Buying a Home in Northwest Arkansas: Fayetteville, Springdale, Rogers, Bentonville and the Towns Around Them
In downtown Bentonville you can ride a bicycle to the roof of a six-story office building. The Ledger was built with switchback ramps up its outside, about three quarters of a mile from the sidewalk to the top, and it is open to anyone during business hours (The Ledger). A few blocks away, 8th Street Market serves lunch inside a former Tyson chicken plant, and the Razorback Regional Greenway rolls right past the door. Follow that paved trail south for forty-some miles and it carries you through Springdale, Lowell, Johnson and finally Dickson Street in Fayetteville, where the University of Arkansas has been since 1871.
I'm Jeff Moran, NMLS #483943, a mortgage broker licensed in Arkansas through C2 Financial Corporation, and I have been in the mortgage business since 1996. I work out of Bluffton, South Carolina, and I wrote this page for anyone thinking about buying a home in Northwest Arkansas, the part of the state that people here just call NWA. Northwest Arkansas is four separate cities in a line along I-49, Fayetteville, Springdale, Rogers and Bentonville, each with its own city hall, school district and sewer utility, plus a ring of smaller towns growing even faster. I go city by city first, then what is being built, the roads, the schools and the hospitals, and after that the things worth looking up on any address before you compare it with another one. The facts below come from public sources, cited beside the ones that matter most, and they were checked on October 1, 2026.
What should you know about each part of Northwest Arkansas?
Bentonville
Walmart opened the last of the twelve buildings on its new home office in January 2026, finishing the move from the old campus at Eighth Street and Walton Boulevard. The campus covers 350 acres, it was built for more than 15,000 associates, and seven miles of trails tie it into the city's trail network (NWA Democrat-Gazette, January 14, 2026). The twelve buildings are mass timber, which means they are framed with large engineered wood beams and panels instead of steel and concrete. If you are moving here for a job on that campus, the fast-growing towns closest to it are Centerton, Cave Springs, Bella Vista and Pea Ridge, and each one is covered below.
Crystal Bridges Museum of American Art opened a 114,000-square-foot expansion on June 6 and 7, 2026, designed by Safdie Architects, which made the museum half again as large (Crystal Bridges). The Alice L. Walton School of Medicine is on the same campus and welcomed its first class of 48 students on July 14, 2025, with the first graduates expected in 2029 (NWA Democrat-Gazette). The Momentary, the museum's contemporary space, is in a converted cheese plant at 507 SE E Street. On the square, the Walmart Museum and the Museum of Native American History are both free to visit.
Bentonville is also where the mountain biking is. Roughly 130 miles of singletrack, the narrow dirt trails built for one rider at a time, connect to downtown, inside the regional Oz Trails network of more than 250 miles (Oz Trails). Coler Mountain Bike Preserve holds about 20 miles of trail on 300 acres just west of downtown, and Slaughter Pen runs more than 23 miles north of it. So when you are weighing a Bentonville home, it is fair to ask how far it is from a trailhead, and the Oz Trails map will show you.
The city adopted a new Bentonville Community Code on April 14, 2026, which combines its zoning and land development rules, and it took effect May 14, 2026 (CNU). If you are buying a lot or planning an addition, that code is what the city will apply to your plans.
Rogers
Pinnacle Hills is Rogers's newer commercial core, built around the Pinnacle Hills Promenade, which locals shorten to the Promenade. The Visionaries, a 200,000-square-foot office building by Rogers-based Hunt Ventures, opened there in July 2026 (Talk Business & Politics). Hotel Vin, a 125-room Marriott Autograph Collection hotel, is slated to open in fall 2026, and The Plaza at Pinnacle Hills, 304 apartments with a two-story Ruth's Chris, is under construction (Destination Rogers). The Walmart AMP, the region's outdoor concert pavilion, is on West Northgate Road.
Downtown Rogers is a different place from Pinnacle Hills, and you will want to see both. The Victory Theater, close to a hundred years old, was scheduled to reopen in May 2026 with a six-show season, and the Rogers Public Library was set to fully reopen in spring 2026 (Destination Rogers). Lake Atalanta Park is just east of downtown and links the city trails to the Railyard Bike Park. In his 2026 State of the City, Mayor Greg Hines described a Rogers Pattern Zone Program that would make more than 20 residential building plans free to the public, to cut design cost and permitting time. He also said the city will ask voters to consider a bond proposal in November 2026 (City of Rogers). If you are thinking about building rather than buying, that program is worth a call to the city.
