72178 — White County, Arkansas Market Snapshot
Housing market data for zip code 72178 in White County, Arkansas. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the White County county page for broader data.
Market Sales Data
2 sales in 2025
Median Sale Price
$140,970
Days to Sell
43
Homes Sold
2
Inventory
N/A
Conforming Loan Available
Most homebuyers in 72178 can comfortably use conventional financing. The median home price of $140,970 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
72178's market is balanced with homes taking an average of 43 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 72178 can comfortably use conventional financing. The median home price of $140,970 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 72178 are set at the county level.
2026 Loan Limits — White 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 72178
To purchase the median home at $140,970 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,230.
Monthly Payment
$1,230
Income Required
$52,717
Principal & Interest
$869/mo
Down Payment (5%)
$7,049
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 72178.
Estimated Monthly Payment
$1,022
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