on the building and occupancy.
Fair rental value coverage for Jacksonville units
Rents in Jacksonville center on about $930 monthly, including utilities where tenants pay them. Many owners plan for a year offline after a serious loss, which works out near $11,160 per unit at the median.
Older vs. newer rentals in Jacksonville
The median Jacksonville home was built around 1979. Rentals from that era may still have original panels, aging supply lines, or roofs on a second or third replacement, which are the details underwriters ask about first.
What Jacksonville landlords typically own
Small multi-family buildings are a real part of Jacksonville's housing at roughly 11% of units. If you own a duplex, triplex, or fourplex here, read our guide to 2–4 unit buildings.
Comparing Jacksonville to neighboring cities
Nearby Little Rock reports 46% renter households and a $236,400 median home value, so proportionally fewer renters than Jacksonville. For comparison, North Little Rock comes in at 55% rented and $178,900 median value, with median rent of $1,069. Nearby Sherwood reports 29% renter households and a $199,500 median home value, so proportionally fewer renters than Jacksonville. By renter share, Jacksonville is number 4 on our list of 20 Arkansas cities. Manufactured and mobile homes make up about 5% of Jacksonville's housing, and many dwelling programs underwrite those separately. Buildings with five or more units hold about 13% of Jacksonville's homes; those generally need commercial apartment coverage rather than dwelling forms.
Weather and property risks for Jacksonville rentals
In Jacksonville, think about large hail first, then ice storms. Both appear frequently in Arkansas property claims and can change which policy form and deductible make sense.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
Requesting coverage for a Jacksonville rental
- When the building went up and when the roof was last replaced
- Lease type and whether the unit is ever empty
- Electrical, plumbing, and heating update years
- Prior carrier, expiration date, and five-year loss history
- Who holds the loan, for the mortgagee clause
- Desired liability limit and loss-of-rents amount
- Street address in Jacksonville and number of units
Request a Jacksonville landlord quote
Questions from Jacksonville rental owners
How many renters live in Jacksonville?
About 50% of occupied homes in Jacksonville, roughly 5,603 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Jacksonville?
Not by statute. In practice, a Jacksonville rental with a mortgage will need property coverage, and associations or managers often insist on liability limits.
What is a typical landlord premium in Jacksonville?
It depends on the building, coverage, and deductible. For background, the NAIC reported a 2023 Arkansas dwelling-fire average of $571; see our Arkansas page for the full table.
Other Arkansas cities
Landlord insurance in Arkansas · Cost by state
Last updated October 15, 2026. Sources and method: how we research.