71909 — Garland County, Arkansas Market Snapshot
Housing market data for zip code 71909 in Garland County, Arkansas. Updated monthly with median prices, days on market, and more.
Market Sales Data
197 sales in 2026 (year to date)
Median Sale Price
$298,500
Days to Sell
54
Homes Sold
197
Inventory
287
Sale-to-List
97.6%
New Listings
288
Price/SqFt
$151
Pending Sales
228
Conforming Loan Available
Most homebuyers in 71909 can comfortably use conventional financing. The median home price of $298,500 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
71909's market is balanced with homes taking an average of 54 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 71909 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 71909 can comfortably use conventional financing. The median home price of $298,500 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 71909 are set at the county level.
2026 Loan Limits — Garland 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 71909
To purchase the median home at $298,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,437.
Monthly Payment
$2,437
Income Required
$104,443
Principal & Interest
$1,839/mo
Down Payment (5%)
$14,925
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 71909.
Estimated Monthly Payment
$1,997
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