1st Advantage MortgageInvestors buying in Springdale, AR are measured on the rent the property earns. Locally, median gross rent is $1,071 and median real estate taxes are $1,430 a year, which together set how much loan a rent can carry.
Springdale rental market at a glance
A DSCR lender in Springdale is comparing a rent against a payment, and the citywide benchmarks are a median gross rent of $1,071 and a median home value of $261,800. The rent figure is about 13% above the Arkansas median of $947. Put the two medians together and Springdale shows a gross yield of 4.9%, a lean ratio that leaves little room for taxes, insurance and dues. Because the rent number covers apartments as well as houses, expect single-family rentals to land above or below it.
| Indicator | Arkansas | Springdale | Difference |
|---|---|---|---|
| Tax as a share of home value | 0.55% | 0.55% | -1% |
| Annual property tax bill, median | $1,040 | $1,430 | +38% |
| Household income, median | $60,773 | $69,787 | +15% |
| Typical monthly rent | $947 | $1,071 | +13% |
| Persons per household | 2.46 | 2.94 | |
| Share in 2-4 unit buildings | 6.5% | 11.5% | +78% |
| Share of homes detached | 70.0% | 64.3% | -8% |
| Long commuters, 45 min plus | 11.4% | 4.9% | -57% |
| Degree holders, age 25+ | 25.7% | 24.2% | -6% |
| Workers on their own account | 10.4% | 9.8% | -5% |
| Renters paying 30%+ of income | 44.8% | 38.5% | -14% |
| Units sitting vacant | 13.5% | 5.6% | -58% |
| Annual rent divided by value | 6.0% | 4.9% | -19% |
| Households that rent | 33.6% | 46.6% | +39% |
| Residents (Census estimate) | 3,049,391 | 88,160 |
Roughly 46.6% of occupied housing in Springdale is rented, well above the Arkansas median of 34%. Incomes matter for rent growth: the median household earns $69,787, about 15% above the Arkansas median of $60,773, and 39% of renters are already cost-burdened at 30 percent of income or more.
Housing mix and age in Springdale
With 64% of units detached, Springdale is a single-family market first. Investors mostly buy houses, and the rent evidence comes from similar houses nearby. With a median build year of 1994, newer houses and townhomes set the tone, and homeowner association rules matter more than deferred maintenance.
Use vacancy as a reality check: 6% of all units are vacant in Springdale, and the rental vacancy rate is 5.1%.
What the data means for Springdale buyers
Springdale's 4.9% rent-to-value ratio is on the lean side, so expect lenders to ask for more cash down on a typical single-family purchase and to scrutinize insurance and tax estimates closely. A newer stock in Springdale shifts the diligence toward HOA documents, leasing restrictions and builder warranties. With about 47% of households renting, Springdale has enough tenants to support investors without being dominated by them.
Carrying costs in Springdale
In Springdale the median tax bill for an owner-occupied home is $1,430, or about 0.55% of value (Arkansas overall: 0.55%). That bill is well above the Arkansas median of $1,040. That is about 11% of a year of median rent gone to taxes before the loan is even counted.
Insurance follows risk. FEMA's National Risk Index lists Washington County as relatively moderate overall, with ice storms (very high), winter weather (very high) and heat waves (relatively high) as the main drivers.
| Hazard in Washington County, FEMA index | Level |
|---|---|
| Tornadoes exposure | Relatively High |
| Heat waves exposure | Relatively High |
| Winter weather exposure | Very High |
| Ice storms exposure | Very High |
| Social vulnerability score | Relatively Low |
| Annualized loss estimate | Relatively Moderate |
| Composite risk | Relatively Moderate |
Insurance belongs in the ratio from day one, so get a landlord quote for the Springdale address and ask about roof age, wind or hail deductibles and flood cover.
Working the Springdale rent math
Try the math at the medians. With rent at $1,071 and taxes near $119 a month, a 1.00 DSCR leaves $952 for everything else in the payment, a 1.20 ratio leaves $773, and a 1.25 ratio leaves $738. Any real property will differ, but the exercise shows how little room insurance and dues can take.
Rental rules for Springdale, AR
Before you underwrite a Springdale rental, confirm with city hall and Washington and Benton Counties 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. Guests who book by the night in Springdale are taxed under state law as follows. 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.
