Mortgage Rates in Pine Bluff, Arkansas — March 2026
Updated March 2026 | Based on Pine Bluff market data and regional lending conditions
Pine Bluff is a growing city in Arkansas with a population of 41,474. The current 30-year fixed mortgage rate in Pine Bluff is 6.75%, which is 0.1% above the national average. With a median home price of $95,000 and a 20% down payment of $19,000, homebuyers can expect a monthly principal and interest payment of approximately $493.
Current Mortgage Rates in Pine Bluff, AR
Below are the current average mortgage rates available in the Pine Bluff 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% |
Pine Bluff Housing Market Overview
The Pine Bluff housing market offers relatively affordable housing compared to many major cities. The median household income in Pine Bluff is $28,250, and the cost of living index is 75.5 (national average = 100). Based on the 28% affordability rule, the median income in Pine Bluff is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Pine Bluff
Based on the median home price of $95,000 with 20% down ($19,000), here is what you can expect to pay monthly in Pine Bluff:
15-Year vs. 30-Year Mortgage in Pine Bluff
Choosing a 15-year mortgage in Pine Bluff at 5.99% instead of a 30-year at 6.75% would save you $62,100 in total interest over the life of the loan. However, your monthly payment would be $641 instead of $493 — an increase of $148 per month.
Calculate Your Pine Bluff 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 Pine Bluff
What are the current mortgage rates in Pine Bluff, AR?
As of March 2026, the average 30-year fixed mortgage rate in Pine Bluff, 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 Pine Bluff?
Based on the median home price of $95,000 with 20% down, the estimated monthly mortgage payment in Pine Bluff is $493 for principal and interest. Including property taxes of $49/month, the total monthly housing cost is approximately $542.
What income do I need to buy a home in Pine Bluff?
Using the 28% rule, you would need an annual income of approximately $23,229 to afford the median-priced home in Pine Bluff at $95,000. The median household income in Pine Bluff is $28,250. The median income is currently sufficient to meet this threshold.
Is Pine Bluff a good place to buy a home in 2026?
Pine Bluff offers a below-average cost of living with a cost of living index of 75.5 (national average = 100). The property tax rate in Arkansas is 0.62%, which is below the national average. Pine Bluff has a population of 41,474 and offers a very affordable lifestyle.
Mortgage Rates in Other Arkansas Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Pine Bluff, Arkansas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.