Loan Limits / Arkansas / Washington County
2026 Loan Limits · Arkansas · FAYETTEVILLE-SPRINGDALE-ROGERS, AR
Washington County, AR.
2026 conforming and FHA loan limits, calibrated to a median sales price of $365,000.
Median Sales Price
$365,000
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 Washington County
Washington County is a regional economic, educational, and cultural hub in the Northwest Arkansas region. Created as Arkansas's 17th county on November 30, 1848, Washington County has 13 incorporated municipalities, including Fayetteville, the county seat, and Springdale. The county is also the site of small towns, bedroom communities, and unincorporated places. The county is named for George Washington, the first President of the United States. Located within the Ozark Mountains, the county is roughly divided into two halves: the rolling Springfield Plateau in the more populous north of the county and the steeper, forested Boston Mountains in the much less populated south. It contains three segments of the Ozark National Forest, two state parks, two Wildlife Management Areas, the Garrett Hollow Natural Area, and dozens of city parks. Other historical features such as Civil War battlefields, log cabins, one-room school houses, community centers, and museums describe the history and culture of Washington County. Washington County occupies 951.72 square miles and contained a population of 245,871 people in 89,249 households as of the 2020 Census, ranking it 4th in size and 3rd in population among the state's 75 counties. The economy is largely based on the business/management, education, sales, office/administration, and poultry production industries. Poverty rates, median household income, and unemployment rates best state averages, but lag national trends. Washington County has long had a reputation for education in the state. The University of Arkansas, the largest four-year college in the state, was established in Fayetteville in 1871. A Washington County campus of the Northwest Arkansas Community College was opened in 2019 in Springdale. Today, Washington County contains eight public school districts, including two of the largest districts in the state and two private schools. It is included in the Fayetteville–Springdale–Rogers Metropolitan Statistical Area. Read more on Wikipedia →
Population
251,863
U.S. Census ACS 2023
Median Household Income
$66,426
U.S. Census ACS 2023
Median Home Value (Census)
$266,000
Owner-occupied · ACS 2023
Owner-Occupancy Rate
56%
Of occupied housing
What these limits mean for buyers in Washington County
The 2026 conforming 1-unit limit for Washington 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. Washington 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 Washington County at $365,000. This matches the FHA national floor — Washington County did not qualify for an upward adjustment for 2026.
Practical takeaway. The median sales price in Washington County ($365,000) 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
Washington 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 Washington County?
We'll structure the loan against the right limit and the right program. Conforming, FHA, VA, jumbo — all in-house.