Bay, AR vs Black Rock, AR
There is a significant gap in the cost of living between these two cities. Black Rock is 18.7% cheaper than Bay. With a cost index of 59 vs 70, the difference would have a meaningful impact on a household's monthly budget. Someone relocating from Black Rock to Bay should plan for substantially higher expenses across most categories.
On the housing front, median rent in Bay is $1,013/month compared to $760/month in Black Rock — a 33% difference. Home values follow the same pattern: Black Rock is more affordable at $68,300 median vs $109,000.
Median household income in Bay is $58,000 compared to $59,531 in Black Rock (-2.6%). Black Rock offers a double advantage: higher earnings combined with a lower cost of living, giving residents significantly more purchasing power. Looking at affordability, residents of Bay spend roughly 21% of their income on rent, more than the 15.3% in Black Rock.
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Rent by Bedroom Size
HUD Fair Market Rent (FY 2026) — metro area average
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