Cost Of Living in Stephens, AR

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24%

Overall NAT. AVG.

2%

Groceries NAT. AVG.

70%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Stephens	Arkansas	National
Cost of living	76	86	100
Groceries	98	96	100
Health care	96	95	100
Housing	30	67	100
Transportation	93	94	100
Utilities	94	93	100
Lifestyle & Entertainment	96	93	100
Household Items	98	96	100
Education & Childcare	97	92	100

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Homes For Sale In Stephens, AR

1 Ouachita Cr 101

Ogemaw, AR

377 Ouachita 210

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Belafonte

Stephens, AR

182 Old Camden Rd

Mount Holly, AR

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Cost Of Living Quick Facts

The cost of living in Stephens is 12% lower than the Arkansas average
The cost of living in Stephens is 24% lower than the national average
Stephens housing is 70% lower than the national average
Arkansas general sales tax is 27% higher than the national average
Arkansas state income tax is 23% lower than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$51,423	$4,285	$1,200	$1,543
Renters	$26,986	$2,249	$630	$810

Arkansas Sales Tax

State	General Sales Tax	With Max Surtax
Arkansas	6.5%	11.625%

Arkansas Income Tax

State	Income Tax (Low)	Income Tax (High)
Arkansas	2%	4.9%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Rosston, AR	429	76	24.0%
Willisville, AR	320	77	22.7%
Cale, AR	66	78	22.3%
Waldo, AR	1,423	78	22.2%
McNeil, AR	491	80	19.6%
Stephens, AR	1,079	76	23.9%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Alhambra Valley, CA	1,079	214	114.1%
Log Lane Village, CO	1,079	94	5.6%
Gull Lake, SK	1,079	n/a
Neola, IA	1,078	91	8.5%
Argenta, IL	1,080	88	12.5%
Stephens, AR	1,079	76	23.9%