72653 — Baxter County, Arkansas Market Snapshot
Housing market data for zip code 72653 in Baxter County, Arkansas. Updated monthly with median prices, days on market, and more.
Market Sales Data
117 sales in 2026 (year to date)
Median Sale Price
$233,250
Days to Sell
68
Homes Sold
117
Inventory
210
Sale-to-List
97.3%
New Listings
189
Price/SqFt
$142
Pending Sales
172
Conforming Loan Available
Most homebuyers in 72653 can comfortably use conventional financing. The median home price of $233,250 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 68 days on average, 72653 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 72653 sells for 2.7% below asking price (97.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 72653 can comfortably use conventional financing. The median home price of $233,250 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 72653 are set at the county level.
2026 Loan Limits — Baxter County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 72653
To purchase the median home at $233,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,937.
Monthly Payment
$1,937
Income Required
$83,018
Principal & Interest
$1,437/mo
Down Payment (5%)
$11,663
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 72653.
Estimated Monthly Payment
$1,594
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