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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

Oil Trough, AR Housing Affordability Index

Oil Trough, Arkansas has an MBR Housing Affordability Index score of 191.6 (Highly Affordable) as of October 30, 2026, ranking 136th most affordable of 450 scored Arkansas cities, compared with 135.7 statewide and 97.4 nationally. On a median-priced $83,100 home with 20% down, the Arkansas average 30-year fixed rate of 7.25% means a monthly principal and interest payment of about $454, or 14% of the city’s $40,083 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Oil Trough 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.

Oil Trough MBR-HAI 191.6 Highly Affordable
Rank in Arkansas 136 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 $83,100 U.S. Census Bureau

Oil Trough is 55.9 points above the Arkansas score. Scores as of October 30, 2026. See the Arkansas index

View Oil Trough Mortgage Rates

What It Takes to Buy in Oil Trough

$454/mo
Principal & Interest
Median home, 20% down, 7.25%
$19,400
Income Needed
To keep the payment at 28% of income
$40,083
Median Household Income
Arkansas: $60,773
2.1x
Price-to-Income Ratio
Arkansas: 3.1x
$433/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$500/yr
Median Property Tax
0.60% of median value
63.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
51.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Oil Trough Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Oil Trough, Arkansas score: 191.6 (Highly Affordable), ranked 136 of 450 Arkansas cities. monitorbankrates.com/housing-affordability-index/arkansas/oil-trough”