The typical owner-occupied home in Bella Vista is worth about $464,300, 37% below the California median of $734,700 and 40% above the national median of $332,700. Owners pay a median $3,654 a year in property taxes, about 0.79% of their home's value, higher than the California rate of 0.70%. The median household earns $90,566 a year, so the median home costs 5.1 times the median income (7.4 times for California). 86% of occupied homes here are lived in by their owners, and 62% of those owners still have a mortgage.
Bella Vista at a glance
| Bella Vista | California | U.S. | |
|---|---|---|---|
| Median home value | $464,300 | $734,700 | $332,700 |
| Median property tax paid per year | $3,654 | $5,124 | $3,119 |
| Property tax as a share of value | 0.79% | 0.70% | 0.94% |
| Median household income | $90,566 | $99,122 | $80,734 |
| Homes lived in by their owners | 86% | 56% | 65% |
| Owner homes with a mortgage | 62% | 67% | 61% |
| Median monthly costs, owners with a mortgage | $2,748 | $2,946 | $1,963 |
| Those costs as a share of the owners' income | 24.8% | 24.8% | 21.0% |
| Median rent | – | $2,036 | $1,413 |
| Rent as a share of renters' income | 36.5% | 32.8% | 30.6% |
| Median year homes were built | 1986 | 1976 | 1980 |
| Vacant homes | 5.5% | 7.5% | 10.1% |
| Population | 4,511 | 39,287,377 | 334,922,499 |
What a typical home costs per month in Bella Vista
At this week's average 30-year rate of 7.11%, buying the median Bella Vista home of $464,300 with 20% down costs about $2,998 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,771, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $128,478 for the 20%-down payment. That payment is 40% of the median Bella Vista household income of $90,566; at that income and 20% down, the 28% guideline points to a home of about $327,000.
| Down payment | $92,860 |
|---|---|
| Loan amount | $371,440 |
| Principal and interest | $2,499 |
| Property taxes (0.79% a year) | $306 |
| Homeowners insurance (our estimate, 0.5% a year) | $193 |
| PMI | $0 |
| Total per month | $2,998 |
Change the numbers in the calculator
| Down payment | $16,250 |
|---|---|
| Loan amount | $455,890 |
| Principal and interest | $3,067 |
| Property taxes (0.79% a year) | $306 |
| Homeowners insurance (our estimate, 0.5% a year) | $193 |
| FHA mortgage insurance | $205 |
| Total per month | $3,771 |
Change the numbers in the calculator
Questions about home buying in Bella Vista
What is the median home value in Bella Vista?
About $464,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Bella Vista?
Homeowners pay a median $3,654 a year, which is about 0.79% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Bella Vista?
For the median home with 20% down at 7.11%, the payment is about $2,998 a month. Keeping that under 28% of gross income takes about $128,478 a year.
More about Bella Vista
- Mortgage Refinance in Bella Vista
- Debt Relief in Bella Vista
- Home Equity Loans in Bella Vista
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data