Springdale
Tyson Foods runs its world headquarters from Springdale. Beginning in early 2023, the company consolidated about 1,000 corporate positions from Chicago, Downers Grove and Dakota Dunes into town (Talk Business & Politics, October 2022). Emma Avenue is the downtown main street. Via Emma, one of the largest mixed-use projects downtown, is bringing more than 150 homes and more than 11,000 square feet of shop and community space to the 500 block, with completion expected in late 2026 (Downtown Springdale). Luther George Park, 14 acres along Spring Creek, is being rebuilt as the gateway between the Greenway and Emma Avenue, with an amphitheater sized for 3,000 people (Trahan Architects).
Two Springdale landmarks are right on Emma Avenue. The Jones Center is a community center with an indoor ice rink, a gym and an indoor pool, and the Springdale Farmers' Market sets up there from May into the fall. The Shiloh Museum of Ozark History keeps a campus of historic buildings downtown. AQ Chicken House, closed since 2023, announced a return to 100 W. Emma Avenue next to Onyx Coffee for spring 2026 (Fayetteville Flyer), so please ask whether it has opened yet before you plan a dinner there.
Springdale straddles the Benton and Washington county line, and Springdale Public Schools is the largest school district in Arkansas, with more than 22,000 students (Wikipedia: Springdale Public Schools).
Fayetteville
The University of Arkansas enrolled 33,990 students in fall 2026, with a record freshman class of 7,118. More than 6,200 students live on campus, and University Housing holds agreements with three private apartment buildings, The Marshall, the Cardinal and the Locale, to take the overflow (Fayetteville Flyer, September 11, 2026). So the university itself is renting private apartments for its students, and if you are buying a home you may rent out someday, that is the rental market you would be renting into.
Dickson Street is the entertainment district, and the Walton Arts Center has been on it since the early 1990s. The Fayetteville Farmers' Market has set up on the Downtown Square for more than fifty years. If you like being outdoors, three parks are worth knowing before you settle on a neighborhood. Wilson Park is the city's oldest, with the stone Castle that artist Frank Williams finished in 1981 and six new pickleball courts. Lake Fayetteville has a paved loop of about 4.3 miles, with the Botanical Garden of the Ozarks and its butterfly house beside it (Botanical Garden of the Ozarks). Kessler Mountain Regional Park has more than ten miles of trail and connects to the Greenway. Mount Sequoyah is the highest ground in the city, so if you want a view from the porch, that is the neighborhood to drive first. The Clinton House Museum, built in 1931, was the first home of Bill Clinton and Hillary Rodham, who married there in 1975.
The city completed 726 new homes and apartments in 2025, mostly single-family but with a growing share of duplexes and townhomes, and 276 more in the first two months of 2026 (Fayetteville Flyer, May 2026). The Fayetteville Roots Festival, five days of music and food, runs in late August.
Bella Vista
Bella Vista started in 1917 as a summer resort and became a city on January 1, 2007, after a 2006 vote. It covers about 46.87 square miles up against the Missouri state line. Inside it are seven lakes, the largest of them Loch Lomond at 477 acres, seven golf courses and more than 100 miles of hiking and biking trails (City of Bella Vista). Blowing Springs Park, on the south side, is a trailhead into the Back 40 trail system. Owning property in Bella Vista comes with membership in the Bella Vista Property Owners Association. That membership gets its own section further down this page, because it changes what you look up before you make an offer.
Centerton, Cave Springs, Highfill and Pea Ridge
Centerton is Arkansas's fastest-growing city by headcount. The Census Bureau's 2025 estimate puts it at 27,176 people, up 1,466 in one year (Talk Business & Politics, May 2026). Highfill, where the airport is, posted the largest percentage rise of any Arkansas city, from 2,814 to 3,676 (Arkansas Democrat-Gazette, May 23, 2026). If you are looking at Highfill, two questions are worth a call to city hall. The city has been weighing an industrial development authority, which is a public board a city can set up to buy and prepare land for industrial employers, here about 1,000 acres west of the airport. What gets built on that land is worth knowing if you are considering a home near it, so please ask the city what is planned there and whether the authority has been formed. The same reporting says the airport separates from the city in 2030 and takes about $3 million in tax revenue with it, so you could also ask how the city plans to pay for streets and services after that. The city had an updated Future Land Use Map and Master Street Plan as of May 22, 2026, and that map is where you can see what is planned around any Highfill address (City of Highfill).
