72521 — Independence County, Arkansas Market Snapshot
Housing market data for zip code 72521 in Independence County, Arkansas. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$179,900
Days to Sell
74
Homes Sold
12
Inventory
6
Sale-to-List
98.2%
New Listings
7
Price/SqFt
$128
Pending Sales
11
Conforming Loan Available
Most homebuyers in 72521 can comfortably use conventional financing. The median home price of $179,900 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 74 days on average, 72521 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
Homes are selling very close to asking price in 72521 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 72521 can comfortably use conventional financing. The median home price of $179,900 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 72521 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 72521
To purchase the median home at $179,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,528.
Monthly Payment
$1,528
Income Required
$65,500
Principal & Interest
$1,108/mo
Down Payment (5%)
$8,995
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 72521.
Estimated Monthly Payment
$1,263
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