Â鶹ԭ´´

Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Arkansas residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in Arkansas, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. Sherwood, Arkansas
- Payment to income ratio: 21.9%
- Median sale price: $226,470
- Median household income: $79,157
- Income needed to buy: $57,832
- Median monthly mortgage payment: $1,446
- See homes for sale in Sherwood on

#2. Marion, Arkansas
- Payment to income ratio: 24.9%
- Median sale price: $262,530
- Median household income: $80,637
- Income needed to buy: $67,040
- Median monthly mortgage payment: $1,676
- See homes for sale in Marion on

#3. Bryant, Arkansas
- Payment to income ratio: 25.5%
- Median sale price: $276,959
- Median household income: $83,219
- Income needed to buy: $70,725
- Median monthly mortgage payment: $1,768
- See homes for sale in Bryant on

#4. Benton, Arkansas
- Payment to income ratio: 25.9%
- Median sale price: $235,603
- Median household income: $69,638
- Income needed to buy: $60,164
- Median monthly mortgage payment: $1,504
- See homes for sale in Benton on

#5. Cabot, Arkansas
- Payment to income ratio: 26.3%
- Median sale price: $249,150
- Median household income: $72,656
- Income needed to buy: $63,624
- Median monthly mortgage payment: $1,591
- See homes for sale in Cabot on

#6. Maumelle, Arkansas
- Payment to income ratio: 26.3%
- Median sale price: $317,699
- Median household income: $92,466
- Income needed to buy: $81,129
- Median monthly mortgage payment: $2,028
- See homes for sale in Maumelle on

#7. Centerton, Arkansas
- Payment to income ratio: 28.4%
- Median sale price: $418,046
- Median household income: $112,920
- Income needed to buy: $106,753
- Median monthly mortgage payment: $2,669
- See homes for sale in Centerton on

#8. Siloam Springs, Arkansas
- Payment to income ratio: 32.3%
- Median sale price: $277,335
- Median household income: $65,725
- Income needed to buy: $70,821
- Median monthly mortgage payment: $1,771
- See homes for sale in Siloam Springs on

#9. Bella Vista, Arkansas
- Payment to income ratio: 33.6%
- Median sale price: $376,549
- Median household income: $85,932
- Income needed to buy: $96,157
- Median monthly mortgage payment: $2,404
- See homes for sale in Bella Vista on

#10. Bentonville, Arkansas
- Payment to income ratio: 36.0%
- Median sale price: $509,698
- Median household income: $108,465
- Income needed to buy: $130,158
- Median monthly mortgage payment: $3,254
- See homes for sale in Bentonville on

#11. Springdale, Arkansas
- Payment to income ratio: 40.1%
- Median sale price: $345,442
- Median household income: $66,044
- Income needed to buy: $88,213
- Median monthly mortgage payment: $2,205
- See homes for sale in Springdale on

#12. Rogers, Arkansas
- Payment to income ratio: 41.2%
- Median sale price: $446,353
- Median household income: $82,993
- Income needed to buy: $113,982
- Median monthly mortgage payment: $2,850
- See homes for sale in Rogers on