Cave Springs, at 6,701 people in 2025, changed its water and sewer rates in July 2026 after rate studies (City of Cave Springs). Pea Ridge has grown from 6,559 people at the 2020 census to about 11,233 in 2025, much of it by annexing land for new homes. Pea Ridge National Military Park, run by the National Park Service, preserves the 1862 battlefield just outside town.
Tontitown, Farmington, Prairie Grove and the Washington County towns
Tontitown is at the west end of the Springdale Northern Bypass, so the road section below matters more to a buyer there than almost anywhere else in the metro. Farmington has grown from 7,584 people in 2020 to about 10,658 in 2025, and Prairie Grove has about 8,500 residents, so if you are looking west of Fayetteville, both towns have been adding homes quickly. Prairie Grove Battlefield State Park preserves the ground of the December 1862 battle, with a museum and a village of historic buildings. Elkins, Greenland and West Fork are the smaller towns south of Fayetteville, and Devil's Den State Park, about 2,200 acres built by the Civilian Conservation Corps starting in 1933, is down near West Fork.
Siloam Springs, Gravette, Gentry and Decatur
Siloam Springs is on the Oklahoma state line at the western edge of Benton County, and its downtown park was laid out around 1897 along Sager Creek. In June 2026 the city proposed housing incentives for developers aimed at curbing sprawl (KUAF). Gravette, Gentry and Decatur, in western Benton County, are the small towns at the far edge of the commuting range, each with its own school district.
Madison County and Huntsville
Madison County is the metro's rural eastern county, and Huntsville has been its county seat since July 22, 1839. Withrow Springs State Park, 786 acres north of Huntsville, has a place to launch canoes and kayaks on War Eagle Creek, and the Kings River Falls Natural Area is in the county too. The Arvest and University of Arkansas Skyline Report counted 61 home sales in all of Madison County in the first half of 2026. So if you are looking there, you are shopping a small, slow market, and it does not behave like the I-49 corridor.
Beaver Lake
Beaver Lake is the reservoir on the White River, mostly in Benton County, and it is where the region swims and boats. The Army Corps of Engineers keeps parks with ramps, campgrounds and swim beaches around it, including Prairie Creek and Horseshoe Bend near Rogers, Hickory Creek near Lowell, and Lost Bridge North and Indian Creek near Garfield. If a boat is part of your plan, it is worth checking how far a home is from one of those ramps. Hobbs State Park-Conservation Area, the largest state park in Arkansas at 12,173 acres, runs along the south shore with its visitor center on Highway 12. War Eagle Mill, about ten miles east of Rogers, is described as the last working grist mill in the state.
Why is sewer capacity the growth story here?
The Skyline Report is compiled by the University of Arkansas Center for Business and Economic Research and released by Arvest Bank. It counted 5,241 home sales in the region in the first half of 2026, and 35.7% of them, 1,870 homes, were new construction (Talk Business & Politics, August 2026). The cities are paying for the sewer pipes those new homes need by charging the builders who put them up.
In Bentonville, the city's Shewmaker Basin on the northeast side and its South Lift Station Basin on the southeast side reached capacity, and the city was turning away new developments in them (NWA Democrat-Gazette, December 4, 2025). The council's answer, approved 7 to 1 in December 2025, was a wastewater development fee of $7,867 for each equivalent residential unit on permits issued from January 22, 2026 (City of Bentonville). An equivalent residential unit is the city's measure of one typical home's wastewater, so on a single-family home it is one unit. The Alice L. Walton Foundation is lending the city $239 million for the new main sewer line that will carry wastewater to the treatment plant, to be repaid from those fees (Talk Business & Politics, January 2026). Separately, the council voted in September 2025 for wastewater rate increases of 7% a year from 2026 through 2030, which does reach existing customers (NWA Democrat-Gazette).
In Fayetteville, the council voted 8 to 0 in May 2026 to raise the combined water and sewer impact fee on a new single-family home from $1,843 to $5,670 (Fayetteville Flyer). An impact fee is a one-time charge on new construction that helps pay for the water, sewer and roads the new home needs. The builder pays these fees, and they come to you inside the price of a new home. So when you are comparing a new build in one city with a resale in another, those fees are part of the difference in price.
Larger projects give you a feel for the scale. Bentonville approved a development agreement in April 2026 for a project of at least $200 million at East Central Avenue and East Battlefield Boulevard, with at least $5 million in sewer impact fees built in (NWA Democrat-Gazette). Scissortail, a gated community of 263 lots, and the Warehouse District at Johnson Square, where a third phase adds single-family homes, apartments, offices and shops in 2026, are two of the named places new homes are going. If you are buying new, my page on buying new construction with your own lender covers what changes when the builder has a preferred lender.
