Housing decision brief
Montgomery County, AR Housing Market
Montgomery County screens as a higher purchase price, rent that needs comparison, a manageable tax-rate signal market. Use the page as a decision brief, not just a price lookup, because local income, taxes, and data confidence change how affordable the county really is.
48th lowest home value out of 75 Arkansas counties with data | 40th lowest rent out of 75
Median home value
$136,000
Purchase-price signal from Census ACS.
Median rent
$734/mo
Gross rent, including utilities where reported.
Monthly owner cost
$492/mo
Owner costs before individual loan terms.
Decision snapshot
Read this county in four signals.
Buy screen
2.8x
Median home value divided by local household income.
Rent burden
30.0%
At or above the 30% burden threshold.
Rent vs own
$242/mo
Median owner cost screens below median rent.
Data confidence
2 notes
Home-value estimate has a $32,840 ACS margin of error.
What Works
Owning screens cheaper than renting
Median owner costs are $242/mo below median rent before individual mortgage terms.
What to Check
Lower income base
$49,015 median income is 2% below Arkansas county median
Water quality cross-check
Water quality grade is F. Review water data before treating housing cost as the full story.
Health context
Health score is 21.0 out of 100, so affordability should be weighed against local health indicators.
Crime data coverage
Crime data coverage is partial. Treat zero or low crime rates as incomplete until you check the source coverage.
Wide home-value margin
The ACS margin of error on home value is $32,840, so exact rankings should be read as directional.
Best Fit For
- Buyers comparing homes to local incomes
- Households weighing ownership against renting
Poor Fit For
- Households dependent on a deep local wage market
- Buyers who will not investigate local water systems before moving
- Anyone treating reported crime rates as complete without source context
County vs State vs National
The county number only matters after you see the benchmark. These comparisons show where Montgomery County is genuinely cheap, where it is average, and where the hidden cost may be.
| Metric | County | State | U.S. | Signal |
|---|---|---|---|---|
Median home value Lower usually helps affordability. | $136,000 | $122,600 | $281,900 | 11% pressure11% above Arkansas county median |
Median gross rent Lower usually helps affordability. | $734 | $727 | $1,163 | Near state median1% above Arkansas county median |
Monthly owner cost Lower usually helps affordability. | $492 | $589 | $1,672 | 16% favorable16% below Arkansas county median |
Median household income | $49,015 | $50,221 | $74,755 | Near state median2% below Arkansas county median |
Effective property-tax rate Lower usually helps affordability. | 0.38% | 0.53% | 1.02% | 28% favorable28% below Arkansas county median |
Rent burden Lower usually helps affordability. | 30.00% | 27.00% | N/A | 11% pressure30.00% of renter income goes to rent. |
Income Fit
A low price only helps if local income can carry the monthly cost. This panel compares the county income base with rent and owner-cost thresholds.
Rent cushion
+$19,655
Median income minus rent threshold.
Owner cushion
+$27,929
Median income minus owner-cost threshold.
Affordability Advisory
This turns the raw housing numbers into income and buy-versus-rent screens.
Affordability verdict
Montgomery County offers affordable rental housing at a median of $734/month , about 18.0% of the typical household income here.
Rent vs own
Renters in Montgomery County pay $734/month on average, compared to $492/month for homeowners. This market favors buyers by about 33%.
Income needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $29,360/year. For owner costs at the 28% rule, the required income is roughly $21,086/year. With a median household income of $49,015, most households can comfortably afford rent here. Notably, 30.0% of renter households in Montgomery County are cost-burdened, spending more than 30% of income on housing.
Regional context
Montgomery County sits 7% less expensive than St. Francis County ($791/month) in terms of median gross rent.
Better Counties to Compare
Similar counties are matched on home value, rent, income, and state context. This is more useful than a simple nearest-price list.
| County | Home Value | Rent | Why compare |
|---|---|---|---|
| Conway County, AR | $137,000 | $721/mo | Same-state comparison near $137,000 home value and $721/mo rent. |
| Clark County, AR | $147,100 | $734/mo | Same-state comparison near $147,100 home value and $734/mo rent. |
| Howard County, AR | $135,400 | $702/mo | Same-state comparison near $135,400 home value and $702/mo rent. |
| Van Buren County, AR | $122,300 | $727/mo | Same-state comparison near $122,300 home value and $727/mo rent. |
| Polk County, AR | $122,600 | $699/mo | Same-state comparison near $122,600 home value and $699/mo rent. |
Data Confidence
- Home-value estimate has a $32,840 ACS margin of error.
- Crime coverage is partial, so safety comparisons need source context.
Next Checks
Housing Questions for Montgomery County
Is Montgomery County affordable for buying a home?
Is renting or owning cheaper in Montgomery County?
How much income do you need for housing in Montgomery County?
What should I double-check before moving to Montgomery County?
Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.