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Natural Beauty, Water Recreation
and Affordable Living Draw Retirees to Mountain Home, Arkansas
Cost of Living: Below the National Average
| Tucked away in the section of
north-central Arkansas known as the Twin Lakes Area,
Mountain Home (population 11,500) is an uncrowded,
casual place that attracts retirees in search of a
friendly, small town atmosphere, low crime rates, mild
weather, a below-average cost-of-living and affordable
housing. The Ozark Mountains provide plenty of
lush, green scenery, and the two large sparkling lakes (Norfork and Bull Shoals) between which Mountain Home
sits entice water-lovers to spend their days fishing,
boating, water skiing and just soaking up the lake
atmosphere. This is a wonderful retirement spot
for those who love the outdoors; in fact, 21% of those
residing here are age 45 to 64, and 36% are age 65 years
of age or better.
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The median home price in Mountain Home is
$160,000, well below the national average. Many
modest, ranch-style homes in the 1,200 square foot range
with two bedrooms and one to two baths are available in the
low-$100,000s, and some can be found for less. These
are not fancy, but they are comfortable. The median
price of $160,000 will fetch a ranch-style home with roughly
1,600 square feet, a large yard, three bedrooms, two baths
and a two car garage, which may be detached. The
neighborhood will be fairly average but nicely kept with
lots of trees. Homes in the $200,000 range will
usually have another 500 or so square feet and some upgrades
including hardwood floors, an attached garage, vinyl siding,
a workshop, etc. or be in the 1,600 square foot range but in
a little nicer neighborhood. $300,000 homes may be
newer, built of brick, have 2,500 square feet, four
bedrooms, three baths, maple cabinets, granite countertops,
9-foot ceilings and be found outside of town on acreage.
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Property is taxed at $37.40 per $1,000 of assessed value, and
homes are assessed at 20% of market value. The annual taxes
on a $160,000 home would be $1,196. Many homes have
been built without much adherence to codes, so it is important to
have a good realtor when thinking of buying property. There
are a number of apartment complexes in town, but we were unable to
find any apartments for lease at this writing. Mountain Home
has nine manufactured home communities, including one, Glenbriar
Mobile Home Park, that is geared to seniors.
To see a list of foreclosures in Mountain Home, click
here (use zip code 72653).
This area is also well-known for its outdoor recreation.
Clean, clear Norfork Lake, 15 minutes east of Mountain Home, has
550 miles of undeveloped shoreline and is a popular vacation spot
for tourists, but the lake is large enough to easily accommodate
all who come to enjoy its beauty. Fishermen are on the water
year-round because the lake does not freeze, and both largemouth
and smallmouth bass, white bass, stripers, hybrid bass, crappie,
bream, walleye and catfish are plentiful.
Norfork Lake is known for its outstanding underwater visibility
and draws scuba divers from around the country; dives to 195 feet
below the surface are particularly appealing. Scuba
shops dot the shore for retirees wanting to try an underwater
adventure. For those who would rather stay dry, nearby
wildlife management areas are open to the public and give amateur
naturalists and birders an excellent place to engage in their
pursuits.
Mountain bikers and day hikers enjoy some 16
miles of stacked loop trails along the lake shore. These
well maintained trails were built for off road mountain biking but
hikers are also welcome. Trails lead through several
different eco systems including both hardwood and pine forests.
Level of difficulty ranges from beginner to intermediate.
These trails are the place to be during the autumn months when the
hillsides turn delicious shades of red, orange and maroon.
Within 45 minutes of Norfork Lake is some of the
most beautiful scenery in the Ozarks. The Sylamore District of the
Ozark National Forest offers thousands of acres of Ozark wilderness
where walkers find many flat, abandoned logging roads. These
old roads give birders, photographers and hikers easy access to
creeks, oak/hickory/pine forests and interesting karst geology
formations. Wildflower enthusiasts can explore Cliffty
Canyon Special Interest Botanical Area, a large tract of Ozark
ecosystem set aside due to its rare wild plants and wildflowers.
The Sylamore also has some 100 caves, many of which are open to
the public provided strict guidelines are followed.
The other large lake in this area, Bull Shores,
has nearly 1,000 miles of shoreline and also provides nearly
year-round opportunities for scuba diving, water skiing, camping
and fishing (the best fishing is in March, April and May).
Marinas along the lake rent boats and guides as
desired.
Four nearby rivers, White River, Buffalo River, North Fork
River and Crooked Creek, provide further fishing venues. The
area also has three golf courses, including the Big Creek Golf and
Country Club that is spread across 200 verdant acres.
Mountain Home shopping is adequate but high-end stores are not
plentiful.
Mountain
Home, Arkansas, Continued...
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