Which road projects change a commute?
Highway 112 between Fayetteville and Bentonville. ARDOT started the first of eight projects in November 2025 to widen Highway 112 into a four-lane road with a center median for 18 miles between the two cities, a $500 million program. Money is in hand for the first four phases, with bids through 2028 and about two years of work per phase (Talk Business & Politics). If a home you like is off 112, you will be driving through that work for a while, and you will have a better road when it is done.
The Springdale Northern Bypass, Highway 612. The finished bypass will run more than 21 miles around the north side of Springdale, from Highway 412 in west Tontitown to Highway 412 east of town, at nearly $1 billion over four phases (ARDOT). Phase 1, from I-49 near Lowell to Highway 112, opened in April 2018. ARDOT announced a September 2026 ribbon cutting for Phase 2, about seven miles from Highway 112 to Highway 412 in Tontitown, together with the XNA Connector Road (ARDOT). Phase 4, the eastern segment, won a $24.46 million federal grant in July 2025 (Talk Business & Politics). If you are looking in Tontitown, Elm Springs or northwest Springdale, please check with ARDOT on which segments are open the week you are deciding.
The I-49 Bella Vista Bypass. It opened on October 1, 2021, 18.9 miles that closed the last gap and linked 265 miles of interstate between Fort Smith and Kansas City (ARDOT). A Bella Vista commute to Bentonville runs on it now.
XNA. Northwest Arkansas National Airport, in Highfill, is XNA to everyone here. Its board approved a $78.78 million bid in August 2026 for a two-level, roughly 111,000-square-foot western terminal expansion. Construction starts November 1, 2026 and finishes in spring 2029, adding seven gates and removing two for a net gain of five (Talk Business & Politics). June 2026 was its busiest month ever, at 129,045 boarding passengers, and a nonstop to Newark began in September 2026 (Axios NW Arkansas).
The Greenway. The Razorback Regional Greenway is a paved trail of more than 40 miles linking Fayetteville, Johnson, Springdale, Lowell, Rogers, Bentonville and Bella Vista, used by more than 100,000 cyclists and walkers a year (Wikipedia: Razorback Regional Greenway). For some people here it is a commute, so it is worth looking at where a home is relative to it.
What is being built for the schools?
Every city in the chain has its own district, and the small towns have theirs too: Bentonville, Rogers, Springdale, Fayetteville, Siloam Springs, Pea Ridge, Gravette, Gentry, Decatur, Farmington, Prairie Grove, Elkins, Greenland, West Fork and Huntsville (NWA Education Service Cooperative). The district a home is in decides the school tax rate on its bill. Arkansas states that rate in mills, and a mill is one dollar of tax for every $1,000 of assessed value, so people here call the rate the millage. The school millage is usually the largest piece of an Arkansas property tax bill, and the voters of that district set it.
On March 3, 2026, voters in three districts approved higher school millages for expansion projects: Rogers with 63.19% of the vote, Springdale with 72% and Siloam Springs with 62.65% (5NEWS). In Bentonville, Evening Star Elementary reached capacity at the end of the 2025-26 school year, and in August 2026 the school board approved a construction manager and architect for an expansion (NWA Democrat-Gazette). Bentonville West High School opened in 2016 with 1,236 students and started 2025-26 with 2,773, and the board has been considering an expansion. Please check each district's current attendance map for any address you are considering, because fast-growing districts redraw them.
Where are the hospitals?
Three hospital systems are growing at once. Mercy announced in 2022 a $500 million phase at Mercy Hospital Northwest Arkansas in Rogers, adding a cancer center and a larger emergency department (Mercy). It also includes floors built but left empty inside, to be finished later, which could take the hospital from 245 beds to nearly 400. Arkansas Children's Northwest in Springdale is adding four floors in an $82.7 million expansion, with two new operating rooms and inpatient beds going from 25 to 40, scheduled to finish in fall 2026 (Arkansas Children's). Washington Regional is Fayetteville's hospital, and the Alice L. Walton School of Medicine in Bentonville, described above, graduates its first doctors in 2029.
How does property tax work on a Northwest Arkansas home?
