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Seasonal home affordability gains faded again to start 2025. See our latest update of "The income you need to buy a home in the top 50 metro housing markets".

Seasonal home affordability gains faded again to start 2025. See our latest update of "The income you need to buy a home in the top 50 metro housing markets".

Current FHA Mortgage Rates in AR - Arkansas FHA Mortgage

Arkansas Mortgages

2025 FHA Loan Limits for Arkansas

FHA Loans are government insured mortgages from the Federal Housing Administration and are an attractive option for homebuyers with small down payments or who have less-than-stellar credit. An FHA-backed loan can also be attractive to homeowners who want to refinance.

FHA mortgages are backed by a self-insuring pool to limit risks for the lenders who make these low downpayment loans. Homebuyers or homeowners looking to refinance can borrow with as little as a 3.5% downpayment or equity stake.

Learn more about FHA loans or calculate FHA loan costs and compare FHA loans against conventional low-downpayment mortgage programs.

FHA loan limits are different than those for conventional mortgages, as they use a formula based on median home prices; as such, FHA loan limits are reset each year, and vary from county to county in each state. The 2025 FHA loan limits for each county in Arkansas are below.

Select County
County Name One Family Two Family Three Family Four Family
Arkansas One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Ashley One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Baxter One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Benton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Boone One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Bradley One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Calhoun One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Carroll One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Chicot One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clark One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Clay One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cleburne One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cleveland One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Columbia One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Conway One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Craighead One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Crawford One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Crittenden One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Cross One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Dallas One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Desha One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Drew One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Faulkner One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Franklin One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Fulton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Garland One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Grant One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Greene One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hempstead One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Hot Spring One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Howard One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Independence One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Izard One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jackson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Jefferson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Johnson One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lafayette One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lawrence One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lee One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lincoln One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Little River One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Logan One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Lonoke One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Madison One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Marion One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Miller One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Mississippi One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Monroe One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Montgomery One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Nevada One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Newton One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Ouachita One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Perry One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Phillips One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pike One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Poinsett One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Polk One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pope One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Prairie One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Pulaski One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Randolph One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Saline One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Scott One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Searcy One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Sebastian One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Sevier One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Sharp One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
St. Francis One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Stone One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Union One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Van Buren One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Washington One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
White One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Woodruff One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300
Yell One Family$524,225 Two Family$671,200 Three Family$811,275 Four Family$1,008,300

Mortgage Rates by State

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