72104 — Hot Spring County, Arkansas Market Snapshot
Housing market data for zip code 72104 in Hot Spring 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
Within Conforming Limit Estimate
At 5% down, the estimated base loan for the $169,750 median-priced home in 72104 is $161,263. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Market Insights
Market Temperature
The median listing-to-close time for the reported sales in 72104 is 70 days. Use this measure with the sale count, property type, condition, price range, and inventory. It does not predict competition or negotiation results for a specific home.
Sale-to-List Ratio
The reported average sale-to-list ratio in 72104 is 96.6%, or 3.4% below the last list price. This aggregate does not predict negotiation results for a specific home.
Conforming Loan Feasibility
At 5% down, the estimated base loan for the $169,750 median-priced home in 72104 is $161,263. The 2026 conforming limit is $832,750. The limit applies to the loan amount, not the home price. This estimate does not determine loan eligibility, approval, rate, fees, or mortgage insurance.
Loan limits in 72104 are set at the county level.
2026 Loan Limits — Hot Spring 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 the assumed 6.75% rate, the estimated monthly payment is approximately $1,518.
Monthly Payment
$1,518
Income Required
$65,047
Principal & Interest
$1,046/mo
Property Tax
$255/mo
Home Insurance
$150/mo
Estimated PMI
$67/mo
Down Payment (5%)
$8,488
Assumes a 30-year fixed loan at 6.75%, 1.8% property tax, $1,800 annual insurance, and a 28% housing-to-income planning ratio. Planning estimate only. The income figure divides the displayed monthly housing estimate by a 28% housing-to-income ratio. It is not an approval rule. The mortgage insurance estimate uses 0.5% of the loan amount per year. Actual rates, taxes, insurance, mortgage insurance, HOA or condo dues, closing costs, repairs, utilities, other debts, and approval rules can differ. Compare actual terms and your Loan Estimate.
Mortgage Calculator
Estimate your monthly payment for a home in 72104.
Estimated Monthly Payment
$1,201
Estimates only. Actual payments, taxes, insurance, mortgage insurance, rates, and loan terms can differ. This calculator is not a loan offer.
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