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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

Pearcy, AR Housing Affordability Index

Pearcy, Arkansas has an MBR Housing Affordability Index score of 235.2 (Highly Affordable) as of October 30, 2026, ranking 57th most affordable of 450 scored Arkansas cities, compared with 135.7 statewide and 97.4 nationally. On a median-priced $53,400 home with 20% down, the Arkansas average 30-year fixed rate of 7.25% means a monthly principal and interest payment of about $292, or 12% of the city’s $30,278 median household income.

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

Pearcy MBR-HAI 235.2 Highly Affordable
Rank in Arkansas 57 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 $53,400 U.S. Census Bureau

Pearcy is 99.5 points above the Arkansas score. Scores as of October 30, 2026. See the Arkansas index

View Pearcy Mortgage Rates

What It Takes to Buy in Pearcy

$292/mo
Principal & Interest
Median home, 20% down, 7.25%
$12,500
Income Needed
To keep the payment at 28% of income
$30,278
Median Household Income
Arkansas: $60,773
1.8x
Price-to-Income Ratio
Arkansas: 3.1x
$150/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$473/yr
Median Property Tax
0.89% of median value
19.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
100.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Pearcy Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Pearcy, Arkansas score: 235.2 (Highly Affordable), ranked 57 of 450 Arkansas cities. monitorbankrates.com/housing-affordability-index/arkansas/pearcy”