Arkansas taxes 20% of a home's appraised value. That 20% is the assessed value, and your bill is the assessed value multiplied by the millage, less any credits (Arkansas DFA). Your millage is the school rate from the section above plus the county's rate and the city's rate if you are inside one, all added together. The Department of Finance and Administration publishes every county, city and school district rate each year in its millage report, so that is the place to look up the rates for the exact address.
Four things about Arkansas property tax are worth knowing before you compare two homes.
- The tax bill resets when you buy. Amendment 79 to the Arkansas Constitution caps how fast a home's taxable assessed value can rise after a countywide reappraisal, 5% a year for a home the owner lives in and 10% a year for other property. When the home changes hands, the county assessor assesses it at 20% of its appraised value at the next assessment date after the transfer, with no cap (Arkansas Constitution, Amendment 79). So on a home that has been owned for years in a county that has appreciated as fast as Benton, please budget from the full value rather than from the current owner's bill. I explain the general idea in what happens to your property taxes after you buy.
- The homestead credit is yours to claim. Amendment 79 also gives a credit of up to $600 on the 2026 bill for the home you live in as your principal residence, up from $425 (Arkansas DFA). It is subtracted after the millage is applied, and it is not automatic. You file the homestead application with the county assessor, and October 15 is the filing deadline for the current year's bill.
- Taxes are paid a year behind. Real estate taxes for the prior year's assessment are payable from March 1 through October 15, with a 10% penalty after October 15 (Washington County Collector). Personal property, which for most people means vehicles, boats and trailers, has to be assessed between January 1 and May 31 each year, with a 10% late fee after that. It is billed on the same schedule as the real estate tax, so once you move here that is a date worth putting on the calendar.
- Reappraisal runs on a cycle. Benton and Washington counties reappraise every four years. Benton's last countywide reappraisal was 2024 and the next is 2028, and Washington County's took effect in October 2024 (Benton County Assessor). If you buy in Benton County before 2028, your assessment starts from the value set when you bought. After the 2028 reappraisal, the Amendment 79 cap limits how fast your taxable assessed value can rise, 5% a year for the home you live in, until it reaches the new full value.
Arkansas also charges a real property transfer tax of $3.30 for every $1,000 of the sale price, collected at the state level (Arkansas DFA). Your purchase contract says whether you or the seller pays it. The Arkansas page covers that tax and the rest of the state's closing rules, including why title quotes here are worth comparing line by line.
What should you ask about insurance and flood?
Northwest Arkansas is hail and tornado country, with the busiest stretch running March through June, so the homeowners insurance quote here is worth getting early, while you are still deciding between two homes. Two questions get you the most useful answer: how old is the roof, and how is the wind and hail deductible written on the policy. A newly built home in one of the subdivisions above comes with a new roof, and an older home near Wilson Park or the Bentonville square may not, so the roof's age is worth asking about on every resale. Please ask the agent to spell out the deductible in dollars for the home you are considering, because the premium and the deductible together are what you will actually live with. The premium is also part of the monthly payment a lender qualifies you on.
Flooding here comes from creeks and rivers rather than the ocean. The named waters are the White River and Beaver Lake, the Illinois River, the Kings River, War Eagle Creek and Spring Creek through Springdale, and FEMA's flood maps follow them. Bentonville requires a Floodplain Development Permit for any construction on property in a Special Flood Hazard Area, which is FEMA's name for the high-risk zone (City of Bentonville). For a home in that zone, the lender will require flood insurance, and the premium becomes part of your monthly payment. You can look up any address on FEMA's Flood Map Service Center, and buying a home in a flood zone explains how to price flood insurance into your payment before you make an offer.
What does buying in Bella Vista involve?
Bella Vista is a property owners association community. A homeowners association usually covers one subdivision, so if the dues do not suit you, you can look at a different subdivision. In Bella Vista, owning property carries automatic membership in the Bella Vista Property Owners Association and a mandatory recurring assessment set by its board, so the assessment comes with the address (Bella Vista POA bylaws). The assessments fund the seven lakes, the seven golf courses, the trails and the rest of the amenities. Some activities carry separate user fees, and the POA can levy a special assessment for a major project.
A few details from the POA's own documents are worth reading before you make an offer. The POA treats an improved lot, one with a water meter, differently from an unimproved lot without one, and assesses them differently, so buying the extra lot next door picks up an extra assessment. Assessments are due on the first of the month and delinquent on the last day, with interest at 6% a year once they are more than 30 days late. The current assessment amounts are in the POA's resale documents, so please ask for those documents early, because the monthly assessment is included in the payment a lender qualifies you on, right alongside taxes and insurance.
How do these facts reach your mortgage?
