Affordable

What Salary Do You Need to Live in Ratcliff?

To afford a 2-bedroom in Ratcliff, you need to earn at least $25,560/year based on estimated fair market rent data. The median household income here is $51,250, which means the typical resident is $25,690 above the threshold.

Census ACS Data Pop. 142

Salary Required by Bedroom Size

Bedroom	Monthly Rent	Monthly Income	Annual Salary	vs. Median
Studio	$447	$1,490	$17,880	$-33,370
1 Bedroom	$530	$1,767	$21,200	$-30,050
2 Bedroom BENCHMARK	$639	$2,130	$25,560	$-25,690
3 Bedroom	$780	$2,600	$31,200	$-20,050
4 Bedroom	$959	$3,197	$38,360	$-12,890

Affordability Breakdown

Where the required salary line crosses above Ratcliff's median income — housing becomes unaffordable for the typical resident.

Required Salary Median Income

Income vs. Rent Snapshot

Median Income

$51,250

Annual household

2BR Required Salary

$25,560

Under 30% rule

Income Gap

+$25,690

Surplus

Verdict

Affordable

Ratio: 15.0%

The 30% Rule Calculator

Enter your annual salary to see what you can afford in Ratcliff

Your Annual Salary

Pre-filled with Ratcliff's median household income

Max monthly rent you can afford$1,281

Studio

$447/mo

1 BR

$530/mo

2 BR

$639/mo

3 BR

$780/mo

4 BR

$959/mo

Your salary is $0 above the median income in Ratcliff.

Salary Comparison by Bedroom

Bars left of the marker line are affordable for Ratcliff's median earner. Bars to the right require above-median income.

Affordable Above Median Median Income

What This Means If You're Moving to Ratcliff

Ratcliff, Arkansas stands out as one of the more financially accessible housing markets in the state. The median household income of $51,250 significantly exceeds the $25,560 needed to comfortably afford a 2-bedroom at 30% of gross income — leaving a $25,690 annual surplus for savings, debt repayment, or lifestyle spending.

For remote workers or relocators evaluating Ratcliff, a studio at $447/month offers an even more aggressive savings rate. Even a 3-bedroom at $780/month remains accessible for dual-income households earning above $31,200.

To live comfortably with room for non-housing expenses, a break-even salary of approximately $38,340 would position you well — though many residents in Ratcliff manage on less given the favorable rent-to-income dynamics.

Economic Outlook

Local Job Market & Housing Dynamics

Affording rent isn't just about housing prices—it's heavily dependent on local employment opportunities and the strength of the job market in Ratcliff, Arkansas.

With a total population of 142, the city supports an active civilian workforce of 66 people. A strong employment base often indicates a stable economy, which is crucial when committing to a lease requiring a $25,560 annual salary. The ratio of employed residents to the total population provides insight into the local economic health and competition for both jobs and housing.

Employed Workforce

Active civilian employees in Ratcliff

Frequently Asked Questions About Renting in Ratcliff

What salary do I need to live in Ratcliff, Arkansas?

To afford a 2-bedroom in Ratcliff under the 30% rule, you need an annual salary of at least $25,560. The median household income in Ratcliff is $51,250.

Can I afford a 2-bedroom in Ratcliff on $51,250?

The affordability verdict for Ratcliff is "Affordable". The rent-to-income ratio is 15.0%, meaning median earners have a $25,690 surplus.

What is the average rent in Ratcliff compared to median income?

The median gross rent in Ratcliff is $530/month. With a median household income of $51,250, residents spend approximately 15.0% of their income on rent.

What salary do I need for a studio in Ratcliff?

A studio in Ratcliff rents for approximately $447/month. Under the 30% rule, you need an annual salary of $17,880 to afford this.

Is Ratcliff considered an affordable place to live?

Based on the surplus of $25,690 and an affordability verdict of "Affordable", Ratcliff is considered a affordable rental market when comparing the required 2-bedroom salary of $25,560 to the local median household income.

How Ratcliff Compares

Other cities in Arkansas with salary requirements