1st Advantage MortgageRogers, AR DSCR loans work like they do elsewhere: the lender divides the property's rent by its full monthly payment. The local inputs are a median gross rent of $1,270, median real estate taxes of $1,565 and a renter share of 43%.
Local data for Rogers investors
For Rogers, the latest five-year ACS shows a median gross rent of $1,270 (well above the Arkansas median of $947) and a median owner-occupied value of $308,200 (well above the Arkansas median of $188,000). A quick screen: twelve months of Rogers median rent over its median home value equals 4.9%, a lean ratio that leaves little room for taxes, insurance and dues. Use it to compare markets, then replace it with real rent evidence for the address.
| Indicator | Arkansas | Rogers | Difference |
|---|---|---|---|
| Persons per household | 2.46 | 2.76 | |
| Share in 2-4 unit buildings | 6.5% | 6.9% | +7% |
| Long commuters, 45 min plus | 11.4% | 4.3% | -62% |
| Degree holders, age 25+ | 25.7% | 34.4% | +34% |
| Workers on their own account | 10.4% | 10.0% | -4% |
| Renters paying 30%+ of income | 44.8% | 36.5% | -19% |
| Units sitting vacant | 13.5% | 8.1% | -40% |
| Typical construction year | 1987 | 1998 | |
| Annual rent divided by value | 6.0% | 4.9% | -18% |
| Households that rent | 33.6% | 42.8% | +27% |
| Tax as a share of home value | 0.55% | 0.51% | -8% |
| Annual property tax bill, median | $1,040 | $1,565 | +50% |
| Household income, median | $60,773 | $86,728 | +43% |
| Typical owner-occupied value | $188,000 | $308,200 | +64% |
| Residents (Census estimate) | 3,049,391 | 72,981 |
About 42.8% of occupied homes in Rogers are renter-occupied, well above the Arkansas median of 34%, a balanced mix of owners and tenants. The median household brings in $86,728 (well above the Arkansas median of $60,773), with 36% of renters paying 30 percent or more of income toward rent.
Housing stock and vacancy in Rogers
Detached single-family homes make up 65% of the housing units in Rogers, so most rentals here compete as houses, and rents follow neighborhood and school boundaries more than building type. Newer housing (median year built 1998) keeps repair budgets lighter, though competing new-build rentals can cap what a landlord can charge.
Vacancy is a quiet driver of rent. 8% of homes are vacant citywide and 4.5% of the rental inventory was listed for rent when the Census surveyed.
Underwriting angles in Rogers
With only 4.9% gross yield, Rogers buyers often rely on appreciation as part of the plan, and a lender will want the ratio to clear without it. With newer homes common (median built 1998), insurers tend to be friendlier, though competing new rentals can cap rent. A 43% renter share is large enough to keep units leased, so location relative to jobs and schools drives rent more than the market as a whole.
The payment side of the Rogers ratio
Tax drag is easy to underestimate. Rogers owners report a median $1,565 in annual real estate taxes, well above the Arkansas median of $1,040, an effective 0.51% of median home value. Measured against a year of median rent, taxes eat about 10% before any other cost shows up.
For hazards, FEMA's National Risk Index puts Benton County at a relatively moderate overall rating, and its top-ranked hazards are ice storms (very high), winter weather (relatively high) and lightning (relatively high).
| Hazard in Benton County, FEMA index | Level |
|---|---|
| Strong wind exposure | Relatively High |
| Lightning exposure | Relatively High |
| Winter weather exposure | Relatively High |
| Ice storms exposure | Very High |
| Social vulnerability score | Very Low |
| Annualized loss estimate | Relatively Moderate |
| Composite risk | Relatively Moderate |
In Benton County, as anywhere, the premium is part of PITIA, which means a quote with the roof, age and flood zone of the actual Rogers address belongs in your file early.
Rent math for Rogers buyers
The quick test for Rogers: rent of $1,270 divided by a 1.25 ratio allows a total payment of $1,016, and subtracting $130 in monthly taxes leaves $886 for the loan, insurance and dues. At 1.00 the allowance is the full $1,140.
Rental rules for Rogers, AR
Before you underwrite a Rogers rental, confirm with city hall and Benton County whether landlords must register, pass an inspection or hold a permit, especially for stays under 30 days, because those rules can change what income a lender will count. If you are weighing nightly income in Rogers, the state tax backdrop is this. Arkansas adds a state tourism tax on transient lodging to its sales tax, with local taxes on top, and marketplaces such as Airbnb generally collect the state taxes for bookings they process while hosts answer for local taxes the platform does not collect.
