Mortgage Rates in Bella Vista, Arkansas — March 2026
Updated March 2026 | Based on Bella Vista market data and regional lending conditions
Bella Vista is a growing city in Arkansas with a population of 30,493. The current 30-year fixed mortgage rate in Bella Vista is 6.86%, which is 0.21% above the national average. With a median home price of $141,000 and a 20% down payment of $28,200, homebuyers can expect a monthly principal and interest payment of approximately $740.
Current Mortgage Rates in Bella Vista, AR
Below are the current average mortgage rates available in the Bella Vista area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.86% | 6.65% | +0.21% |
| 15-Year Fixed | 6.08% | 5.89% | +0.19% |
| 5/1 ARM | 6.32% | 6.15% | +0.17% |
| FHA | 6.55% | 6.25% | +0.3% |
| VA | 6.3% | 6.05% | +0.25% |
| Jumbo | 7.11% | 6.85% | +0.26% |
Bella Vista Housing Market Overview
The Bella Vista housing market offers relatively affordable housing compared to many major cities. The median household income in Bella Vista is $49,400, and the cost of living index is 75.7 (national average = 100). Based on the 28% affordability rule, the median income in Bella Vista is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Bella Vista
Based on the median home price of $141,000 with 20% down ($28,200), here is what you can expect to pay monthly in Bella Vista:
15-Year vs. 30-Year Mortgage in Bella Vista
Choosing a 15-year mortgage in Bella Vista at 6.08% instead of a 30-year at 6.86% would save you $94,140 in total interest over the life of the loan. However, your monthly payment would be $957 instead of $740 — an increase of $217 per month.
Calculate Your Bella Vista Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Bella Vista
What are the current mortgage rates in Bella Vista, AR?
As of March 2026, the average 30-year fixed mortgage rate in Bella Vista, Arkansas is 6.86%, while the 15-year fixed rate is 6.08%. FHA loans average 6.55% and VA loans 6.3%. These rates are 0.21% above the national average of 6.65%.
How much is a monthly mortgage payment in Bella Vista?
Based on the median home price of $141,000 with 20% down, the estimated monthly mortgage payment in Bella Vista is $740 for principal and interest. Including property taxes of $68/month, the total monthly housing cost is approximately $808.
What income do I need to buy a home in Bella Vista?
Using the 28% rule, you would need an annual income of approximately $34,629 to afford the median-priced home in Bella Vista at $141,000. The median household income in Bella Vista is $49,400. The median income is currently sufficient to meet this threshold.
Is Bella Vista a good place to buy a home in 2026?
Bella Vista offers a below-average cost of living with a cost of living index of 75.7 (national average = 100). The property tax rate in Arkansas is 0.58%, which is below the national average. Bella Vista has a population of 30,493 and offers a very affordable lifestyle.
Mortgage Rates in Other Arkansas Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Bella Vista, Arkansas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.