US5.com
  1. Home
  2. States
  3. Arkansas
  4. ZIP 72626
  5. Housing & Real Estate
Cotter city, AR

ZIP 72626 — 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 72626

Median Home Value
$170,800
Median Rent
$479
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,097/mo PITI).

15%
Rent-to-Income Ratio

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

4.4x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

29.7 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 72626 in Cotter city, AR, a household would need roughly $47,000 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 $1,097. That is about 22% above the local median household income ($38,618), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.6%+23% vs US avg
x
Vacancy Rate
22.8%+121% vs US avg
x
Broadband Access
86.4%-1% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
8.5%-33% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
37.5%-25% vs US avg
x
Mortgage-Free
59.5%+56% vs US avg
x
$170,800
Home Value
$479
Rent
1973
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached89.8%
  • 1-unit attached0.0%
  • 2-9 units4.6%
  • 10+ units2.7%
  • Mobile home & other2.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$170,800
Median rent$479
Owner-occupied80.6%
Vacant22.8%
Price-to-income4.4x
Est. income to buy$47,000