BNB Hot / STR by ZIP / 71913
STR by ZIP
Short-term rentals in 71913 (Lake Hamilton corridor)
The busiest STR ZIP in the area, and the one where city-versus-county jurisdiction decides whether an address can host.
71913 is the Lake Hamilton corridor, the busiest short-term-rental ZIP in the area and the one where jurisdiction matters most. Much of it is unincorporated Garland County, outside the city STR license entirely; the rest is inside city limits and under the closed 400-license cap. The line runs through the ZIP, so you check it address by address.
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What 71913 covers
71913 wraps the southwest side of Hot Springs and the Lake Hamilton shoreline: the lake neighborhoods, the resort and marina strip along Central and Albert Pike, and the subdivisions that climb the hills above the water. It carries the area's highest median price per square foot, because lake access and view command a premium that in-town and outlying ZIPs don't.
It is also the most-rented ZIP in the area. The lake draws summer boaters, Oaklawn draws a racing-season crowd from late November through spring, and Hot Springs National Park pulls roughly 2.5 million visits a year. That demand is why 71913 holds more city STR licenses than any other ZIP, and why the eligibility question gets asked here more than anywhere else.
The city line runs through this ZIP
This is the part a national data tool will never tell you. The Hot Springs city limit is not a neat boundary around the lake. It weaves in and out of the Lake Hamilton corridor, so two homes a few hundred feet apart can fall under completely different rules.
- Inside city limits. The city STR ordinance applies. Residential licenses are capped at 400 and have been full since July 1, 2025, with no waitlist, so a residential address inside the city generally cannot get a new license now. The operating rules apply: two guests per bedroom plus two, off-street parking, a local manager within 60 minutes.
- Unincorporated Garland County. A large share of the lake corridor sits here. The city cap and city license do not apply, so a county-jurisdiction home can operate as a short-term rental without a Hot Springs permit. Subdivision covenants, deed restrictions and any HOA still govern it, so read those for the specific property.
A real example: a lake home outside the city line
186 Echo Point is a single-level brick ranch a block off Lake Hamilton with community lake access, listed by The Bergeron Group, Keller Williams, at $287,000. Checked against the city parcel GIS, it sits in unincorporated Garland County, outside the Hot Springs city limits. The city's STR license and its closed 400-cap do not apply to it, so it can operate as a short-term rental without a Hot Springs permit. It is live on Airbnb as the Lake Hamilton hilltop spa home.
It is a clean illustration of the 71913 pattern: a lake-access home that reads like city Hot Springs by address but is governed by the county, and is rentable today without fighting for a capped city license.
Listed by Nancy Bergeron, The Bergeron Group, Keller Williams, 501-463-6328. MLS# 26034896. Community lake access, not waterfront; no dock. Jurisdiction verified against the City parcel GIS.
Check a 71913 address in two clicks
The ZIP sets the scene. These tools answer for one property.
Common questions
Is 71913 inside Hot Springs city limits?
Partly. 71913 covers the Lake Hamilton corridor, which is a patchwork of city limits and unincorporated Garland County. Some addresses fall under the city STR ordinance and its closed 400-license cap; many lake-area parcels sit in the county and do not. You cannot tell from the ZIP alone, only from the parcel.
Can I run an Airbnb in 71913 without a city license?
If the property is in unincorporated Garland County, outside the city line, the city STR license and the closed cap do not apply, so it can operate without a city permit. If it is inside city limits, it is subject to the ordinance and the cap, which is full. Confirm the jurisdiction for the exact address before you rely on it.
How many licensed STRs are in 71913?
437 addresses in 71913 held a city short-term rental license as of November 2026, the most of any Hot Springs ZIP, counted live from the City of Hot Springs addressing GIS. That count is city licenses only and does not include county-jurisdiction rentals in the same ZIP, which need no city permit.
What makes 71913 the busiest STR ZIP?
Lake Hamilton. The corridor carries the area's highest concentration of vacation homes and the highest median price per square foot, and lake access drives nightly demand. It also carries the most city STR licenses of any ZIP.
Keep going
More of the Hot Springs picture, and our network of local sites.
All ZIPs
The by-ZIP table: licensed-STR counts and medians across the whole area.
71901
Hot Springs, east and in-town, mixed city and county.
71909
Hot Springs Village, a private POA outside the city.
Lake Hamilton homes
Waterfront and lake-access listings on Lake Hamilton.
Market dashboard
Live median prices by ZIP and a mortgage calculator.
Waterfront estates
High-end lake homes around Lake Hamilton and Lake Catherine.
Looking at a lake property in 71913?
Send us the address. We'll tell you whether it's city or county, whether it can host, and connect you with The Bergeron Group, Keller Williams, to run the numbers.
The Bergeron Group, Keller Williams · 501-463-6328. One local team sees this; we never sell your details.