Mortgage Rates in Arkansas — March 2026
Compare current mortgage rates across 10 cities in Arkansas. The average 30-year fixed rate is 6.75%, which is 0.1% above the national average of 6.65%.
Arkansas Housing Highlights
All 10 Cities in Arkansas
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Little Rock | 6.75% | $195,000 | $1,012 | 202,591 |
| Fayetteville | 6.75% | $295,000 | $1,531 | 93,949 |
| Fort Smith | 6.75% | $155,000 | $804 | 89,142 |
| Springdale | 6.75% | $265,000 | $1,375 | 86,612 |
| Jonesboro | 6.75% | $175,000 | $908 | 78,576 |
| Rogers | 6.75% | $285,000 | $1,479 | 69,908 |
| Conway | 6.75% | $215,000 | $1,116 | 67,336 |
| Bentonville | 6.75% | $345,000 | $1,790 | 54,164 |
| Pine Bluff | 6.75% | $95,000 | $493 | 41,474 |
| Hot Springs | 6.75% | $195,000 | $1,012 | 38,797 |
Arkansas Mortgage Rates Guide — 2026
Arkansas homebuyers currently see an average 30-year fixed mortgage rate of 6.75%, with median home prices around $222,000. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $1,152.
The most affordable city for homebuyers in Arkansas is Pine Bluff, where the median home price is $95,000. On the other end, Bentonville has the highest prices at $345,000. Property tax rates across the state average 0.62%.
To comfortably afford a home at the state average price, a household income of approximately $49,371 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — Arkansas Mortgages
What are current mortgage rates in Arkansas?
As of March 2026, the average 30-year fixed mortgage rate in Arkansas is 6.75% and the 15-year fixed rate averages 5.99%. Rates vary by city, lender, and borrower qualification.
What is the average home price in Arkansas?
The median home price across 10 cities in Arkansas is $222,000. Prices range from $95,000 in Pine Bluff to $345,000 in Bentonville.
How much income do I need to buy a house in Arkansas?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $49,371 to comfortably afford the average home in Arkansas. The median household income in the state is approximately $45,208.
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