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Hartford city, AR

ZIP 72938 — 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 72938

Median Home Value
$134,000
Median Rent
$488
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$861/mo PITI).

11%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.9 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 72938 in Hartford city, AR, a household would need roughly $37,000 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 $861. That sits below the local median household income ($53,125), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.3%+26% vs US avg
x
Vacancy Rate
14.8%+44% vs US avg
x
Broadband Access
83.4%-4% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
2.4%-81% vs US avg
x
Built Post-2014
1.7%-76% vs US avg
x
Rent Burden >30%
28.8%-42% vs US avg
x
Mortgage-Free
71.3%+87% vs US avg
x
$134,000
Home Value
$488
Rent
1988
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached90.0%
  • 1-unit attached0.6%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other9.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$134,000
Median rent$488
Owner-occupied82.3%
Vacant14.8%
Price-to-income2.5x
Est. income to buy$37,000