Arkansas loan limits 2026 by county
In 2026, every one of the 75 counties in Arkansas has the $832,750 baseline conforming loan limit for a one-unit home. Every Arkansas county has the $541,287 FHA floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every Arkansas county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Arkansas County | $832,750 | $541,287 | Non-Metro |
| Ashley County | $832,750 | $541,287 | Non-Metro |
| Baxter County | $832,750 | $541,287 | Mountain Home, AR |
| Benton County | $832,750 | $541,287 | Fayetteville-Springdale-Rogers, AR |
| Boone County | $832,750 | $541,287 | Harrison, AR |
| Bradley County | $832,750 | $541,287 | Non-Metro |
| Calhoun County | $832,750 | $541,287 | Camden, AR |
| Carroll County | $832,750 | $541,287 | Non-Metro |
| Chicot County | $832,750 | $541,287 | Non-Metro |
| Clark County | $832,750 | $541,287 | Arkadelphia, AR |
| Clay County | $832,750 | $541,287 | Non-Metro |
| Cleburne County | $832,750 | $541,287 | Non-Metro |
| Cleveland County | $832,750 | $541,287 | Pine Bluff, AR |
| Columbia County | $832,750 | $541,287 | Magnolia, AR |
| Conway County | $832,750 | $541,287 | Non-Metro |
| Craighead County | $832,750 | $541,287 | Jonesboro, AR |
| Crawford County | $832,750 | $541,287 | Fort Smith, AR-OK |
| Crittenden County | $832,750 | $541,287 | Memphis, TN-MS-AR |
| Cross County | $832,750 | $541,287 | Non-Metro |
| Dallas County | $832,750 | $541,287 | Non-Metro |
| Desha County | $832,750 | $541,287 | Non-Metro |
| Drew County | $832,750 | $541,287 | Non-Metro |
| Faulkner County | $832,750 | $541,287 | Little Rock-North Little Rock-Conway, AR |
| Franklin County | $832,750 | $541,287 | Non-Metro |
| Fulton County | $832,750 | $541,287 | Non-Metro |
| Garland County | $832,750 | $541,287 | Hot Springs, AR |
| Grant County | $832,750 | $541,287 | Little Rock-North Little Rock-Conway, AR |
| Greene County | $832,750 | $541,287 | Paragould, AR |
| Hempstead County | $832,750 | $541,287 | Non-Metro |
| Hot Spring County | $832,750 | $541,287 | Malvern, AR |
| Howard County | $832,750 | $541,287 | Non-Metro |
| Independence County | $832,750 | $541,287 | Batesville, AR |
| Izard County | $832,750 | $541,287 | Non-Metro |
| Jackson County | $832,750 | $541,287 | Non-Metro |
| Jefferson County | $832,750 | $541,287 | Pine Bluff, AR |
| Johnson County | $832,750 | $541,287 | Non-Metro |
| Lafayette County | $832,750 | $541,287 | Non-Metro |
| Lawrence County | $832,750 | $541,287 | Non-Metro |
| Lee County | $832,750 | $541,287 | Non-Metro |
| Lincoln County | $832,750 | $541,287 | Non-Metro |
| Little River County | $832,750 | $541,287 | Texarkana, TX-AR |
| Logan County | $832,750 | $541,287 | Non-Metro |
| Lonoke County | $832,750 | $541,287 | Little Rock-North Little Rock-Conway, AR |
| Madison County | $832,750 | $541,287 | Fayetteville-Springdale-Rogers, AR |
| Marion County | $832,750 | $541,287 | Non-Metro |
| Miller County | $832,750 | $541,287 | Texarkana, TX-AR |
| Mississippi County | $832,750 | $541,287 | Blytheville, AR |
| Monroe County | $832,750 | $541,287 | Non-Metro |
| Montgomery County | $832,750 | $541,287 | Non-Metro |
| Nevada County | $832,750 | $541,287 | Non-Metro |
| Newton County | $832,750 | $541,287 | Harrison, AR |
| Ouachita County | $832,750 | $541,287 | Camden, AR |
| Perry County | $832,750 | $541,287 | Little Rock-North Little Rock-Conway, AR |
| Phillips County | $832,750 | $541,287 | Non-Metro |
| Pike County | $832,750 | $541,287 | Non-Metro |
| Poinsett County | $832,750 | $541,287 | Jonesboro, AR |
| Polk County | $832,750 | $541,287 | Non-Metro |
| Pope County | $832,750 | $541,287 | Russellville, AR |
| Prairie County | $832,750 | $541,287 | Non-Metro |
| Pulaski County | $832,750 | $541,287 | Little Rock-North Little Rock-Conway, AR |
| Randolph County | $832,750 | $541,287 | Non-Metro |
| Saline County | $832,750 | $541,287 | Little Rock-North Little Rock-Conway, AR |
| Scott County | $832,750 | $541,287 | Non-Metro |
| Searcy County | $832,750 | $541,287 | Non-Metro |
| Sebastian County | $832,750 | $541,287 | Fort Smith, AR-OK |
| Sevier County | $832,750 | $541,287 | Non-Metro |
| Sharp County | $832,750 | $541,287 | Non-Metro |
| St. Francis County | $832,750 | $541,287 | Forrest City, AR |
| Stone County | $832,750 | $541,287 | Non-Metro |
| Union County | $832,750 | $541,287 | El Dorado, AR |
| Van Buren County | $832,750 | $541,287 | Non-Metro |
| Washington County | $832,750 | $541,287 | Fayetteville-Springdale-Rogers, AR |
| White County | $832,750 | $541,287 | Searcy, AR |
| Woodruff County | $832,750 | $541,287 | Non-Metro |
| Yell County | $832,750 | $541,287 | Russellville, AR |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
FHA, VA and conforming limits in Arkansas
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- Arkansas fair market rentsHUD Fair Market Rents for every Arkansas county, studios to 4 bedrooms.
- Arkansas property tax ratesEffective property tax rate for every Arkansas county from survey data.
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Questions about Arkansas loan limits
What are the FHA loan limits in Arkansas for 2026?
$541,287 to $541,287 for a one-unit home, depending on the county. Every county is at the national floor of $541,287. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in Arkansas for 2026?
$832,750 for a one-unit home in every Arkansas county, effective January 1, 2026 (FHFA).
What is the VA loan limit in Arkansas?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 in Arkansas for 2026: 25 percent of that limit minus the entitlement already used.
Which Arkansas counties have the highest loan limits?
Conforming: every county is at the baseline. FHA: Arkansas County at $541,287. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/arkansas. Not lending advice.