After move-out, the Rogers owner has 60 days to return the deposit or account for deductions.
Rogers next to nearby cities
Prices in the comparison range from $221,700 in Siloam Springs to $428,500 in Bentonville, with Rogers at $308,200.
| Market | Renter share | Tax bill | Home value | Residents | Rent |
|---|---|---|---|---|---|
| Siloam Springs | 41% | $1,393 | $221,700 | 18,699 | $1,003 |
| Fayetteville | 58% | $1,946 | $349,600 | 99,319 | $1,065 |
| Springdale | 47% | $1,430 | $261,800 | 88,160 | $1,071 |
| Bentonville | 50% | $2,871 | $428,500 | 58,249 | $1,344 |
| Rogers | 43% | $1,565 | $308,200 | 72,981 | $1,270 |
Who rents in Rogers
The self-employed share of the workforce is 10.0%, and those owners tend to be exactly the buyers DSCR financing was built for. Around the edges, government workers are about 7% of employment, 34% of adults hold a bachelor's degree or higher and 4% of commuters travel 45 minutes or more.
Colleges tied to Rogers include Bryan College, University of Arkansas, Northwest Arkansas Community College and John Brown University, and campus-adjacent streets often rent to students and staff on a school-year rhythm. Transportation links include air service through Rogers Municipal Airport and Northwest Arkansas National Airport. Easy highway and air access helps both tenant commutes and remote ownership.
From a Rogers listing to a loan
Gather the lease or rent estimate, the tax estimate and an insurance quote for the Rogers address, check them in the calculator, and begin your application or get a quote first.
More Arkansas markets
- All Arkansas DSCR loans
- DSCR loans in Bentonville, AR
- DSCR loans in Springdale, AR
- DSCR loans in Fayetteville, AR
- DSCR loans in Siloam Springs, AR
- Every market we cover
Sources
- Wikipedia article, Rogers, Arkansas
- Arkansas security deposit statute (Ark. Code 18-16-303, 18-16-304, 18-16-305, 18-16-306)
- State rule cited for Rogers hosts: Arkansas DFA, sales and use tax rates
- American Community Survey tables, Arkansas
- FEMA risk data used for Rogers
Numbers for Rogers come from the Census Bureau's 2020 to 2024 ACS and are survey estimates. Landlord rules for Rogers rest on Arkansas statutes and the CC BY 4.0 RedFlagLease dataset. Verified October 2026. Ordinances and statutes change, so confirm before acting.
Quick file checklist
For a Rogers rental, request the current lease, the last tax bill and the insurance declarations page early, and confirm which utilities the tenant pays, because each one changes the monthly figure a lender compares with the rent.
DSCR loan availability varies by property and lender program and is not an offer to lend. See our disclosures.
Frequently asked questions
What rent do DSCR lenders use for a Rogers rental?
It comes from a lease or from the market rent in the appraisal, whichever the program uses. Against that, the Rogers median is $1,270.
How is the DSCR figure built for a Rogers property?
Taxes, insurance and dues are inside the payment the lender tests. Run $1,270 through a 1.25 ratio and the ceiling is about $1,016; subtract $130 for median taxes and $886 remains.
Are Rogers property taxes high for Arkansas?
Rogers owners report a median $1,565 in annual real estate taxes, an effective 0.51% (Arkansas: 0.55%). Your own bill depends on the assessed value after purchase.
What about VRBO or Airbnb income on a Rogers purchase?
Possible where lender guidelines allow it, subject to Rogers and Benton County rules and to the building's association. Lenders usually average a year of bookings and discount the result.
How much deposit can a Rogers landlord collect?
Return is due within 60 days after the tenant leaves. The governing section is Ark. Code 18-16-303, 18-16-304, 18-16-305, 18-16-306.
How exposed is Rogers to natural hazards?
The National Risk Index gives the county an overall relatively moderate rating. Use that as a prompt to get quotes, not as a verdict on one Rogers street.
Should a Rogers rental be bought in an LLC?
It is optional. Lenders will close in a properly formed LLC and generally want the members to guarantee. Ask your accountant how a AR entity would be taxed.