Mortgage Rates in Arkansas — June 2026
Compare mortgage rate benchmarks across 61 cities in Arkansas. Amortio's estimated state average for a 30-year fixed loan is 6.72%, which is 0.24% above the Freddie Mac national benchmark of 6.48% from June 4, 2026. These figures are informational estimates, not lender quotes or APR offers.
What is the current Arkansas mortgage-rate benchmark?
Amortio's Arkansas state table shows an estimated 6.72% 30-year benchmark across 61 cities, versus Freddie Mac's 6.48% national 30-year PMMS benchmark from June 4, 2026. Use it to compare city payments, then request same-day lender Loan Estimates for APR, points, fees, lock period, and cash-to-close.
How to Read Arkansas Mortgage Rates
Arkansas is not one uniform mortgage market. The rate table below covers 61 cities, but the real payment difference comes from home price, income, property taxes, loan size, and whether a borrower fits conventional, FHA, VA, or jumbo pricing. Use this page to compare cities first, then use lender quotes for final APR and fee decisions.
- At the state-average payment of $867 per month and median income of $45,300, Arkansas looks comparatively manageable against local median income.
- The observed city-level 30-year benchmark spread is 0.78 percentage points, from 6.11% to 6.89%. Even small rate differences matter more in expensive cities because they apply to larger loan balances.
- Average property-tax pressure is relatively low, so purchase price and rate lock timing usually drive more of the monthly-payment difference.
- For buyers comparing down payment choices, pair this state page with the PMI calculator, affordability calculator, and closing cost estimator before assuming the lowest advertised rate creates the lowest total cost.
Payment-Efficient Arkansas Cities
| City | P&I / Income | Monthly P&I | Median Income | 30-Year Rate |
|---|---|---|---|---|
| Monticello | 15.6% | $653 | $50,200 | 6.89% |
| Stuttgart | 16.9% | $665 | $47,200 | 6.69% |
| Wynne | 17.7% | $663 | $45,000 | 6.89% |
| Lowell | 17.8% | $740 | $49,800 | 6.66% |
| Sherwood | 17.8% | $749 | $50,400 | 6.78% |
Highest-Priced Arkansas Markets to Stress-Test
Arkansas Mortgage Quote Comparison Worksheet
Use this checklist before choosing between lender quotes, state assistance, builder credits, or a temporary buydown. It is built to catch the costs that do not show up in a simple rate table.
| Line Item | What to Compare |
|---|---|
| Rate vs APR | APR exposes points, lender fees, and credits that can hide inside a lower advertised rate. |
| Cash to close | Compare down payment, closing costs, prepaid taxes, insurance escrow, and any assistance or seller credit. |
| Payment after escrow | Arkansas buyers should compare principal, interest, property tax, insurance, HOA or condo dues, and mortgage insurance together. |
| Assistance terms | Down payment assistance can be a grant, forgivable second, deferred second, or repayable loan; the repayment rule changes the real cost. |
| Rate lock and buydown | Temporary buydowns and lender credits can improve the first-year payment while leaving a higher long-run payment. |
A strong Arkansas mortgage comparison should include at least two lender Loan Estimates plus one program or assistance check where available. Pair this worksheet with the affordability calculator, PMI calculator, and closing cost estimator.
Arkansas ADFA StartSmart, Move-Up & DPA Notes
Arkansas borrowers should compare the mortgage-rate benchmark with ADFA StartSmart, Move-Up, down payment assistance, participating lender rules, property taxes, USDA eligibility, and city-level affordability. This page is for planning and comparison, not a lender quote or APR offer.
- ADFA says participating lenders originate, process, and close ADFA homebuyer loans.
- ADFA homeownership resources list StartSmart, Move-Up, and down payment assistance program paths for qualifying buyers.
- ADFA describes its Down Payment Assistance Program as $1,000 to $15,000 for down payment and closing cost help, paired with qualifying StartSmart or Move-Up first mortgages.
- Little Rock, Fayetteville, Fort Smith, Jonesboro, Bentonville, Conway, and smaller Arkansas markets can have very different home-price and USDA eligibility assumptions.
