Rent vs buy in Rogers, AR
In Rogers, Arkansas, the typical rent is $1,528 /mo and the typical home is $382,206.
Renting comes out ahead by $59k over 7 years
Using Rogers's typical rent, its typical home value, 20% down and the mortgage rate today. No break-even point within 30 years.
Clearly labelled opinion, with the math shown. These are estimates, not quotes. The stamp shifts whenever you change a number.
- Renting leads by
- $59k after 7 years
- Break-even point
- 30 years or more owning never catches up sooner
- Real cost of owning
- $3,235 a month year 1, against $1,528 rent
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The stamp uses Rogers's typical rent, plus the typical home value. Your own rent, price and years can flip the result.
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In Rogers, is renting or buying cheaper?
Counting what you get back when you sell, renting costs $59,431 less over 7 years. In every year shown, renting's net cost sits below owning's, and owning never catches up within 30 years.
Rent Owning a home. Net cost by year so far
Average rent compared with the mortgage payment in Rogers
Rent and mortgage payments don't tell the whole story. Every monthly cost for year 1 appears at Rogers's typical price.
| Each month, year 1 | Amount | What it is |
|---|---|---|
| Rent | $1,528 | All of it, every month |
| Mortgage payment | $2,084 | $1,837 of it is interest in year 1 |
| Property tax | $162 | 0.51% of the value a year |
| Insurance | $137 | Census median for the city |
| Upkeep | $319 | 1% of the value a year |
| Owning, cash out | $2,702 | $247 of it builds equity |
| Lost return on the down payment | $621 | The return on that cash at 8.3% a year |
| Buying costs, spread out | $159 | 3.5% of the price over 7 years |
| True cost of owning | $3,235 | Cash out with the equity part taken out, plus the two lines above |
The math behind the Rogers verdict
- Typical home valueZillow data: ZHVI, September 2026
- $382,206
- Typical rentZillow data: ZORI, September 2026
- $1,528 a month
- Down payment: a 20% payment avoids private mortgage insurance, and the engine does not model it
- 20%
- Mortgage rateFRED MORTGAGE30US, Freddie Mac Primary Mortgage Market Survey
- 7.24%
- Growth in home pricesFHFA house price index for Arkansas, 1995 to 2025
- 3.8% per year
- Rent growthYearly growth in CPI rent of primary residence, 2006 to 2026
- 3.5% per year
- Savings return60% S&P 500, dividends included, plus 40% 10-year Treasuries, 1928 to 2025, rebalanced yearly
- 8.3% each year
- Property taxesCensus ACS 2020-2024, Rogers
- 0.51% of the value
- Home insurance, from Census ACS 2020-2024, Rogers
- $137 per month
- Upkeep Fannie Mae, 1% to 4%, low end
- Each year, 1% of value
- Cost of buying Freddie Mac, 2% to 5%, middle
- 3.5% of the purchase price
- Costs of selling Agent commission plus closing costs
- 6% of the price
What would flip the result in Rogers?
Each line marks the point at which the 7-year verdict in Rogers flips, with everything else left as it is.
When renting wins
- Home prices grow at less than 5.7% a year; the 3.8% we use is Arkansas's long-run pace.
- The rate on a mortgage stays above 4.46%.
- Less than $2,160 a month is what a home like this rents for (typical here: $1,528).
- If you move at any time in the next 30 years, owning doesn't catch up at these numbers.
When buying wins
- Home prices rise by more than 5.7% each year.
- Today's mortgage rate is 7.24%, and you lock one below 4.46%.
- For the same home, renting would cost you over $2,160 a month.
How Rogers compares with the other 812 cities
| Measure | Rogers | Median city |
|---|---|---|
| Typical home value | $382,206 | $422,451 |
| Typical rent | $1,528 /mo | $1,837 /mo |
| Price-to-rent ratio | 20.8 (#293 of 813) | 18.5 |
| Home prices, last 10 years | 8.1% a year | 6.2% a year |
| Rents, last 5 years | 5.8% a year | 4% a year |
| Property tax | 0.51% | 0.87% |
| Households that rent | 43% | 42% |
Data sources: Zillow's ZHVI and ZORI, Census ACS 2020-2024.
Other Arkansas cities
- Rent. Little Rock, AR. Renting comes out ahead by $15k.
- Rent. Fayetteville, AR. Renting comes out ahead by $54k.
- Rent. Fort Smith, AR. Renting comes out ahead by $9k.
- Rent. Springdale, AR. Renting comes out ahead by $46k.
- Rent. Jonesboro, AR. Renting comes out ahead by $8k.
- Rent. Conway, AR. Renting leads by $13k.
- Buy. North Little Rock, AR. Here, buying leads by $7k.
- Rent. Bentonville, AR. Renting comes out ahead by $109k.