Mortgage Rates in Stuttgart, Arkansas — March 2026
Updated March 2026 | Based on Stuttgart market data and regional lending conditions
Stuttgart is a growing city in Arkansas with a population of 8,695. The current 30-year fixed mortgage rate in Stuttgart is 6.69%, which is 0.04% above the national average. With a median home price of $129,000 and a 20% down payment of $25,800, homebuyers can expect a monthly principal and interest payment of approximately $665.
Current Mortgage Rates in Stuttgart, AR
Below are the current average mortgage rates available in the Stuttgart 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 | 6.69% | 6.65% | +0.04% |
| 15-Year Fixed | 5.95% | 5.89% | +0.06% |
| 5/1 ARM | 6.22% | 6.15% | +0.07% |
| FHA | 6.47% | 6.25% | +0.22% |
| VA | 6.22% | 6.05% | +0.17% |
| Jumbo | 6.94% | 6.85% | +0.09% |
Stuttgart Housing Market Overview
The Stuttgart housing market offers relatively affordable housing compared to many major cities. The median household income in Stuttgart is $47,200, and the cost of living index is 75.4 (national average = 100). Based on the 28% affordability rule, the median income in Stuttgart is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Stuttgart
Based on the median home price of $129,000 with 20% down ($25,800), here is what you can expect to pay monthly in Stuttgart:
15-Year vs. 30-Year Mortgage in Stuttgart
Choosing a 15-year mortgage in Stuttgart at 5.95% instead of a 30-year at 6.69% would save you $83,160 in total interest over the life of the loan. However, your monthly payment would be $868 instead of $665 — an increase of $203 per month.
Calculate Your Stuttgart 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 Stuttgart
What are the current mortgage rates in Stuttgart, AR?
As of March 2026, the average 30-year fixed mortgage rate in Stuttgart, Arkansas is 6.69%, while the 15-year fixed rate is 5.95%. FHA loans average 6.47% and VA loans 6.22%. These rates are 0.04% above the national average of 6.65%.
How much is a monthly mortgage payment in Stuttgart?
Based on the median home price of $129,000 with 20% down, the estimated monthly mortgage payment in Stuttgart is $665 for principal and interest. Including property taxes of $62/month, the total monthly housing cost is approximately $727.
What income do I need to buy a home in Stuttgart?
Using the 28% rule, you would need an annual income of approximately $31,157 to afford the median-priced home in Stuttgart at $129,000. The median household income in Stuttgart is $47,200. The median income is currently sufficient to meet this threshold.
Is Stuttgart a good place to buy a home in 2026?
Stuttgart offers a below-average cost of living with a cost of living index of 75.4 (national average = 100). The property tax rate in Arkansas is 0.58%, which is below the national average. Stuttgart has a population of 8,695 and offers a very affordable lifestyle.
Mortgage Rates in Other Arkansas Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Stuttgart, Arkansas area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.