72104 — Garland County, Arkansas Market Snapshot
Housing market data for zip code 72104 in Garland County, Arkansas. Updated monthly with median prices, days on market, and more.
Market Sales Data
52 sales in 2026 (year to date)
Median Sale Price
$169,750
Days to Sell
70
Homes Sold
52
Inventory
68
Sale-to-List
96.6%
New Listings
64
Price/SqFt
$125
Pending Sales
57
Conforming Loan Available
Most homebuyers in 72104 can comfortably use conventional financing. The median home price of $169,750 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, 72104 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
The average home in 72104 sells for 3.4% below asking price (96.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 72104 can comfortably use conventional financing. The median home price of $169,750 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 72104 are set at the county level.
2026 Loan Limits — Garland 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 72104
To purchase the median home at $169,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,451.
Monthly Payment
$1,451
Income Required
$62,168
Principal & Interest
$1,046/mo
Down Payment (5%)
$8,488
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 72104.
Estimated Monthly Payment
$1,201
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