2026 conforming loan limits · Arkansas
All 75 counties in Arkansas use the same one-unit conforming limit of $832,750.
CY2026 Showing the 2026 FHFA dataset, effective 2026-01-01. Figures change only when FHFA publishes a new file.
Arkansas at a glance
| Metric | Value |
|---|---|
| Counties | 75 |
| Lowest one-unit conforming limit | $832,750 |
| Highest one-unit conforming limit | $832,750 |
| Distinct one-unit limits | 1 |
| Applicable baseline | $832,750 |
| Above the applicable baseline | 0 of 75 (0.0%) |
| At the applicable ceiling | 0 |
| Dataset year | CY2026 |
Every county in Arkansas carries the same one-unit limit, so there is no high-cost ranking to show.
Conforming and FHA limits by county
Two federal programs, two agencies, two different limits. The conforming figure is FHFA’s cap on what Fannie Mae and Freddie Mac may buy; the FHA figure is HUD’s cap on what FHA will insure. Neither governs the other.
| County | Metro | Conforming 1-unit (2026) | FHA 1-unit (2026) | Difference |
|---|---|---|---|---|
| Arkansas County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Ashley County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Baxter County | MOUNTAIN HOME, AR | $832,750 | $541,287 | $291,463 |
| Benton County | FAYETTEVILLE-SPRINGDALE-ROGERS, AR | $832,750 | $541,287 | $291,463 |
| Boone County | HARRISON, AR | $832,750 | $541,287 | $291,463 |
| Bradley County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Calhoun County | CAMDEN, AR | $832,750 | $541,287 | $291,463 |
| Carroll County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Chicot County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Clark County | ARKADELPHIA, AR | $832,750 | $541,287 | $291,463 |
| Clay County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Cleburne County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Cleveland County | PINE BLUFF, AR | $832,750 | $541,287 | $291,463 |
| Columbia County | MAGNOLIA, AR | $832,750 | $541,287 | $291,463 |
| Conway County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Craighead County | JONESBORO, AR | $832,750 | $541,287 | $291,463 |
| Crawford County | FORT SMITH, AR-OK | $832,750 | $541,287 | $291,463 |
| Crittenden County | MEMPHIS, TN-MS-AR | $832,750 | $541,287 | $291,463 |
| Cross County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Dallas County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Desha County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Drew County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Faulkner County | LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | $832,750 | $541,287 | $291,463 |
| Franklin County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Fulton County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Garland County | HOT SPRINGS, AR | $832,750 | $541,287 | $291,463 |
| Grant County | LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | $832,750 | $541,287 | $291,463 |
| Greene County | PARAGOULD, AR | $832,750 | $541,287 | $291,463 |
| Hempstead County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Hot Spring County | MALVERN, AR | $832,750 | $541,287 | $291,463 |
| Howard County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Independence County | BATESVILLE, AR | $832,750 | $541,287 | $291,463 |
| Izard County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Jackson County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Jefferson County | PINE BLUFF, AR | $832,750 | $541,287 | $291,463 |
| Johnson County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lafayette County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lawrence County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lee County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lincoln County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Little River County | TEXARKANA, TX-AR | $832,750 | $541,287 | $291,463 |
| Logan County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Lonoke County | LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | $832,750 | $541,287 | $291,463 |
| Madison County | FAYETTEVILLE-SPRINGDALE-ROGERS, AR | $832,750 | $541,287 | $291,463 |
| Marion County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Miller County | TEXARKANA, TX-AR | $832,750 | $541,287 | $291,463 |
| Mississippi County | BLYTHEVILLE, AR | $832,750 | $541,287 | $291,463 |
| Monroe County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Montgomery County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Nevada County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Newton County | HARRISON, AR | $832,750 | $541,287 | $291,463 |
| Ouachita County | CAMDEN, AR | $832,750 | $541,287 | $291,463 |
| Perry County | LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | $832,750 | $541,287 | $291,463 |
| Phillips County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Pike County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Poinsett County | JONESBORO, AR | $832,750 | $541,287 | $291,463 |
| Polk County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Pope County | RUSSELLVILLE, AR | $832,750 | $541,287 | $291,463 |
| Prairie County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Pulaski County | LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | $832,750 | $541,287 | $291,463 |
| Randolph County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| St. Francis County | FORREST CITY, AR | $832,750 | $541,287 | $291,463 |
| Saline County | LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR | $832,750 | $541,287 | $291,463 |
| Scott County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Searcy County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Sebastian County | FORT SMITH, AR-OK | $832,750 | $541,287 | $291,463 |
| Sevier County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Sharp County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Stone County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Union County | EL DORADO, AR | $832,750 | $541,287 | $291,463 |
| Van Buren County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Washington County | FAYETTEVILLE-SPRINGDALE-ROGERS, AR | $832,750 | $541,287 | $291,463 |
| White County | SEARCY, AR | $832,750 | $541,287 | $291,463 |
| Woodruff County | Rural / Non-metro | $832,750 | $541,287 | $291,463 |
| Yell County | RUSSELLVILLE, AR | $832,750 | $541,287 | $291,463 |
Two-, three- and four-unit conforming limits
FHFA publishes a separate limit for each property size. These are its published figures, not multiples of the one-unit limit.
| County | 1 unit | 2 units | 3 units | 4 units |
|---|---|---|---|---|
| Arkansas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ashley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Baxter County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Benton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Boone County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Bradley County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Calhoun County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Carroll County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Chicot County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clark County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Clay County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cleburne County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cleveland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Columbia County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Conway County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Craighead County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Crawford County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Crittenden County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Cross County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Dallas County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Desha County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Drew County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Faulkner County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Franklin County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Fulton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Garland County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Grant County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Greene County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hempstead County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Hot Spring County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Howard County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Independence County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Izard County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jackson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Jefferson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Johnson County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lafayette County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lawrence County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lee County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lincoln County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Little River County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Logan County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Lonoke County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Madison County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Marion County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Miller County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Mississippi County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Monroe County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Montgomery County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Nevada County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Newton County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Ouachita County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Perry County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Phillips County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pike County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Poinsett County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Polk County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pope County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Prairie County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Pulaski County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Randolph County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| St. Francis County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Saline County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Scott County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Searcy County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sebastian County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sevier County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Sharp County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Stone County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Union County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Van Buren County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Washington County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| White County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Woodruff County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
| Yell County | $832,750 | $1,066,250 | $1,288,800 | $1,601,750 |
Government sources
Federal Housing Finance Agency (FHFA) — Conforming Loan Limits by County (HERA-based)
Fields used: FIPS State Code; FIPS County Code; County Name; State; CBSA Number; One-Unit Limit; Two-Unit Limit; Three-Unit Limit; Four-Unit Limit
U.S. Department of Housing and Urban Development (HUD) — FHA Single Family Forward Mortgage Limits
Fields used: cols 073-079: one-unit forward mortgage limit; cols 080-086: two-unit forward mortgage limit; cols 087-093: three-unit forward mortgage limit; cols 094-100: four-unit forward mortgage limit; cols 101-102: state postal code; cols 103-105: county FIPS code; cols 000-009: CBSA/metro code (9999900000 = non-metro)