Pine Bluff
Investment Analysis

Pine Bluff, AR
Investor Report

Comprehensive real estate investment analysis with cap rates, rental yields, and risk assessment.

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Investment Score
Strong Buy
Cap Rate (Est.)
5.5%
Gross Yield
9.2%
P/R Ratio
6.6x
YoY Growth
-4.0%
Median Home Price
$90,000
Average Rent (1BR)
$690/mo
Median Income
$41,250
Population
40,436

Investment Breakdown

80
Value Score
10
Growth Score
33
Safety Score
63
Afford Score

Pine Bluff has a price-to-rent ratio of 6.6x, which indicates buying is significantly better than renting.

The estimated cap rate of 5.5% is around the national average.

Year-over-year price growth of -4.0% suggests a cooling market.

Rental Cash Flow Analysis

Monthly Income

Gross Rent $690
Annual Gross $8,280

Est. Monthly Expenses

Property Tax (~1.5%) -$113
Insurance (~0.5%) -$38
Maintenance (~1%) -$75
Est. Net Cash Flow $465/mo

Price Forecast 2026–2028

🔮 Pine Bluff Price Forecast 20262028

Based on 5-year Zillow ZHVI trend analysis · Statistical projection
📈 Upward Trend
PROJECTEDNOW$70K2027$75K 7.7%2028$76K 8.9%20232024Now
$81K$66K
Current
$90K
2026
Projected
$75K
7.7% by 2027
Projected
$76K
8.9% by 2028
5yr CAGR:+1.8%
Confidence:Low
R²:0.18

For the Pine Bluff housing market forecast through 2028, the data paints a picture of a resilient but slow-moving affordability play. With a current median home price of $69,732 and a price-to-rent ratio of just 7.3x—far below the national average of 18x—the area remains a standout for cash-flow-focused investors and first-time buyers. Recent momentum has been soft, with a -4.4% year-over-year price change, but the 5-year CAGR of 1.9% suggests stability rather than decline. For those asking will Pine Bluff home prices drop, the low ratio and "A" risk grade indicate strong rental demand should cushion any further dips, especially with days on market holding steady at 35 days.

Looking toward Pine Bluff real estate Pine Bluff 2027, local economic factors will be key. The region’s reliance on agriculture and legacy manufacturing creates a steady but modest job base, which can limit rapid appreciation but also prevents boom-bust volatility. Affordability is the core strength here; with median rent at $690/mo, the market is positioned to attract renters priced out of larger metros, supporting landlord yields and potentially stabilizing prices. However, population growth has been stagnant, which caps upside. The market temperature score of 60/100 reflects a balanced environment—not overheated, not distressed—where patient buyers can find value without chasing momentum.

A balanced view for 2026–2028 suggests gradual recovery rather than explosive growth. The 5-year price range of $63,250 – $76,745 provides a clear corridor for expectations, and the "BUY" verdict is justified for those prioritizing cash flow and long-term holding. That said, appreciation will likely track closely with regional employment and population trends; without significant economic diversification, double-digit gains are unlikely. Investors should weigh the low entry point and strong rent yields against the modest growth trajectory. In short, Pine Bluff offers a stable, income-generating play for the risk-aware, but it is not a speculative bet on rapid price acceleration.

Projected Cap Rate (2027)
6.8%
5yr CAGR
+1.8%

Job Market

Unemployment 3.5%
National avg: 3.7%
Job Growth (YoY) +1.2%

Healthcare

65
Score
Below Avg

Risk Factors

High Crime Area
Declining Prices

Market Activity

Source: Redfin · 2026-01-31
Sale-to-List 92.8%
Months Supply 16.6
Price Drops 21%
Gone in 2 Wks 15%

Market Position

Affordability Below Avg
Safety Higher Risk

ROI Projector Estimate your total return

Adjust the sliders to model different investment scenarios for Pine Bluff.

Total ROI
8%
on $18,000 invested
Annual ROI
1.5%
compounded
Total Return
$1,351
appreciation + cashflow
Mo. Cash Flow
-$39
year 1 estimate
Equity Growth Over 5 Years
Y119kY220kY320kY421kY522k
Appreciation
$0
Cash Flow
$1,351
Final Equity
$22,219

* Estimates based on 0.0% annual appreciation, 3% rent growth, 5% vacancy. Does not include closing costs, tax benefits, or capital gains tax. For illustrative purposes only.

Rental Investment Calculator Estimate your monthly cashflow

Rental Income Estimator

Pre-filled for Pine Bluff

Property

Purchase Price$90,000
Monthly Rent$690
Down Payment20%

Financing

Interest Rate6.5%

Expenses

Property Tax1.2%
Insurance (Annual)$1,500
Maintenance Reserve1%
Vacancy Rate5%
Property Management0%
HOA (Monthly)$0
-$90
Monthly Cash Flow
-$1,075/ year
-6.0%
Cash-on-Cash
4.9%
Cap Rate

Monthly Breakdown

+ Rental Income$690
− Mortgage (P&I)$455
− Property Tax$90
− Insurance$125
− Maintenance$75
− Vacancy Loss$35
= Net Cash Flow-$90

Investment Summary

Down Payment
$18,000
Loan Amount
$72,000
Total Monthly Expenses
$780
Gross Yield
9.2%

Disclaimer: This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be made after consulting with qualified professionals. Data sources include Zillow, Census Bureau, and BLS. Cap rates and yields are estimates based on available data.

Last updated: March 2026