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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Augusta, AR Housing Affordability Index

Augusta, Arkansas has an MBR Housing Affordability Index score of 172.8 (Highly Affordable) as of October 30, 2026, ranking 205th most affordable of 450 scored Arkansas cities, compared with 135.7 statewide and 97.4 nationally. On a median-priced $117,000 home with 20% down, the Arkansas average 30-year fixed rate of 7.25% means a monthly principal and interest payment of about $639, or 15% of the city’s $50,575 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Augusta is updated every night from live Arkansas mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Augusta MBR-HAI 172.8 Highly Affordable
Rank in Arkansas 205 of 450 1 = most affordable
Arkansas 135.7 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.25% Arkansas lenders
Median home value $117,000 U.S. Census Bureau

Augusta is 37.1 points above the Arkansas score. Scores as of October 30, 2026. See the Arkansas index

View Augusta Mortgage Rates

What It Takes to Buy in Augusta

$639/mo
Principal & Interest
Median home, 20% down, 7.25%
$27,400
Income Needed
To keep the payment at 28% of income
$50,575
Median Household Income
Arkansas: $60,773
2.3x
Price-to-Income Ratio
Arkansas: 3.1x
$583/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$719/yr
Median Property Tax
0.61% of median value
28.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
24.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Augusta, Arkansas. The rate is the Arkansas average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Augusta Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Augusta, Arkansas score: 172.8 (Highly Affordable), ranked 205 of 450 Arkansas cities. monitorbankrates.com/housing-affordability-index/arkansas/augusta”