Arkansas · Fayetteville-Springdale-Rogers, AR metro area

Buying a home in Springdale, Arkansas

In Springdale, the median value of owner-occupied homes is $261,800, Washington County's effective property tax rate is 0.52%, a purchase mortgage carried a median $4,745 in total loan costs in 2025, and median gross rent is $1,071 a month.

Data as of : Census ACS 2020-2024, Census Vintage 2024, HMDA 2025, HUD FY 2027. Sources

Springdale home costs, fact by fact

About Springdale

Springdale lies in the Fayetteville-Springdale-Rogers, AR metro area, which ranks 96th nationally. Washington County's effective property tax rate (median tax as a share of home value) is 0.52%, median gross rent is $1,071 a month, and HUD's two-bedroom Fair Market Rent is $1,256.

Reading the Springdale figures

Springdale's owner-estimated median of $261,800 is higher than the Arkansas median of $228,400. Fayetteville reads $349,600, Little Rock $236,400, and Fort Smith only $178,100, so the city falls in the middle of those names. Washington County's 0.52% rate leaves annual property tax at $1,564, and the county's median home is valued at $298,400, which is above the city's own estimate.

The rent side stays modest, and Fort Smith, at $884 a month, is lower still. Typical rent of $1,071 a month, is level with Fayetteville's $1,065 and under Little Rock's $1,106. HUD's Fair Market Rent benchmark is $1,256, a federal reference and not a market median. Owners occupy 53.4% of homes, a share shown by Fort Smith as well and above Fayetteville's 41.8%. County HMDA filings for 2025 total 2,665 loans, with an origination outlay of $4,745 at the middle and an interquartile range from $3,233 to $8,206, so the top of the range sits well above the median, and a buyer comparing offers should ask which end of that range applies.

Calculate for Arkansas

If you buy

Arkansas state transfer tax

Real property transfer tax (documentary stamps): $3.30 per $1,000 of actual consideration, on transactions above $100. Change the price: the amount is recalculated instantly.

Price$228,400
State transfer tax$753.72
Share of the price0.33% of the price
Who paysSet by the purchase contract

Default price: the Arkansas median value of owner-occupied homes, $228,400 (Census ACS 2025). Rule: Price divided by 1,000, times $3.30. Applies only when consideration exceeds $100. The pages read do not say how prices that are not multiples of $1,000 are rounded. Who pays: The DFA pages read do not say whether buyer or seller bears the tax; the contract allocates closing costs. Not included: county and city transfer taxes, recording fees, title insurance and lender charges. Arkansas transfer tax guide · all 50 states.

If you sell

Capital gain and the federal tax on it

Same federal rule in every state: Section 121 of the Internal Revenue Code excludes up to $250,000 of gain on a main home ($500,000 for a married couple filing jointly).

Capital gain$350,000
Section 121 exclusion$250,000 (limit $250,000)
Taxable gain$100,000
Type of gainLong-term (owned over 1 year), 15% chosen
Federal tax on the gain$15,000

Section 121 excludes $250,000; the rest is taxable.

Gain = sale price minus your adjusted basis (purchase price, buying costs and improvements); selling expenses reduce it (IRS Publication 523). Long-term rates for sales in 2026, by taxable income including the gain (IRS Rev. Proc. 2025-32, section 4.03): 0% up to $49,450 single or $98,900 married filing jointly, 15% up to $545,500 single or $613,700 jointly, 20% above. Not included: Arkansas state income tax on the gain (not computed), the net investment income tax, depreciation recapture on a rental or home office, and the reduced exclusion for an early sale. Agent commissions are negotiated and never set by law. Capital gains on a home sale.

Questions about buying a home in Springdale

How much is property tax in Springdale?

Homeowners in Washington County pay a median $1,564 a year in property tax, 0.52% of the county median home value of $298,400 (Census ACS 2020-2024). Your bill depends on your assessed value and local rates.

What are closing costs on a mortgage in Springdale?

Home-purchase mortgages in Washington County carried median total loan costs of $4,745 in 2025; half of the 2,665 loans fell between $3,233 and $8,206 (HMDA). Total loan costs are the lender and settlement-service charges of the Closing Disclosure; transfer taxes and prepaid items come on top.

Is there a transfer tax when you buy a home in Springdale?

Arkansas charges a state real property transfer tax of $3.30 per $1,000 of actual consideration on transactions above $100, which is $660 on a $200,000 sale. It is paid by buying documentary stamps for the deed.

Is it cheaper to rent or buy in Springdale?

It depends on your mortgage rate, down payment and how long you stay. As a benchmark, the median value of owner-occupied homes in Springdale ($261,800) equals 20.4 years of the median gross rent ($1,071 a month), both from Census ACS 2020-2024.

Run your own numbers: rent vs buy calculator · closing costs calculator.

Arkansas rules that apply in Springdale

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Sources

Arkansas · All states · Federal guides