72206 — Saline County, Arkansas Market Snapshot
Housing market data for zip code 72206 in Saline County, Arkansas. Updated monthly with median prices, days on market, and more.
Market Sales Data
40 sales in 2026 (year to date)
Median Sale Price
$187,450
Days to Sell
69
Homes Sold
40
Inventory
104
Sale-to-List
95.3%
New Listings
83
Price/SqFt
$118
Pending Sales
57
Conforming Loan Available
Most homebuyers in 72206 can comfortably use conventional financing. The median home price of $187,450 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 69 days on average, 72206 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 72206 sells for 4.7% below asking price (95.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 72206 can comfortably use conventional financing. The median home price of $187,450 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 72206 are set at the county level.
2026 Loan Limits — Saline 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 72206
To purchase the median home at $187,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,586.
Monthly Payment
$1,586
Income Required
$67,979
Principal & Interest
$1,155/mo
Down Payment (5%)
$9,373
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 72206.
Estimated Monthly Payment
$1,310
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