FHA Loan Limits in Benton County, Arkansas (2026)
Benton County and the rest of Benton County, Arkansas fall under a 2026 one-unit FHA limit of $541,287. That matches the national FHA floor used across most of the South.
| Property Type | 2026 FHA Loan Limit |
|---|---|
| One-unit (single family) | $541,287 |
| Two-unit (duplex) | $692,997 |
| Three-unit (triplex) | $837,720 |
| Four-unit (fourplex) | $1,041,072 |
Every community in Benton County — Benton County — shares the same 2026 FHA limits shown above, which differ from those in adjacent Pulaski and Washington Counties.
How much home can you afford in Benton County?
Homes around Benton County carry an estimated local median near $360,000, so an FHA buyer in Benton County puts down about $12,600 (3.5%). With Arkansas's 0.62% effective property-tax rate, the all-in payment runs near $2,638 a month — comfortable on household income around $102,000, above Arkansas's $56,335 median household income, so budget carefully.
FHA payment scenarios in Benton County
Whether you are buying in Benton County or a smaller Benton County community, here is how an FHA payment scales by price (3.5% down, 6.25% sample rate):
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $259,000 | $9,065 | $1,931 |
| Local median — $360,000 | $12,600 | $2,638 |
| At the FHA limit — $541,287 | $18,945 | $3,908 |
Estimates include FHA MIP plus Arkansas property taxes and insurance. Rates move daily near Benton County too — get notified.
Buyers across Benton County pair FHA with local down-payment assistance to keep upfront cash low — often turning the $12,600 down payment near Benton County into little out of pocket.
Multi-unit FHA limits in Benton County
Investors and house-hackers in Benton County and across Benton County can finance 2-4 unit homes with FHA at just 3.5% down: $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
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Frequently Asked Questions
- What is the FHA loan limit in Benton County for 2026?
- In Benton County (Benton County), the 2026 FHA limit is $541,287 for one unit, $692,997 for a duplex, $837,720 for a triplex, and $1,041,072 for a fourplex.
- What income do I need to buy in Benton County with FHA?
- For a median-priced ($360,000) Benton County home, plan on income around $102,000 at a 31% housing ratio — about $2,638/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Benton County?
- 3.5% with a 580+ score — roughly $12,600 on a $360,000 Benton County-area home. Gift funds are allowed.
- Is Benton County a high-cost FHA area?
- No — Benton County uses the $541,287 national floor for one unit.