ADFA Income Limits, All 75 Arkansas Counties
Program and regulatory figures verified October 6, 2026. Details change; confirm your scenario with us.
These are StartSmart's limits. Move-Up uses a single statewide figure instead, which is a very different shape and catches people out.
How to read the table
- Targeted counties waive StartSmart's first-time buyer requirement for everyone. What that means.
- Limits are on household income and vary with how many people are in the household.
- The $500,000 purchase price limit applies statewide, on the same schedule.
★ These apply to StartSmart only. Move-Up ignores this table entirely and uses one statewide cap of $142,000 — which is well above every figure below, and is why a household over the county limit is not out of options.
2026 StartSmart income limits by county
| County | Status | 1–2 members | 3 or more |
|---|---|---|---|
| Arkansas | Non-targeted | $88,080 | $102,760 |
| Ashley | Non-targeted | $85,320 | $99,540 |
| Baxter | Non-targeted | $85,320 | $99,540 |
| Benton | Non-targeted | $106,900 | $122,935 |
| Boone | Non-targeted | $88,320 | $103,040 |
| Bradley | Targeted | $99,960 | $116,620 |
| Calhoun | Targeted | $100,680 | $117,460 |
| Carroll | Non-targeted | $93,120 | $108,640 |
| Chicot | Targeted | $99,960 | $116,620 |
| Clark | Targeted | $99,960 | $116,620 |
| Clay | Non-targeted | $85,320 | $99,540 |
| Cleburne | Targeted | $99,960 | $116,620 |
| Cleveland | Non-targeted | $93,960 | $109,620 |
| Columbia | Targeted | $99,960 | $116,620 |
| Conway | Targeted | $99,960 | $116,620 |
| Craighead | Non-targeted | $90,720 | $105,840 |
| Crawford | Targeted | $99,960 | $116,620 |
| Crittenden | Targeted | $111,240 | $129,780 |
| Cross | Targeted | $99,960 | $116,620 |
| Dallas | Targeted | $99,960 | $116,620 |
| Desha | Targeted | $99,960 | $116,620 |
| Drew | Targeted | $99,960 | $116,620 |
| Faulkner | Non-targeted | $102,595 | $117,984 |
| Franklin | Non-targeted | $90,360 | $105,420 |
| Fulton | Non-targeted | $85,320 | $99,540 |
| Garland | Non-targeted | $96,480 | $112,560 |
| Grant | Non-targeted | $102,915 | $118,352 |
| Greene | Non-targeted | $85,320 | $99,540 |
| Hempstead | Non-targeted | $85,320 | $99,540 |
| Hot Spring | Non-targeted | $89,280 | $104,160 |
| Howard | Non-targeted | $85,320 | $99,540 |
| Independence | Non-targeted | $85,320 | $99,540 |
| Izard | Non-targeted | $85,320 | $99,540 |
| Jackson | Non-targeted | $85,320 | $99,540 |
| Jefferson | Targeted | $99,960 | $116,620 |
| Johnson | Non-targeted | $85,320 | $99,540 |
| Lafayette | Targeted | $99,960 | $116,620 |
| Lawrence | Non-targeted | $85,320 | $99,540 |
| Lee | Targeted | $99,960 | $116,620 |
| Lincoln | Targeted | $99,960 | $116,620 |
| Little River | Non-targeted | $91,680 | $106,960 |
| Logan | Non-targeted | $93,960 | $109,620 |
| Lonoke | Non-targeted | $102,595 | $117,984 |
| Madison | Targeted | $128,280 | $149,660 |
| Marion | Non-targeted | $85,320 | $99,540 |
| Miller | Non-targeted | $100,440 | $117,180 |
| Mississippi | Targeted | $99,960 | $116,620 |
| Monroe | Targeted | $99,960 | $116,620 |
| Montgomery | Non-targeted | $85,320 | $99,540 |
| Nevada | Targeted | $99,960 | $116,620 |
| Newton | Non-targeted | $85,320 | $99,540 |
| Ouachita | Targeted | $99,960 | $116,620 |
| Perry | Targeted | $112,440 | $131,180 |
| Phillips | Targeted | $99,960 | $116,620 |
| Pike | Non-targeted | $86,160 | $100,520 |
| Poinsett | Non-targeted | $85,320 | $99,540 |
| Polk | Non-targeted | $85,320 | $99,540 |
| Pope | Non-targeted | $90,120 | $105,140 |
| Prairie | Targeted | $101,280 | $118,160 |
| Pulaski | Non-targeted | $102,595 | $117,984 |
| Randolph | Non-targeted | $85,320 | $99,540 |
| Saline | Non-targeted | $102,595 | $117,984 |
| Scott | Targeted | $99,960 | $116,620 |
| Searcy | Targeted | $99,960 | $116,620 |
| Sebastian | Non-targeted | $92,160 | $107,520 |
| Sevier | Non-targeted | $85,320 | $99,540 |
| Sharp | Non-targeted | $85,320 | $99,540 |
| St. Francis | Targeted | $99,960 | $116,620 |
| Stone | Non-targeted | $85,320 | $99,540 |
| Union | Non-targeted | $91,080 | $106,260 |
| Van Buren | Non-targeted | $85,320 | $99,540 |
| Washington | Non-targeted | $106,900 | $122,935 |
| White | Targeted | $99,960 | $116,620 |
| Woodruff | Targeted | $99,960 | $116,620 |
| Yell | Non-targeted | $88,680 | $103,460 |
How these were verified
Four checks, because agency PDFs have misled us before:
- Extracted per word with column positions mapped. ADFA's text layer returns the columns out of order — the targeted flags and the 3-or-more figures come before the county names. A naive read mis-assigns every single figure.
- Rendered to an image at 3× and read back. The rendered rows match the extracted values exactly, so this PDF carries no digit shift.
- ★ Cross-validated against ADFA's prose. The schedule flags exactly 30 counties targeted, and those thirty match the list ADFA publishes separately on its StartSmart page — name for name. Two independent publications agreeing is stronger than either alone.
- Arithmetic on every row: the 3-or-more limit must exceed the 1–2 limit. Zero failures across 75 rows.
Clearing the limit is not the whole test
You still need the 640 credit minimum, a property inside the $500,000 cap and within ADFA's property rules, and either first-time status or one of its two exemptions. The full picture.
Frequently asked questions
What are the ADFA income limits in Arkansas?
They run by county and household size, effective 06/01/2026, from $85,320 in many counties up to $106,900 in Benton County for a household of one or two members. Thirty of the 75 counties are federally targeted.Do ADFA income limits apply to the Move-Up program?
No. The county table applies to StartSmart. Move-Up uses a single statewide qualifying income cap of $142,000, which is well above every county figure, so a household over its county's StartSmart limit may still qualify for Move-Up.What is the ADFA purchase price limit in Arkansas?
$500,000 on StartSmart, printed on the same income limits schedule effective 06/01/2026. Move-Up instead uses the Arkansas conventional conforming loan limit.Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content about financing, not a loan commitment and not tax or legal guidance. ADFA program terms, income limits and purchase price limits are set by the Arkansas Development Finance Authority and change; figures here carry the date we verified them against ADFA's published documents. ADFA down payment assistance is a second mortgage matching the first mortgage over a 10-year term, which means it carries a monthly payment; it is not a grant. Loans are subject to borrower and property qualification.