FHA Loan Limits in Pulaski County, Arkansas (2026)
In Pulaski County — anchored by Pulaski County — the 2026 FHA loan limit for a single-family home is $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 |
From Pulaski County to the edges of Pulaski County, the figures above govern FHA borrowing; buyers here frequently compare them with nearby Benton and Washington Counties.
Affording a home in Pulaski County & Pulaski County
Homes around Pulaski County carry an estimated local median near $230,000, so an FHA buyer in Pulaski County puts down about $8,050 (3.5%). With Arkansas's 0.62% effective property-tax rate, the all-in payment runs near $1,728 a month — comfortable on household income around $67,000, above Arkansas's $56,335 median household income, so budget carefully.
FHA payment scenarios in Pulaski County
Here is what an FHA payment looks like at three Pulaski County budgets, all with 3.5% down at a 6.25% example rate:
| Purchase Price | Down (3.5%) | Est. Monthly Payment |
|---|---|---|
| Entry-level — $166,000 | $5,810 | $1,279 |
| Local median — $230,000 | $8,050 | $1,728 |
| At the FHA limit — $541,287 | $18,945 | $3,908 |
Estimates include FHA MIP plus Arkansas property taxes and insurance. Rates move daily near Pulaski County too — get notified.
First-time buyers make up much of FHA activity in Pulaski County and across Pulaski County, drawn by the 3.5% down payment, 580 minimum score, and the option to use gift funds toward the $8,050 needed on a median Pulaski County home.
Multi-unit FHA limits in Pulaski County
Looking at a duplex or fourplex near Pulaski County? FHA allows up to $692,997 on two units and $1,041,072 on four in Pulaski County, with the same low 3.5% down for owner-occupants.
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Frequently Asked Questions
- What is the FHA loan limit in Pulaski County for 2026?
- In Pulaski County (Pulaski 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 Pulaski County with FHA?
- For a median-priced ($230,000) Pulaski County home, plan on income around $67,000 at a 31% housing ratio — about $1,728/month including taxes, insurance, and MIP.
- How much is the FHA down payment in Pulaski County?
- 3.5% with a 580+ score — roughly $8,050 on a $230,000 Pulaski County-area home. Gift funds are allowed.
- Is Pulaski County a high-cost FHA area?
- No — Pulaski County uses the $541,287 national floor for one unit.