72176 — Lonoke County, Arkansas Market Snapshot
Housing market data for zip code 72176 in Lonoke County, Arkansas. Updated monthly with median prices, days on market, and more.
Market Sales Data
63 sales in 2026 (year to date)
Median Sale Price
$211,000
Days to Sell
70
Homes Sold
63
Inventory
75
Sale-to-List
99.0%
New Listings
70
Price/SqFt
$149
Pending Sales
63
Conforming Loan Available
Most homebuyers in 72176 can comfortably use conventional financing. The median home price of $211,000 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
With homes sitting for 70 days on average, 72176 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 72176 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 72176 can comfortably use conventional financing. The median home price of $211,000 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 72176 are set at the county level.
2026 Loan Limits — Lonoke 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 72176
To purchase the median home at $211,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,767.
Monthly Payment
$1,767
Income Required
$75,712
Principal & Interest
$1,300/mo
Down Payment (5%)
$10,550
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 72176.
Estimated Monthly Payment
$1,456
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