Rent vs buy in Springdale, AR
In Springdale, Arkansas, the typical rent is $1,436 /mo and the typical home is $337,811.
Over 7 years, renting comes out ahead by $46k
Today's mortgage rate and 20% down are included alongside Springdale's typical rent and home value. The break-even point lands in year 25.
An opinion, clearly labelled, with the math shown. These are estimates, not quotes. Any number change alters the stamp.
- Renting has the lead
- $46k after 7 years
- Balance point
- Year 25 when owning catches up
- Actual cost of ownership
- $2,873 monthly year 1, against $1,436 rent
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For typical rent and home value figures, the stamp uses Springdale's data. You can flip the result with your rent, price and years.
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In Springdale, is renting or buying cheaper?
Counting the money returned when you sell, renting costs $45,769 less over 7 years. For the first 24 years, renting is the cheaper choice. In year 25, owning catches up.
Rent Owning Net cost to date, by year.
Average rent compared with the mortgage payment in Springdale
At Springdale's typical price, these are all monthly costs in year 1. Rent and mortgage aren't the whole story.
| Each month, year 1 | Amount | What it is |
|---|---|---|
| Rent | $1,436 | All of it, every month |
| Mortgage payment | $1,842 | $1,623 of it is interest in year 1 |
| Property tax | $155 | 0.55% of the value a year |
| Insurance | $123 | Census median for the city |
| Upkeep | $282 | 1% of the value a year |
| Owning, cash out | $2,401 | $218 of it builds equity |
| Lost return on the down payment | $549 | Annual return on the cash: 8.3% |
| Buying costs, spread out | $141 | 3.5% of the price over 7 years |
| True cost of owning | $2,873 | Cash paid, minus equity and plus both entries above |
Figures behind the result in Springdale
- Typical home valueZillow ZHVI, September 2026
- $337,811
- Typical rentZillow ZORI, September 2026
- $1,436 /mo
- Down payment20% avoids private mortgage insurance, which the engine does not model
- 20%
- Mortgage rateFreddie Mac Primary Mortgage Market Survey (FRED MORTGAGE30US)
- 7.24%
- Home price growthFHFA house price index, Arkansas, 1995 to 2025
- 3.8% a year
- Rent growthCPI rent of primary residence, yearly growth 2006 to 2026
- 3.5% a year
- Return on savings60% S&P 500 with dividends and 40% 10-year Treasuries, rebalanced yearly, 1928 to 2025
- 8.3% a year
- Property taxCensus ACS 2020-2024, Springdale
- 0.55% of value
- Home insuranceCensus ACS 2020-2024, Springdale
- $123 /mo
- MaintenanceFannie Mae, low end of 1% to 4%
- 1% of value a year
- Buying costsFreddie Mac, middle of 2% to 5%
- 3.5% of price
- Selling costsAgent commission plus closing costs
- 6% of price
What change in Springdale would flip the result?
Every line shows where the 7-year result changes for Springdale. All other figures stay as they are.
When renting comes out ahead
- Home prices grow at less than 5.4% a year. The 3.8% we use is Arkansas's long-run rate.
- A mortgage rate remains above 4.82%.
- A similar home rents for less than $1,930 each month (typical here: $1,436).
- Before year 25, you move.
When buying comes out ahead
- Home prices grow at an annual rate above 5.4%.
- You lock a mortgage rate under 4.82% (today's is 7.24%).
- For the same home, your rent would cost more than $1,930 a month.
- You remain in the home for 25 years or longer.
How Springdale compares with the other 812 cities
| Measure | Springdale | Median city |
|---|---|---|
| Typical home value | $337,811 | $422,451 |
| Typical rent | $1,436 /mo | $1,837 /mo |
| Price-to-rent ratio | 19.6 (#352 of 813) | 18.5 |
| Home prices, last 10 years | 8% a year | 6.2% a year |
| Property tax | 0.55% | 0.87% |
| Households that rent | 47% | 42% |
Sources: Zillow ZHVI and ZORI, Census ACS 2020-2024.
Cities in Arkansas besides Springdale
- Renting in Little Rock, AR wins by $15k.
- Renting in Fayetteville, AR wins by $54k.
- Renting in Fort Smith, AR wins by $9k.
- Renting in Jonesboro, AR wins by $8k.
- Renting in Rogers, AR wins by $59k.
- Renting in Conway, AR wins by $13k.
- Buying in North Little Rock, AR wins by $7k.
- For Bentonville, AR, renting leads by $109k.