72501 — Independence County, Arkansas Market Snapshot
Housing market data for zip code 72501 in Independence County, Arkansas. Updated monthly with median prices, days on market, and more.
Market Sales Data
79 sales in 2026 (year to date)
Median Sale Price
$195,000
Days to Sell
58
Homes Sold
79
Inventory
76
Sale-to-List
95.5%
New Listings
79
Price/SqFt
$120
Pending Sales
92
Conforming Loan Available
Most homebuyers in 72501 can comfortably use conventional financing. The median home price of $195,000 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
72501's market is balanced with homes taking an average of 58 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 72501 sells for 4.5% below asking price (95.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 72501 can comfortably use conventional financing. The median home price of $195,000 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 72501 are set at the county level.
2026 Loan Limits — Independence 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 72501
To purchase the median home at $195,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,644.
Monthly Payment
$1,644
Income Required
$70,458
Principal & Interest
$1,202/mo
Down Payment (5%)
$9,750
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 72501.
Estimated Monthly Payment
$1,357
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