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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

Bergman, AR Housing Affordability Index

Bergman, Arkansas has an MBR Housing Affordability Index score of 194.7 (Highly Affordable) as of October 30, 2026, ranking 129th most affordable of 450 scored Arkansas cities, compared with 135.7 statewide and 97.4 nationally. On a median-priced $144,100 home with 20% down, the Arkansas average 30-year fixed rate of 7.25% means a monthly principal and interest payment of about $787, or 15% of the city’s $61,042 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Bergman 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.

Bergman MBR-HAI 194.7 Highly Affordable
Rank in Arkansas 129 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 $144,100 U.S. Census Bureau

Bergman is 59.0 points above the Arkansas score. Scores as of October 30, 2026. See the Arkansas index

View Bergman Mortgage Rates

What It Takes to Buy in Bergman

$787/mo
Principal & Interest
Median home, 20% down, 7.25%
$33,700
Income Needed
To keep the payment at 28% of income
$61,042
Median Household Income
Arkansas: $60,773
2.4x
Price-to-Income Ratio
Arkansas: 3.1x
$800/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$476/yr
Median Property Tax
0.33% of median value
22.6%
Owner Cost Burden
Owners spending 30%+ of income on housing
16.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Bergman Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Bergman, Arkansas score: 194.7 (Highly Affordable), ranked 129 of 450 Arkansas cities. monitorbankrates.com/housing-affordability-index/arkansas/bergman”