Market Overview
Home Prices in Ozark, AR
The median home value in Ozark, AR is $176,324 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.6% compared to a year ago and down 2.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Ozark are priced57% below average. Ozark is part of the Fort Smith, AR-OK metro area.
Over the past five years, Ozark home values have risen by approximately24.3%, reflecting strong long-term appreciation in this market.
Price History
Ozark Home Price Trend
City Comparison
Ozark vs. National Median
At $176,324, homes in Ozark cost 57% below the national median of $410,000. This makes Ozark a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Ozark?
20% Down Payment
$35,265
on $176,324
Monthly P&I
$920/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,168/mo
incl. taxes & insurance
Income Needed
$46,720
gross annual (30% rule)
10% Down Option
$17,632
+ PMI applies
Loan Amount (20% dn)
$141,059
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Ozark, AR?
The median home value in Ozark is $176,324 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.6% year-over-year.
How much have home prices changed in Ozark?
Over the past year, home values in Ozark have increased by 3.6%. Over five years, prices have risen approximately 24.3%.
How much do I need to earn to buy a home in Ozark?
To comfortably afford the median home price of $176,324 with a 20% down payment ($35,265) at today's rates (6.8%), you'd need a gross annual income of approximately $46,720. This assumes keeping total housing costs at or below 30% of gross income.
How does Ozark compare to the national average home price?
The national median home value is approximately $410,000. At $176,324, homes in Ozark are 57% below the national average.
What metro area is Ozark part of?
Ozark is part of the Fort Smith, AR-OK metropolitan area. Home prices and market conditions can vary across the broader metro region.