Loan Limits / Arkansas / Jackson County
2026 Loan Limits · Arkansas · NON-METRO
Jackson County, AR.
2026 conforming and FHA loan limits, calibrated to a median sales price of $75,000.
Median Sales Price
$75,000
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 Jackson County
Jackson County is located in the Arkansas Delta in the U.S. state of Arkansas. The county is named for Andrew Jackson, a national hero during the War of 1812. By the county's formation in 1829, Jackson had become the seventh President of the United States. Jackson County is home to seven incorporated towns and four incorporated cities, including Newport, the largest city and county seat. The county is also the site of numerous unincorporated communities and ghost towns. Occupying 633.94 square miles (164,190 ha), Jackson County is the 41st largest county of the 75 in Arkansas. As of the 2020 Census, the county's population was 16,755. Based on population, the county is the 44th-largest county in Arkansas. Although terrain rises in the west, most of Jackson County is within the Arkansas Delta, characterized by largely flat terrain with fertile soils. Historically covered in forest, bayous and swamps, the area was cleared for agriculture by early settlers. It is drained by the White River. Interstate Highway 57 runs through Jackson County, as well as fifteen Arkansas state highways. A Union Pacific Railroad line also crosses the county. Read more on Wikipedia →
Population
16,775
U.S. Census ACS 2023
Median Household Income
$41,215
U.S. Census ACS 2023
Median Home Value (Census)
$87,300
Owner-occupied · ACS 2023
Owner-Occupancy Rate
65%
Of occupied housing
What these limits mean for buyers in Jackson County
The 2026 conforming 1-unit limit for Jackson 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. Jackson 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 Jackson County at $75,000. This matches the FHA national floor — Jackson County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Jackson County ($75,000) 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
Jackson 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 Jackson County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.