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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, OK Housing Affordability Index

Arcadia, Oklahoma has an MBR Housing Affordability Index score of 102.9 (Near National Average) as of October 30, 2026, ranking 542nd most affordable of 555 scored Oklahoma cities, compared with 117.4 statewide and 97.4 nationally. On a median-priced $187,500 home with 20% down, the Oklahoma average 30-year fixed rate of 7.31% means a monthly principal and interest payment of about $1,030, or 29% of the city’s $42,083 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Arcadia is updated every night from live Oklahoma 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 102.9 Near National Average
Rank in Oklahoma 542 of 555 1 = most affordable
Oklahoma 117.4 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.31% Oklahoma lenders
Median home value $187,500 U.S. Census Bureau

Arcadia is 14.6 points below the Oklahoma score. Scores as of October 30, 2026. See the Oklahoma index

View Arcadia Mortgage Rates

What It Takes to Buy in Arcadia

$1,030/mo
Principal & Interest
Median home, 20% down, 7.31%
$44,100
Income Needed
To keep the payment at 28% of income
$42,083
Median Household Income
Oklahoma: $65,039
4.5x
Price-to-Income Ratio
Oklahoma: 3.1x
$481/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,650/yr
Median Property Tax
Oklahoma figure
35.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
36.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Arcadia, Oklahoma. The rate is the Oklahoma 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, Oklahoma score: 102.9 (Near National Average), ranked 542 of 555 Oklahoma cities. monitorbankrates.com/housing-affordability-index/oklahoma/arcadia”