Arkansas Mortgage Rates Today — Compare AR Lenders (May 2026)
Last updated: May 20, 2026 · Rates updated daily
The average 30-year fixed mortgage rate in Arkansas is currently 6.43% APR — below the national average. Arkansas has some of the most affordable home prices in the US.
30-Year Fixed
6.43%
APR avg · AR
15-Year Fixed
5.78%
APR avg · AR
5/1 ARM
6.55%
APR avg · AR
FHA 30-Year
6.11%
APR avg · AR
VA 30-Year
5.95%
APR avg · AR
Arkansas note: Arkansas offers some of the lowest home prices of any US state. Fayetteville and Bentonville (Walmart HQ) have seen strong growth and price appreciation.
Arkansas Mortgage Rate Comparison Table
Rates assume a 740+ credit score, 20% down payment, and a $220,000 loan on a single-family primary residence.
| Loan Type | Interest Rate | APR | Best For |
|---|---|---|---|
| 30-Year Fixed | 6.43% | 6.43% | Most Popular |
| 15-Year Fixed | 5.78% | 5.78% | Pay off faster |
| 5/1 ARM | 6.55% | 6.55% | Short-term owners |
| FHA 30-Year | 6.11% | 6.11% | Low down payment |
| VA 30-Year | 5.95% | 5.95% | Veterans/military |
| 30-Year Refinance | ~+0.12% | ~+0.12% | Existing homeowners |
Rates sourced from lender data and updated daily. See full disclaimer.
Understanding Mortgage Rates in Arkansas
Arkansas offers outstanding housing affordability with median home prices well below the national average. The Fayetteville-Springdale-Rogers metro in Northwest Arkansas has experienced strong growth driven by Walmart’s corporate headquarters and a growing tech and retail ecosystem.
Mortgage Rates by Arkansas City
Little RockView rates →
Fort SmithView rates →
FayettevilleView rates →
SpringdaleView rates →
JonesboroView rates →
North Little RockView rates →
ConwayView rates →
RogersView rates →
Frequently Asked Questions
What are today’s mortgage rates in Arkansas?
As of May 2026, the average 30-year fixed mortgage rate in Arkansas is approximately 6.43% APR. The 15-year fixed averages 5.78% APR. Rates vary by lender, credit score, and loan amount.
What credit score do I need for the best Arkansas mortgage rate?
Most lenders require a 740+ credit score for the best rates. FHA loans are available with scores as low as 580 with 3.5% down. VA loans have no official minimum but most lenders prefer 620+.
What is the conforming loan limit in Arkansas for 2026?
The standard conforming loan limit in Arkansas is $766,550 for most counties. Some high-cost counties may have higher limits. Loans above these limits are jumbo loans and typically carry higher rates.
Disclaimer: Rates are for informational purposes only. State Loan Rates is not a lender or broker. Always verify rates with lenders. See our Financial Disclaimer.