Loan Limits / Arkansas / Prairie County
2026 Loan Limits · Arkansas · NON-METRO
Prairie County, AR.
2026 conforming and FHA loan limits, calibrated to a median sales price of $116,000.
Median Sales Price
$116,000
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 Prairie County
Prairie County is in the Central Arkansas region of the U.S. state of Arkansas. The county is named for the Grand Prairie, a subregion of the Arkansas Delta known for rice cultivation and aquaculture that runs through the county. Created as Arkansas's 54th county in 1846, Prairie County is home to four incorporated towns, including DeValls Bluff, the southern district county seat, and two incorporated cities, including Des Arc, the northern district county seat. The county is also the site of numerous unincorporated communities and ghost towns. Occupying 676 square miles (175,000 ha), Prairie County is the median-sized county in Arkansas. As of the 2020 Census, the county's population was 8,282. Based on population, the county is the ninth-smallest county of the 75 in Arkansas. Read more on Wikipedia →
Population
8,162
U.S. Census ACS 2023
Median Household Income
$51,094
U.S. Census ACS 2023
Median Home Value (Census)
$87,500
Owner-occupied · ACS 2023
Owner-Occupancy Rate
76%
Of occupied housing
What these limits mean for buyers in Prairie County
The 2026 conforming 1-unit limit for Prairie 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. Prairie 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 Prairie County at $116,000. This matches the FHA national floor — Prairie County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Prairie County ($116,000) 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
Prairie 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 Prairie County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.