Real Estate Investing in Pearcy, Arkansas (71964)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Garland County • Population: 4,891 • Data updated: September 2026

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Should you buy in 71964 (Pearcy, AR)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (68/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Pearcy, AR (71964)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $264,753
Avg Monthly Rent $972
1% Rule ✗ Does Not Meet
Median Income $53,976
% Renters 10.6%

Market Analysis: 71964 Pearcy

Looking more closely, ZIP 71964 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $265K median. It rewards specialists, not generalists.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 71964 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

The gap between 71964 and stronger Pearcy ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Resident income in 71964 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

Experienced landlords with local relationships tend to find 71964 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Pearcy:

C+ Average
Buy Confidence Score: 60/100
Affordability
10/25
Appreciation
22/25
Stability
7/20
Timing
6/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.9× the median income
Value Trend
Rising (+4.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $972/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Hot Springs, AR Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
6.7%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Hot Springs, AR metro data
🏠

Property Strategy for 71964

Which property type performs best in this market?

Best for Cash Flow
3BR
4.1% cap rate
Best for Appreciation
3BR
+8.8% 5yr CAGR
Best Overall Value
3BR
$81,484/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $200,738 $1,080 3.9% +7.9% $100,369
3BR $244,451 $1,380 4.1% +8.8% $81,484
4BR $342,314 $1,630 3.4% +8.6% $85,578

Market Trends

Home Value History (with trend line)

$281K$241K$202K$162K$123K$84KJul 2006Jul 2016Jul 2026

📊 How Does 71964 Compare?

Metric 71964 Pearcy Hot Springs, AR Arkansas
Home Value $264,753 $264,753 N/A $216,341
5-Year CAGR 6.2% 6.2% N/A 5.7%
Avg Rent $972 $972 N/A -
Cap Rate 2.9% 2.9% - -
💡 Why Invest in 71964? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 71964 (Pearcy, AR). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.9%
Low
5yr Growth
+6.2%
Strong

📉 Market Crash Risk Index

Based on Hot Springs, AR metro

2/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
71%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $264,753
Monthly Rent $972
Price-to-Rent 22.7:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.4%
Cap Rate 2.9%
5-Year IRR 9.1%

📈 Home Appreciation

1-Year +4.5% ▲
3-Year CAGR +3.9% ▲
5-Year CAGR +6.2% ▲
10-Year CAGR +6.9% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.9%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
2.4%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+6.2%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 71964

Population: 4,891

💰 Median Household Income
$53,976
This area
$53,976
State
$52,981
USA
$74,580
🏠 Renter Occupied
10.6%
This area
10.6%
State
24.2%
USA
34.0%
💼 Unemployment Rate
3.4%
This area
3.4%
State
-21.7%
USA
3.7%
🎓 College Educated
22.1%
This area
22.1%
State
-9.2%
USA
33.7%
👤 Median Age
46.7 years
This area
46.7 years
State
3.7 years
USA
38.9 years
🏚️ Vacancy Rate
2.4%
This area
2.4%
State
22.6%
USA
10.5%
👥 Population by Ethnicity
White 96.3%
Other/Mixed 3.7%
Hispanic/Latino 1.2%
👶 Under 18
18.8%
This area
18.8%
USA
22.0%
👴 65 and Over
21.7%
This area
21.7%
USA
17.3%
📊 Poverty Rate
1.1%
This area
1.1%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 71964

B Avg School Grade
6 Schools
17.3:1 Avg Class Size
$12,519 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

LAKE HAMILTON JR. HIGH SCHOOL

📚 08 – 09 High School
👥
708 Students
👨‍🏫
13.1:1 Class Size
💰
$12,519 Per Student
B Good

LAKE HAMILTON ELEMENTARY SCH

📚 02 – 03 Elementary
👥
578 Students
👨‍🏫
17.0:1 Class Size
💰
$12,519 Per Student
B Good

LAKE HAMILTON INTERM. SCHOOL

📚 04 – 05 Elementary
👥
608 Students
👨‍🏫
17.9:1 Class Size
💰
$12,519 Per Student
B Good

LAKE HAMILTON MIDDLE SCHOOL

📚 06 – 07 Middle
👥
620 Students
👨‍🏫
19.0:1 Class Size
💰
$12,519 Per Student
B Good

LAKE HAMILTON PRIMARY SCHOOL

📚 Pre-K – 01 Elementary
👥
639 Students
👨‍🏫
18.5:1 Class Size
💰
$12,519 Per Student
C+ Average

LAKE HAMILTON HIGH SCHOOL

📚 10 – 12 High School
👥
901 Students
👨‍🏫
18.4:1 Class Size
💰
$12,519 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

3 Nearby 1,315 Off-Campus Students
C
National Park College
2,308 students · 9.5 mi
C
Champion Christian College
139 students · 11.5 mi
D
Hot Springs Beauty College
92 students · 12.9 mi

Investor Insight: With 1,315 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How landlord-friendly is Pearcy, AR?

Landlord-friendliness in Pearcy, AR is landlord-friendly. Eviction timelines and lease enforcement are considered reasonable by most property managers.

Are renters plentiful in Pearcy, AR?

Working renters make up the core of the Pearcy, AR tenant base. The pool is reasonable for investors targeting long-term holds.

How high is vacancy risk in Pearcy, AR?

Pearcy, AR carries elevated vacancy risk. Expect even-keeled absorption at market rents of $972/mo.

Does a duplex house hack pencil in Pearcy, AR?

The a challenging house-hack environment in Pearcy, AR reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

What is the average home sale price in Pearcy, AR?

Expect median prices around $265K in Pearcy, AR. The market has run at a 0.0% 5-year CAGR, so entry costs have been steady.

You know 71964 now. You don’t know where it ranks.

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How 71964 ranks in Hot Springs, AR

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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