MonitorBankRates
☰
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

Black Rock, AR Housing Affordability Index

Black Rock, Arkansas has an MBR Housing Affordability Index score of 267.5 (Highly Affordable) as of October 30, 2026, ranking 29th most affordable of 450 scored Arkansas cities, compared with 135.7 statewide and 97.4 nationally. On a median-priced $68,700 home with 20% down, the Arkansas average 30-year fixed rate of 7.25% means a monthly principal and interest payment of about $375, or 9% of the city’s $52,019 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Black Rock 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.

Black Rock MBR-HAI 267.5 Highly Affordable
Rank in Arkansas 29 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 $68,700 U.S. Census Bureau

Black Rock is 131.8 points above the Arkansas score. Scores as of October 30, 2026. See the Arkansas index

View Black Rock Mortgage Rates

What It Takes to Buy in Black Rock

$375/mo
Principal & Interest
Median home, 20% down, 7.25%
$16,100
Income Needed
To keep the payment at 28% of income
$52,019
Median Household Income
Arkansas: $60,773
1.3x
Price-to-Income Ratio
Arkansas: 3.1x
$627/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$351/yr
Median Property Tax
0.51% of median value
16.9%
Owner Cost Burden
Owners spending 30%+ of income on housing
50.8%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Black Rock Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Black Rock, Arkansas score: 267.5 (Highly Affordable), ranked 29 of 450 Arkansas cities. monitorbankrates.com/housing-affordability-index/arkansas/black-rock”