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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

Arcadia, NE Housing Affordability Index

Arcadia, Nebraska has an MBR Housing Affordability Index score of 253.5 (Highly Affordable) as of October 30, 2026, ranking 46th most affordable of 456 scored Nebraska cities, compared with 106.6 statewide and 97.4 nationally. On a median-priced $115,400 home with 20% down, the Nebraska average 30-year fixed rate of 7.26% means a monthly principal and interest payment of about $630, or 9% of the city’s $81,250 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Arcadia is updated every night from live Nebraska 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.

Arcadia MBR-HAI 253.5 Highly Affordable
Rank in Nebraska 46 of 456 1 = most affordable
Nebraska 106.6 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.26% Nebraska lenders
Median home value $115,400 U.S. Census Bureau

Arcadia is 146.9 points above the Nebraska score. Scores as of October 30, 2026. See the Nebraska index

View Arcadia Mortgage Rates

What It Takes to Buy in Arcadia

$630/mo
Principal & Interest
Median home, 20% down, 7.26%
$27,000
Income Needed
To keep the payment at 28% of income
$81,250
Median Household Income
Nebraska: $76,475
1.4x
Price-to-Income Ratio
Nebraska: 3.1x
$744/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,542/yr
Median Property Tax
2.20% of median value
17.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
3.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Arcadia Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Arcadia, Nebraska score: 253.5 (Highly Affordable), ranked 46 of 456 Nebraska cities. monitorbankrates.com/housing-affordability-index/nebraska/arcadia”