M
MortgageMath
Free mortgage calculators for every state

Mortgage Calculator &
Closing Costs: Springdale, AR

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Springdale, Arkansas.

Median Home Price
$265K
Population
84K
Avg Monthly Rent
$1,080
Property Tax Rate
0.62%
Springdale vs Arkansas Median
The median home price in Springdale is $265,000, which is 36% above the Arkansas state median of $195,000.

Mortgage Calculator — Springdale, AR

Pre-filled with Springdale median home price and Arkansas tax/insurance rates. Adjust for your property.

$
$53,000
%
%
years
AR avg
%
$
Monthly Payment (PITI)
$1,685
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,340
per month
Taxes & Insurance
$345
per month
Total Interest Paid
$270K
over 30 years
Total Loan Cost
$482K
all payments
Payment Breakdown
Loan Amount$212,000
Principal & Interest$1,340
Property Taxes$137
Homeowners Insurance$208
Total Monthly PITI$1,685

Closing Costs — Springdale, AR

Estimated closing costs based on Arkansas rates and fees applied to Springdale prices.

$
%
Arkansas: Avg closing costs 1.5% of price. Transfer tax: 0.33%.
Estimated Closing Costs
$10,358
3.9% of purchase price
Lender Fees
$2,333
origination, underwriting
Third-Party
$2,775
appraisal, title, inspection
Government Fees
$875
transfer taxes, recording
Prepaids + Escrow
$4,375
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,908
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,625
Recording Fee$150
Transfer Tax$875
Prepaid Taxes (3 mo)$411
Prepaid Insurance (12 mo)$2,500
Prepaid Interest (15 days)$637
Escrow Reserves$827
Total Closing Costs$10,358

Buying a Home in Springdale, Arkansas

The median home price in Springdale is $265,000, 36% above the Arkansas state median of $195,000. With a population of 84,312, Springdale is a smaller market where home prices reflect strong demand and local economic factors.

Property taxes in Arkansas average 0.62% annually. This low property tax rate is a significant advantage for Springdale buyers, keeping your monthly costs well below what you'd pay in higher-tax states. Homeowners insurance in Arkansas runs approximately $2,500 per year. This is within the normal range nationally.

Average rent in Springdale is $1,080/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Springdale presents moderate affordability. The $265K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Springdale.
Rent vs Buy Calculator →
Explore all of Arkansas: Arkansas Mortgage Calculator & Closing Costs →

Related Guides

The First-Time Buyer Playbook
Free weekly guide: mortgage tips, market updates, and money-saving strategies. No spam.