Arkansas VA Loans
Deciding to purchase a house in Arkansas is a huge financial decision, but with the unique benefits provided by the VA loan, your dream of homeownership just got that much easier.
With the average listing price of a home in Arkansas landing at $278,352, the VA loan’s signature $0-money-down benefit is a considerable advantage for Arkansas homebuyers.
See also: VA Loan Options for Other States
How to get a VA Loan in Arkansas
VA loans are made by private lenders and guaranteed by the Department of Veterans Affairs. Because private lenders make the loans and not the VA, you need to find a lender licensed in the state you plan to purchase or refinance.
For example, if you're purchasing a home in Little Rock, AR, you'll need to find a lender licensed in Arkansas to do the loan.
Other Considerations for Getting a VA Loan in Arkansas
VA borrowers in Arkansas should also consider the cost and impact of VA loan limits and property taxes when making their home purchase.
Arkansas VA Loan Limits
VA borrowers in Arkansas with their full VA loan entitlement are not restricted by VA loan limits. This means you can borrow as much as a lender is willing to lend without needing a down payment.
However, Veterans without their full VA loan entitlement are still bound to Arkansas’s VA loan limits.
As of January 1, 2025, VA loan limits for all counties in Arkansas are $806,500.
Property Taxes in Arkansas
Another consideration for VA buyers in Arkansas is property taxes. For certain VA buyers, there are exemptions
You may be eligible for a property tax exemption in Arkansas if you meet one of the following conditions as a result of service:
- Lost the use of one or more limbs
- Blind in one or both eyes
- 100 percent permanently disabled
If you are required to pay property tax in Arkansas, the American Community Survey by the U.S. Census Bureau estimates you may pay the following in each county:
| County | Property Tax Rate |
|---|---|
| Arkansas County | 0.63% |
| Ashley County | 0.59% |
| Baxter County | 0.54% |
| Benton County | 0.75% |
| Boone County | 0.60% |
| Bradley County | 0.66% |
| Calhoun County | 0.58% |
| Carroll County | 0.73% |
| Chicot County | 0.67% |
| Clark County | 0.60% |
| Clay County | 0.63% |
| Cleburne County | 0.51% |
| Cleveland County | 0.58% |
| Columbia County | 0.52% |
| Conway County | 0.54% |
| Craighead County | 0.57% |
| Crawford County | 0.61% |
| Crittenden County | 0.63% |
| Cross County | 0.61% |
| Dallas County | 0.56% |
| Desha County | 0.71% |
| Drew County | 0.56% |
| Faulkner County | 0.64% |
| Franklin County | 0.56% |
| Fulton County | 0.49% |
| Garland County | 0.55% |
| Grant County | 0.48% |
| Greene County | 0.60% |
| Hempstead County | 0.52% |
| Hot Spring County | 0.59% |
| Howard County | 0.53% |
| Independence County | 0..64% |
| Izard County | 0.64% |
| Jackson County | 0.53% |
| Jefferson County | 0.64% |
| Johnson County | 0.55% |
| Lafayette County | 0.62% |
| Lawrence County | 0.51% |
| Lee County | 0.50% |
| Lincoln County | 0.55% |
| Little River County | 0.51% |
| Logan County | 0.57% |
| Lonoke County | 0.68% |
| Madison County | 0.47% |
| Marion County | 0.54% |
| Miller County | 0.66% |
| Mississippi County | 0.57% |
| Monroe County | 0.60% |
| Montgomery | 0.44% |
| Nevada County | 0.55% |
| Newton County | 0.48% |
| Ouachita County | 0.61% |
| Perry County | 0.58% |
| Phillips County | 0.55% |
| Pike County | 0.55% |
| Pope County | 0.61% |
| Prairie County | 0.67% |
| Pulaski County | 0.82% |
| Randolph County | 0.44% |
| St. Francis County | 0.58% |
| Saline County | 0.72% |
| Scott County | 0.52% |
| Searcy County | 0.42% |
| Sebastian County | 0.67% |
| Sevier County | 0.56% |
| Sharp County | 0.52% |
| Stone County | 0.36% |
| Union County | 0.67% |
| Van Buren County | 0.55% |
| Washington County | 0.71% |
| White County | 0.50% |
| Woodruff County | 0.59% |
| Yell County | 0.66% |
How VA Loans Work in Arkansas
View the graphic below to learn more about how VA loans work in Arkansas.
