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Stephens city, AR

ZIP 71764 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 71764

Median Home Value
$63,000
Median Rent
$268
Affordability Snapshot
$17,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$405/mo PITI).

8%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

1.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 71764 in Stephens city, AR, a household would need roughly $17,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $405. That sits below the local median household income ($38,125), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 40% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.0%+27% vs US avg
x
Vacancy Rate
39.8%+287% vs US avg
x
Broadband Access
58.0%-33% vs US avg
x
4+ Bedrooms
1.4%-90% vs US avg
x
Built Pre-1939
8.4%-35% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
14.0%-72% vs US avg
x
Mortgage-Free
70.5%+85% vs US avg
x
$63,000
Home Value
$268
Rent
1966
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached80.5%
  • 1-unit attached0.0%
  • 2-9 units4.6%
  • 10+ units0.4%
  • Mobile home & other14.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$63,000
Median rent$268
Owner-occupied83.0%
Vacant39.8%
Price-to-income1.7x
Est. income to buy$17,000