Hot Spring County, Arkansas has a 2026 one-unit conforming loan limit of $832,750, which is 5.5 times the county's median home value of $151,100, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $55,405 (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) | $151,100 |
| Arkansas median home value | $188,000 |
| Limit ÷ median home value | 5.51× |
| Median household income | $55,405 |
| Median home value ÷ income | 2.7× |
| Population | 33,180 |
| Median property tax paid (owners) | $724 |
| Effective property tax rate (approx.) | 0.48% |
| Owner-occupied homes | 76.5% |
| Home value rank in Arkansas | 30 of 75 counties |
| Neighbor: Clark County, AR | limit $832,750; median home $155,000 |
| Neighbor: Dallas County, AR | limit $832,750; median home $97,300 |
| Neighbor: Garland County, AR | limit $832,750; median home $194,300 |
| Neighbor: Grant County, AR | limit $832,750; median home $161,700 |
| Neighbor: Montgomery County, AR | limit $832,750; median home $151,900 |
| Neighbor: Saline County, AR | limit $832,750; median home $221,200 |
Across Arkansas's 75 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Hot Spring County's median home value is 20% below the state median of $188,000 (rank 30 of 75). Among its 6 neighboring counties, Saline County has the highest median home value ($221,200) and Dallas County the lowest ($97,300); all share the same loan limit. Owners pay a median $724 a year in property tax, an effective rate of about 0.48% 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
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Last updated 2026-10-16. Data only, not financial or tax advice.