The return clock runs 60 days from move-out in Arkansas, so Springdale landlords should keep move-in photos and repair receipts.
How Springdale stacks up against its neighbors
Among the nearby markets above, Siloam Springs has the lowest median home value at $221,700 and Bentonville the highest at $428,500, against $261,800 in Springdale.
| Market | Renter share | Tax bill | Home value | Residents | Rent |
|---|---|---|---|---|---|
| Siloam Springs | 41% | $1,393 | $221,700 | 18,699 | $1,003 |
| Bentonville | 50% | $2,871 | $428,500 | 58,249 | $1,344 |
| Rogers | 43% | $1,565 | $308,200 | 72,981 | $1,270 |
| Fayetteville | 58% | $1,946 | $349,600 | 99,319 | $1,065 |
| Springdale | 47% | $1,430 | $261,800 | 88,160 | $1,071 |
Tenants, jobs and anchors in Springdale
Self-employment accounts for 9.8% of Springdale's workforce, so many local investors earn income that a standard payroll-based mortgage underwrites poorly. On the workforce side, government workers are about 9% of employment, 24% of adults hold a bachelor's degree or higher and 5% of commuters travel 45 minutes or more.
The largest employers listed for Springdale include Tyson Foods, George's, Springdale Public Schools, Cargill Meat Solutions and Northwest Medical Center-Springdale. Large, stable payrolls like these tend to anchor rental demand near their job sites. Higher education in and around Springdale includes Northwest Arkansas Community College and Ecclesia College, which feeds demand for student, staff and faculty housing near campus. Access runs through interstate access via I-49 and air service through Springdale Municipal Airport and Northwest Arkansas National Airport, which shapes where commuters want to live and how long a showing takes.
Before you make an offer in Springdale
Bring the Springdale numbers to a loan officer: the rent, the taxes, the insurance and your reserves. Apply online or ask for a quote, and use the calculator to preview the ratio.
More Arkansas markets
- All Arkansas DSCR loans
- DSCR loans in Fayetteville, AR
- DSCR loans in Rogers, AR
- DSCR loans in Bentonville, AR
- DSCR loans in Siloam Springs, AR
- Every market we cover
References
- Background reading: Springdale, Arkansas
- Ark. Code 18-16-303, 18-16-304, 18-16-305, 18-16-306, the Arkansas deposit law
- Arkansas tax source: Arkansas DFA, sales and use tax rates
- Census ACS profile behind the Springdale figures
- FEMA county hazard table
The Springdale statistics are five-year ACS estimates (2020 to 2024), which have sampling error. RedFlagLease (CC BY 4.0) supplies the Arkansas landlord-tenant notes, and the statutes are linked. Checked October 2026; confirm with Springdale or the county before you rely on any rule.
DSCR loan availability varies by property and lender program and is not an offer to lend. See our disclosures.
Frequently asked questions
What rent number goes into a Springdale, AR DSCR calculation?
The property's own rent evidence decides: a lease, or the market rent from the appraisal. Citywide, Springdale renters report a median of $1,071.
Does the ratio in Springdale include taxes and dues?
The denominator is the whole housing payment. Using Springdale's median rent of $1,071, a ratio of 1.25 allows $857, and a ratio of 1.00 allows all $1,071.
How much real estate tax do Springdale homeowners pay a year?
The Census reports a median of $1,430 a year for Springdale owners, about 0.55% of median value against 0.55% for Arkansas. The county reassesses after a sale, so ask the tax office for an estimate on your purchase price.
What about VRBO or Airbnb income on a Springdale purchase?
Depending on the lender, yes, if the property may legally be used that way and income is documented. Confirm the local permit, association rules and Arkansas lodging taxes before you underwrite nightly income in Springdale.
Are there deposit limits for Springdale rentals?
A landlord has 60 days to return the deposit. Both come from Ark. Code 18-16-303, 18-16-304, 18-16-305, 18-16-306.
What does FEMA say about hazard risk near Springdale?
FEMA's index puts the county at relatively moderate overall. A lender cares about the premium and any flood requirement, which are address-specific in Springdale.
Should a Springdale 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.