Clay County, Arkansas has a 2026 one-unit conforming loan limit of $832,750, which is 8.8 times the county's median home value of $94,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $51,481 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $94,600 |
| Arkansas median home value | $188,000 |
| Limit ÷ median home value | 8.80× |
| Median household income | $51,481 |
| Median home value ÷ income | 1.8× |
| Population | 14,280 |
| Median property tax paid (owners) | $470 |
| Effective property tax rate (approx.) | 0.50% |
| Owner-occupied homes | 74.7% |
| Home value rank in Arkansas | 66 of 75 counties |
| Neighbor: Greene County, AR | limit $832,750; median home $169,300 |
| Neighbor: Randolph County, AR | limit $832,750; median home $130,600 |
| Neighbor: Butler County, MO | limit $832,750; median home $145,100 |
| Neighbor: Dunklin County, MO | limit $832,750; median home $97,600 |
| Neighbor: Ripley County, MO | limit $832,750; median home $119,600 |
Across Arkansas's 75 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Clay County's median home value is 50% below the state median of $188,000 (rank 66 of 75). Among its 5 neighboring counties, Greene County has the highest median home value ($169,300) and Dunklin County the lowest ($97,600); all share the same loan limit. Owners pay a median $470 a year in property tax, an effective rate of about 0.50% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Clarke County, VA
- 2026 conforming loan limit: Clatsop County, OR
- 2026 conforming loan limit: Clay County, AL
- 2026 conforming loan limit: Clay County, FL
- 2026 conforming loan limit: Clay County, GA
- 2026 conforming loan limit: Clay County, IA
- 2026 conforming loan limit: Clay County, IL
- 2026 conforming loan limit: Clay County, IN
Last updated 2026-10-16. Data only, not financial or tax advice.