Loan Limits / Arkansas / Conway County
2026 Loan Limits · Arkansas · NON-METRO
Conway County, AR.
2026 conforming and FHA loan limits, calibrated to a median sales price of $130,000.
Median Sales Price
$130,000
Per HUD CHUMS, 2026
Conforming 1u Limit
$832,750
Standard conforming
FHA 1u Limit
$541,287
Floor
Jumbo Threshold
> $832,750
1-unit · loans above this are jumbo
Conforming (Fannie / Freddie)
Standard conforming| 1-unit (single-family) | $832,750 |
| 2-unit (duplex) | $1,066,250 |
| 3-unit (triplex) | $1,288,800 |
| 4-unit (fourplex) | $1,601,750 |
FHA Forward (203b)
Floor| 1-unit (single-family) | $541,287 |
| 2-unit (duplex) | $693,050 |
| 3-unit (triplex) | $837,700 |
| 4-unit (fourplex) | $1,041,125 |
About this county
About Conway County
Conway County is a county located in the U.S. state of Arkansas. Created as Arkansas's 11th county on October 20, 1825, Conway County has four incorporated municipalities, including Morrilton, the county seat and most populous city. The county is also the site of numerous unincorporated communities and ghost towns. The county was formed from a portion of Pulaski County and is named for Henry Wharton Conway, a politician from a powerful political family who served as the delegate from the Arkansas Territory to the U.S. Congress from 1823 to 1827. Read more on Wikipedia →
Population
20,872
U.S. Census ACS 2023
Median Household Income
$51,212
U.S. Census ACS 2023
Median Home Value (Census)
$137,000
Owner-occupied · ACS 2023
Owner-Occupancy Rate
71%
Of occupied housing
What these limits mean for buyers in Conway County
The 2026 conforming 1-unit limit for Conway County is $832,750. Loans at or below this amount can be sold by the originating lender to Fannie Mae or Freddie Mac, which keeps pricing tight and underwriting consistent. Conway County uses the standard national conforming baseline.
For FHA financing, the 2026 1-unit limit is $541,287. The HUD CHUMS table pegs the median sales price for Conway County at $130,000. This matches the FHA national floor — Conway County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Conway County ($130,000) is below both limits — FHA, conventional, and VA financing all cover median-priced purchases here. Choice between programs comes down to credit, down payment, and overlay differences.
How the limits are set
Conforming limits come from the Federal Housing Finance Agency (FHFA), which adjusts them each year based on changes in the FHFA Housing Price Index. FHA limits come from HUD: the national floor is $541,287 (65% of conforming baseline), the ceiling is $1,249,125 (150% of conforming baseline), and counties between are calculated as 115% of the area median sales price.
Multi-unit and house-hacking math
Conway County 2-, 3-, and 4-unit conforming limits are $1,066,250, $1,288,800, and $1,601,750 respectively. If you're house-hacking — owner-occupying one unit of a 2-4 unit property — these are the limits that matter, and the rental income on the other units can be used to qualify. FHA and VA both finance owner-occupied 2-4 unit properties at their own multi-unit limits.
Limits effective 2026 per HUD CHUMS publication. Sourced GSE and FHA files. Generated 2026-04-26.
Buying in Conway County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.