Is $100,000 a good salary in Arkansas?

$100,000 in Arkansas provides a monthly take-home of approximately $6,206 after taxes. Across major Arkansas cities, this salary is rated very comfortable, with an average monthly surplus of $4,459.

What is the cost of living on $100,000 in Arkansas?

The average monthly living cost across major Arkansas cities is approximately $1,747 for a single adult (rent, food, transport, utilities, healthcare). On $100,000 take-home pay of $6,206/month, you would have roughly $4,459/month remaining.

Living in Arkansas · 2026

Is $100,000 enough to live in Arkansas?

Single adult · AR · 2026 tax brackets · Real cost-of-living data

Statewide verdict:Very comfortable

Monthly take-home

$6,206

Avg monthly expenses

$1,747

Avg monthly surplus

$4,459

Savings potential

~72%

After-tax take-home in Arkansas

Gross salary$100,000

Federal income tax− $13,354

State income tax− $4,530

Social Security− $6,200

Medicare− $1,450

Annual take-home$74,466

Effective tax rate25.53%

How $100,000 feels in Arkansas cities

Rent: HUD FMR 2026 · Food: USDA Low-Cost Plan × COL · Transport/Utilities/Healthcare: BLS CES × COL

Little Rock

COL index: 0.83× national avg

Very comfortable

Rent (1BR)

$900

Food

$383

Transport

$145

Utilities

$137

Healthcare

$166

Total: $1,731/mo

Surplus: $4,475/mo

Rent burden: 14.5% — Affordable (< 25%)

Full Little Rock analysis →

Fort Smith

COL index: 0.77× national avg

Very comfortable

Rent (1BR)

$780

Food

$370

Transport

$135

Utilities

$127

Healthcare

$154

Total: $1,566/mo

Surplus: $4,640/mo

Rent burden: 12.6% — Affordable (< 25%)

Full Fort Smith analysis →

Fayetteville

COL index: 0.91× national avg

Very comfortable

Rent (1BR)

$1,050

Food

$396

Transport

$159

Utilities

$150

Healthcare

$182

Total: $1,937/mo

Surplus: $4,269/mo

Rent burden: 16.9% — Affordable (< 25%)

Full Fayetteville analysis →

Springdale

COL index: 0.89× national avg

Very comfortable

Rent (1BR)

$1,020

Food

$392

Transport

$156

Utilities

$147

Healthcare

$178

Total: $1,893/mo

Surplus: $4,313/mo

Rent burden: 16.4% — Affordable (< 25%)

Full Springdale analysis →

Jonesboro

COL index: 0.80× national avg

Very comfortable

Rent (1BR)

$850

Food

$374

Transport

$140

Utilities

$132

Healthcare

$160

Total: $1,656/mo

Surplus: $4,550/mo

Rent burden: 13.7% — Affordable (< 25%)

Full Jonesboro analysis →

Conway

COL index: 0.82× national avg

Very comfortable

Rent (1BR)

$880

Food

$378

Transport

$144

Utilities

$135

Healthcare

$164

Total: $1,701/mo

Surplus: $4,505/mo

Rent burden: 14.2% — Affordable (< 25%)

Full Conway analysis →

50 / 30 / 20 Budget Planner

Based on your monthly take-home of $6,206 ($74,472/yr)

Needs 50%Wants 30%Savings 20%

Needs50%

$3,103

per month

›Rent / mortgage
›Groceries
›Utilities
›Insurance
›Minimum debt payments
›Transportation

Wants30%

$1,862

per month

›Dining out
›Streaming services
›Gym
›Hobbies
›Travel
›Shopping

Savings20%

$1,241

per month

›Emergency fund
›401(k) / IRA
›Investments
›Down payment fund
›Debt payoff (extra)

Needs / year

$37,236

Wants / year

$22,342

Savings / year

$14,894

Salary Intelligence

Excellent salary in Little Rock

At $100,000, housing costs only 15% of take-home income — well below the 25% threshold. This leaves strong room for savings, discretionary spending, and wealth building.

Lifestyle score: 8.4/10 (Very Good)

Lifestyle Assessment

A $100,000 salary comfortably supports a very good single lifestyle in Little Rock, Arkansas, with approximately $4,475/month (~72% of take-home) available for savings — meeting or exceeding the recommended 20% savings rate.

Purchasing Power

Due to Little Rock's low cost of living (index: 0.83), $100,000 here has the purchasing power of roughly $222,892 in San Francisco or $234,940 in New York City. Your dollar goes significantly further here.

State & National Benchmark

$100,000 is 221% above the Arkansas individual median of $31,200 and 79% above the US national individual median of $56,000. This is a top-quartile income in this state.

State individual median

$31,200

+221%

State household median

$52,528

+90%

Tax reduction strategies

Maximize 401(k) Contributions — Up to $5,170 in federal tax (22% bracket)

401(k) Age 50+ Catch-Up Contribution — Up to $2,775 additional tax savings (37% bracket)

$100,000 vs. Arkansas income benchmarks

Individual median (Arkansas)

$31,200

+221% vs. this salary

Household median (Arkansas)

$52,528

+90% vs. this salary

Source: US Census Bureau ACS 2023

Related salary insights

Explore other salary levels in Arkansas

$40,000 $60,000 $100,000 $150,000 $200,000 $300,000

Reviewed by

Finance Editor

CPA, 10+ years in personal finance

Data Sources

•Tax calculations: IRS federal tax tables
•Rent data: HUD Fair Market Rents
•Cost-of-living index: C2ER / ACCRA Cost of Living Index

Data updated monthly using government datasets.