Arkansas Loan Limit & ADFA Assistance Checks
| Area | Conforming | FHA | Why It Matters |
|---|---|---|---|
| Arkansas conventional loans | Use FHFA lookup | Use HUD lookup | Verify county limits before deciding conforming, FHA, VA, USDA, or jumbo. |
| ADFA StartSmart or Move-Up | Program-specific | Program-specific | Participating lender, income, first-time buyer, loan type, and assistance rules should be verified. |
| USDA-eligible Arkansas purchase | N/A | N/A | USDA property and income eligibility can matter in smaller markets and rural areas. |
Official Arkansas Mortgage Sources
Arkansas Housing Highlights
All 61 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 |
| North Little Rock | 6.88% | $182,000 | $957 | 64,591 |
| 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 |
| Benton | 6.63% | $165,000 | $846 | 36,820 |
| Paris | 6.66% | $175,000 | $900 | 34,998 |
| Sherwood | 6.78% | $144,000 | $749 | 32,229 |
| Bella Vista | 6.86% | $141,000 | $740 | 30,493 |
| Texarkana | 6.11% | $145,000 | $704 | 30,259 |
| Russellville | 6.34% | $165,000 | $820 | 29,612 |
| Paragould | 6.46% | $140,000 | $705 | 29,535 |
| Jacksonville | 6.63% | $169,000 | $866 | 28,743 |
| Newport | 6.68% | $197,500 | $1,017 | 28,501 |
| Gassville | 6.81% | $197,500 | $1,031 | 27,533 |
| Cabot | 6.5% | $220,000 | $1,112 | 26,352 |
| West Memphis | 6.82% | $138,000 | $721 | 24,348 |
| Van Buren | 6.16% | $175,000 | $854 | 23,862 |
| Searcy | 6.8% | $155,000 | $808 | 23,768 |
| Prairie Grove | 6.67% | $165,000 | $849 | 23,330 |
| Cherokee Village | 6.65% | $205,000 | $1,053 | 22,953 |
| Bryant | 6.79% | $155,000 | $808 | 22,248 |
| Walnut Ridge | 6.79% | $170,000 | $886 | 21,887 |
| Piggott | 6.82% | $110,000 | $575 | 21,586 |
| Corning | 6.87% | $155,000 | $814 | 20,186 |
| Centerton | 6.61% | $138,000 | $706 | 19,247 |
| Hamburg | 6.75% | $185,000 | $960 | 19,212 |
| Lonoke | 6.74% | $165,000 | $855 | 18,954 |
| Maumelle | 6.83% | $137,000 | $717 | 18,755 |
| Greenwood | 6.66% | $205,000 | $1,054 | 18,162 |
| Nashville | 6.87% | $190,000 | $998 | 17,915 |
| El Dorado | 6.74% | $157,000 | $814 | 17,737 |
| Star City | 6.77% | $155,000 | $806 | 17,256 |
| Siloam Springs | 6.73% | $147,000 | $761 | 17,031 |
| 21 more Arkansas city mortgage-rate pages are available as individual pages and in the XML sitemap. | ||||
Arkansas Mortgage Rates Guide — 2026
Arkansas homebuyers can use an estimated 30-year fixed benchmark of 6.72%, with median home prices around $167,639. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $867.
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 $37,157 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
For Arkansas mortgage-rate searches, compare city payment data with ADFA participating lender rules. A lower market rate may not beat an ADFA-assisted quote if down payment or closing cost assistance changes cash-to-close, but the APR and repayment terms still matter.
Use our free loan calculator to see your estimated monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Methodology & Mortgage Rate Data Sources
How we calculate Arkansas mortgage rates: Our rate estimates start with weekly mortgage-rate benchmarks and then compare city-level housing assumptions. They are designed for planning and comparison, not as a guarantee of lender pricing.
- Benchmark mortgage rates from Freddie Mac Primary Mortgage Market Survey (PMMS) — the most-cited weekly survey of 30-year and 15-year fixed conforming rates.
- Federal Reserve rate policy tracked via FRED — Federal Reserve Economic Data — the St. Louis Fed's authoritative database of interest rate series.
- Conforming loan limits set annually by the FHFA Conforming Loan Limit announcements (Arkansas 2026: $832,750 baseline, with higher one-unit limits in high-cost counties).
- State lending regulation context from HUD State Information pages covering FHA, down payment assistance, and housing finance agency programs in Arkansas.
- Mortgage market trends tracked via Mortgage Bankers Association (MBA) Weekly Applications Survey — the industry benchmark for mortgage demand and rate sensitivity.
Authoritative mortgage rate data sources:
- Freddie Mac PMMS — weekly 30yr and 15yr fixed rate benchmark
- FRED — Federal Reserve Economic Data — interest rate and housing series
- FHFA — Federal Housing Finance Agency — conforming loan limits and HPI
- HUD — Housing and Urban Development — FHA programs and state assistance
- ADFA home loans — Arkansas StartSmart, Move-Up, DPA, rates, and lender resources
- CFPB Mortgage Rate Checker — personalized rate comparison tool
- VA Home Loan Program — zero down payment loan for eligible veterans
Rate Disclaimer: Rates shown are estimates based on current market surveys and may not reflect actual lender quotes. Your rate depends on credit score, loan-to-value ratio, down payment, property type, and lender. Always obtain personalized rate quotes from multiple lenders. Rates change daily.
Reviewed by Brazora Monk · Last updated May 2026 · Freddie Mac PMMS data current as of June 4, 2026
Frequently Asked Questions — Arkansas Mortgages
What are current mortgage rates in Arkansas?
As of June 4, 2026, Freddie Mac's national benchmark was 6.48% for the 30-year fixed and 5.79% for the 15-year fixed. Amortio's Arkansas city comparison shows an estimated 30-year benchmark average of 6.72% and 15-year average of 5.96%. Rates vary by city, lender, lock date, fees, and borrower qualification.
What is the average home price in Arkansas?
The median home price across 61 cities in Arkansas is $167,639. 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 $37,157 to comfortably afford the average home in Arkansas. The median household income in the state is approximately $45,300.
What ADFA programs should Arkansas buyers check?
Arkansas buyers should review ADFA StartSmart, Move-Up, and the Down Payment Assistance Program, then compare participating-lender quotes against conventional, FHA, VA, USDA, and other market options.
How much ADFA down payment assistance is listed?
ADFA describes its DPA Program as providing $1,000 to $15,000 for down payment and closing cost assistance for qualifying StartSmart or Move-Up first mortgage borrowers, subject to current program rules.
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