Mortgage Rates in Bentonville, Arkansas — March 2026
Updated March 2026 | Based on Bentonville market data and regional lending conditions
Bentonville is a growing city in Arkansas with a population of 54,164. The current 30-year fixed mortgage rate in Bentonville is 6.75%, which is 0.1% above the national average. With a median home price of $345,000 and a 20% down payment of $69,000, homebuyers can expect a monthly principal and interest payment of approximately $1,790.
Current Mortgage Rates in Bentonville, AR
Below are the current average mortgage rates available in the Bentonville area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.75% | 6.65% | +0.1% |
| 15-Year Fixed | 5.99% | 5.89% | +0.1% |
| 5/1 ARM | 6.25% | 6.15% | +0.1% |
| FHA | 6.35% | 6.25% | +0.1% |
| VA | 6.15% | 6.05% | +0.1% |
| Jumbo | 6.95% | 6.85% | +0.1% |
Bentonville Housing Market Overview
The Bentonville housing market reflects moderate demand with prices near the national average. The median household income in Bentonville is $68,250, and the cost of living index is 92.5 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $84,343 to comfortably afford the median-priced home in Bentonville, which exceeds the current median household income.
Monthly Payment Breakdown for Bentonville
Based on the median home price of $345,000 with 20% down ($69,000), here is what you can expect to pay monthly in Bentonville:
15-Year vs. 30-Year Mortgage in Bentonville
Choosing a 15-year mortgage in Bentonville at 5.99% instead of a 30-year at 6.75% would save you $225,360 in total interest over the life of the loan. However, your monthly payment would be $2,328 instead of $1,790 — an increase of $538 per month.
Calculate Your Bentonville Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Bentonville
What are the current mortgage rates in Bentonville, AR?
As of March 2026, the average 30-year fixed mortgage rate in Bentonville, Arkansas is 6.75%, while the 15-year fixed rate is 5.99%. FHA loans average 6.35% and VA loans 6.15%. These rates are 0.1% above the national average of 6.65%.
How much is a monthly mortgage payment in Bentonville?
Based on the median home price of $345,000 with 20% down, the estimated monthly mortgage payment in Bentonville is $1,790 for principal and interest. Including property taxes of $178/month, the total monthly housing cost is approximately $1,968.
What income do I need to buy a home in Bentonville?
Using the 28% rule, you would need an annual income of approximately $84,343 to afford the median-priced home in Bentonville at $345,000. The median household income in Bentonville is $68,250. This means most households would need to either earn above the median or consider homes below $345,000.
Is Bentonville a good place to buy a home in 2026?
Bentonville offers a below-average cost of living with a cost of living index of 92.5 (national average = 100). The property tax rate in Arkansas is 0.62%, which is below the national average. Bentonville has a population of 54,164 and offers a very affordable lifestyle.
Mortgage Rates in Other Arkansas Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Bentonville, Arkansas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.