Prices differ across the three counties. The Skyline Report put the average sale price in the first half of 2026 at $465,888 in Benton County, down 1.2% from a year earlier, and $423,750 in Washington County, up 1.5% (Arkansas Democrat-Gazette, August 21, 2026). Its director, Mervin Jebaraj, said of the first half: "For the first time in many years, I would characterize this as more of a buyer's market than a seller's market."
The 2026 conforming and FHA loan limits for Benton, Washington and Madison counties are in the box below this article, and all three counties carry the same figures. The FHA limit here is the national FHA floor, meaning the lowest FHA loan limit HUD sets anywhere in the country. Benton County's average sale price is under that floor, so an FHA loan covers a typical purchase here. On a home priced well above the average, the FHA loan amount cannot go past the limit, so the difference has to come from a larger down payment, or the purchase moves to a conventional loan. The conforming limit is the largest loan Fannie Mae and Freddie Mac will buy here, and a loan above it is a jumbo loan. Conforming versus jumbo loans explains what changes above that limit.
Property tax at the reset value, the homeowners policy, flood insurance where it applies and any POA or HOA assessment are all part of the monthly payment a lender qualifies you on, so the facts above feed straight into your number. Pre-approval in Arkansas covers what the letter is based on, and if you are a veteran or buying on orders, how VA loans work in Arkansas covers entitlement and the funding fee.
When you're ready, you can run your numbers for a Northwest Arkansas purchase: rates for your scenario and Arkansas closing costs, with no credit pull and no account. Choose the option that works best for you, and the application opens from there.
Nothing here is a loan approval, a denial or a commitment to lend, and it is not tax advice. The value applied to a specific parcel and the credits on it are set by that county's assessor, so please confirm them with the county office.
Common questions
Is Northwest Arkansas one city or several?
Several. Fayetteville, Springdale, Rogers and Bentonville are four separate cities in a line along I-49, each with its own city government, school district and water and sewer utility. The smaller towns around them, such as Centerton, Bella Vista, Cave Springs, Pea Ridge, Tontitown and Siloam Springs, are separate cities too. The city a home is in decides its city tax rate, its sewer rates and its school district.
Why would my property tax be higher than the seller's?
Amendment 79 caps how fast a home's taxable assessed value can rise after a countywide reappraisal while the same owner holds it. When the home changes hands, the county assessor assesses it at 20% of its appraised value at the next assessment date, with no cap. So a home that has been owned for years in a fast-appreciating county can carry a bill well below what the next owner pays.
How do I get the Arkansas homestead credit?
You file a homestead application with the assessor in the county where the home is, for the home you live in as your principal residence. The credit is subtracted after the millage is applied, it is not automatic, and October 15 is the filing deadline for the current year's bill.
What is the Bella Vista POA?
The Bella Vista Property Owners Association. Owning property in Bella Vista comes with automatic membership and a mandatory recurring assessment set by the POA board, which funds the lakes, golf courses and trails. Improved lots and unimproved lots are assessed differently, an extra lot carries an extra assessment, and the current amounts are in the POA's resale documents.
What is the Bentonville wastewater development fee?
A fee the City of Bentonville charges on new construction permits issued from January 22, 2026, set per equivalent residential unit, to help pay for new sewer capacity after two of the city's sewer basins reached capacity. The builder pays it, so it reaches a buyer through the price of a new home rather than as a line on a tax bill.
Is Highway 112 being widened?
Yes. ARDOT started the first of eight projects in November 2025 to make Highway 112 a four-lane road with a center median for 18 miles between Fayetteville and Bentonville. Funding is in hand for the first four phases, with bids through 2028 and about two years of work on each phase.
When does the XNA terminal expansion finish?
Construction on the western terminal expansion at Northwest Arkansas National Airport starts November 1, 2026 and is scheduled to finish in spring 2029, adding seven gates and removing two for a net gain of five.
2026 loan limits, one-unit home
| County | FHA | Conforming |
|---|---|---|
| Benton County | $541,287 | $832,750 |
| Washington County | $541,287 | $832,750 |
| Madison County | $541,287 | $832,750 |
Source: HUD Mortgagee Letter 2025-23; FHFA, Nov 25 2025. HUD · FHFA
Local facts on this page checked October 1, 2026.
See what your numbers actually support.
Live rates for your scenario, the whole sheet side by side, and every closing fee — before we talk.
Jeff Moran, NMLS #483943, licensed to originate in Arkansas through C2 Financial Corporation.