Mountain Home, AR home prices
Typical home $235,280 · +0.9% in a year · income needed $63,200
The Mountain Home, AR metro area ranks 502 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +0.9% in a year and +19.9% over five years. With 20% down at 7.11%, the typical home costs about $1,474 a month including 0.46% property tax (Baxter County rate).
Mortgage on the typical Mountain Home home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $47,056 | $188,224 | $1,266 | $0 | $207 | $1,474 | $63,200 |
| 10% down | $23,528 | $211,752 | $1,424 | $88 | $207 | $1,720 | $73,700 |
| 5% down | $11,764 | $223,516 | $1,504 | $93 | $207 | $1,804 | $77,300 |
| 3.5% down (FHA) | $8,235 | $231,019 | $1,554 | $104 | $207 | $1,866 | $80,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.46% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Mountain Home area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Baxter County, AR | $235,278 | +1.0% | 0.46% |
What can you afford in Arkansas on your salary? · Arkansas home prices · Salaries in Arkansas
Frequently asked questions
How much is a house in Mountain Home?
The typical home in the Mountain Home, AR metro area is worth $235,280 (Zillow, September 2026).
What salary do you need to buy a house in Mountain Home?
About $63,200 a year for the typical home with 20% down at 7.11%.