Housing affordability index in Arkansas

Housing affordability index in Arkansas: puts one number on the housing question: 18% of the state's median household income goes to principal and interest on a median-priced home at today's rate.

30-year fixed rate used: 6.76% (observed 2026-09-10, FRED MORTGAGE30US).

Share of income

18%

principal + interest

Monthly payment

$861

on a $165,792 home

Median income

$57,307

households, ACS 5-year

Housing affordability index in Arkansas: counties ranked, least affordable first
RankCountyShare of incomeMonthly P&I
1Stone County25.4%$798
2Washington County23.7%$1,223
3Marion County21.4%$764
4Craighead County20.6%$948
5Baxter County20.5%$808
6Pulaski County20%$974
7Faulkner County19.9%$1,017
8Newton County19.7%$834
9Cleburne County19.2%$842
10Garland County19.1%$865
11Boone County18.9%$821
12Benton County18.6%$1,319
13Carroll County18.6%$881
14Clark County18.6%$744
15White County18.4%$783
16Pope County18.3%$790
17Miller County18%$715
18Greene County17.9%$818
19Madison County17.9%$770
20Sebastian County17.9%$805
21Crittenden County17.7%$765
22Johnson County17.6%$622
23Howard County17.4%$651
24Drew County17.2%$644
25Crawford County17%$805
26Montgomery County16.7%$655
27Saline County16.5%$1,010
28Columbia County16.2%$640
29Conway County16.1%$673
30Van Buren County16.1%$612
31Fulton County16%$519
32Searcy County15.9%$556
33Lonoke County15.5%$881
34Polk County15.5%$627
35Franklin County15.4%$610
36Chicot County15%$458
37Randolph County15%$575
38Izard County14.9%$574
39Lee County14.9%$419
40Hot Spring County14.8%$621
41Logan County14.8%$632
42Dallas County14.7%$490
43Desha County14.5%$459
44Hempstead County14.5%$544
45Yell County14.3%$667
46Perry County14.2%$641
47Jefferson County14%$547
48Cleveland County13.9%$567
49Lincoln County13.9%$584
50Union County13.9%$576
51Mississippi County13.7%$571
52Poinsett County13.5%$488
53Arkansas County13.4%$654
54Scott County13.4%$507
55Independence County13.2%$578
56St. Francis County12.9%$428
57Sharp County12.9%$467
58Grant County12.8%$734
59Jackson County12.7%$445
60Cross County12.6%$506
61Monroe County12.6%$439
62Ouachita County12.6%$499
63Pike County12.6%$515
64Bradley County12.5%$457
65Phillips County12.3%$385
66Nevada County12.2%$442
67Woodruff County12.1%$499
68Ashley County12%$450
69Clay County12%$446
70Lawrence County12%$438
71Prairie County11.6%$453
72Little River County11.5%$562
73Sevier County11.5%$515
74Lafayette County11%$368
75Calhoun County8.6%$430

Methodology

Every county figure for Arkansas uses the county's own median home value and median household income from the Census American Community Survey 5-year estimates, a 20% deposit, and the current 30-year fixed rate from FRED (MORTGAGE30US) amortised over 30 years.

The share shown is annualised principal and interest divided by median household income. Property tax, insurance and HOA dues are excluded so the comparison between counties stays like-for-like.

Counties without both a published home value and a published income are left out entirely rather than filled with an estimate, so the table is shorter than the county list in some states.

Sources: FRED series MORTGAGE30US, Freddie Mac Primary Mortgage Market Survey; U.S. Census Bureau, American Community Survey 5-year estimates. American Community Survey 5-year estimates, 2022.