Housing

Arkansas vs Texas: Owner Costs to Income

Arkansas has a lower owner costs to income ratio than Texas.

Arkansas

AR · South

Winner

14.6%

Median selected monthly owner costs as a percentage of household income (ACS 2023).

Texas

TX · South

18.0%

Median selected monthly owner costs as a percentage of household income (ACS 2023).

Visual comparison

Arkansas14.6%

Texas18.0%

Difference: 3.40 percentage points — Arkansas leads.

National Rankings

Where They Rank Nationally

See where both states fall among all 50 states for owner costs to income.

Arkansas #2 · 14.6%

Texas #36 · 18.0%

Best Worst

10 Best States — Owner Costs to Income

Lower is better

West Virginia

13.3%

Arkansas

14.6%

North Dakota

14.7%

Alabama

14.8%

Mississippi

15.2%

South Carolina

15.4%

Indiana

15.5%

Tennessee

15.5%

Kentucky

15.6%

#10

Missouri

15.9%

Selected states

#36

Texas

18.0%

Arkansas ranks 2nd and Texas ranks 36th nationally for owner costs to income.

Related context

Ownership Cost Burden

Lenders typically flag anything above 28% as stretched — here's how ownership stacks up against income.

MetricArkansasTexas

Owner Costs w/ Mortgage $1,375/mo $2,211/mo

Owner Costs w/o Mortgage $450/mo $703/mo

Median Household Income $52,123 $66,963 Median Home Value $154,200 $294,400 Property Tax Rate 0.55% 1.49%

What this means