St. Francis: Housing & Real Estate
St. Francis homes sell at a median $47,800 (estimated market value runs 18% higher at $56,318), with median rent $575 (1.1× below Clay County median $639; 1.5× below Arkansas median $859). Homeownership rate: 82.9%. That's 1.8× below the Clay County median ($85,800); 3.5× below the Arkansas median ($166,840). Market is warm. Vacancy rate 13.8%. New construction makes up 0.9% of stock. A municipal building code is in effect.
- 1.3× annual income — home value vs. household income (vs Arkansas 2.7×).
- 6.9 years to break even renting at the median (vs Arkansas 16y).
- 4-BR rent is 1.9× a studio — rent gradient by unit size.
- Median rent 34% below HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $47,800 — 0.3× the Arkansas median ($166,839). Median rent $575/month. homeownership rate 82.9% — above the U.S. share of ~65%.
| Affordability · Home Price To Income | 1.3× |
|---|---|
| Affordability · Home Affordability | affordable |
| Affordability · Rent Pct Income | 21.0% |
| Affordability · Rent Affordability | affordable |
| Affordability · Pct Severely Rent Burdened | 14.3% |
| Affordability · Poverty Rate | 11.3% |
| Affordability · Property Tax Pct Income | 0.7% |
| Fair Market Rent · Studio rent | $658 |
| Fair Market Rent · One-bedroom rent | $671 |
| Fair Market Rent · Two-bedroom rent | $880 |
| Fair Market Rent · Three-bedroom rent | $1,191 |
| Fair Market Rent · Four-bedroom rent | $1,240 |
| Fair Market Rent · HUD FMR area | Clay County, AR |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $56,318 |
| Median Home Value | $47,800 (vs Arkansas $166,840) |
| Median Rent | $575 (vs Arkansas $859) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023, B25077 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Tenure & Occupancy
Owner-occupied vs renter-occupied housing units, plus vacancy rates.
| Housing Market · Market temperature | warm |
|---|---|
| Housing Market · Vacancy rate | 13.8% |
| Housing Market · New construction (% of stock) | 0.9% |
| Housing Market · Price Appreciation 2Yr | 24.2% |
Utilities
Electricity, water, and broadband infrastructure serving residents. Broadband percentages reflect the share of premises that can subscribe to service at the listed speed (FCC Form 477).
Systems (5)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 86.9% |
| Broadband · Broadband-capable premises | 130 |
| Electricity · Electricity rate (¢/kWh) | 12.32¢/kWh |
| Electricity · Customers | 1,476,944 |
| Electricity · Revenue Millions | $2,289 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0% |
| Mobile Broadband · 4G mobile coverage | 100% |
| Mobile Broadband · 5G mobile coverage | 100% |
| Mobile Home Parks Detail · County total | 1 |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · HIFLD / IRS BMF · Refreshed 2026-04-12
Other
| Homeownership Rate | 82.9% |
|---|---|
| Median Year Built | 1964 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12