The story of this market
The typical home in Fulton County, Arkansas sells for about $187,000, or $152 per square foot.
Prices are down 5.6% from a year ago, which gives buyers more room to negotiate. Homes take about 111 days to sell, which is slow. Over the long run, values in this county have grown 167% since 2001. The biggest natural hazard here is ice storm, which FEMA rates very high. HUD's fair market rent for a two-bedroom is $909 a month.
HUD sets the fair market rent for a 2-bedroom at $909 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively High.
Price climate
Every year of price change, 2001–2025
+55.2%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2025 (+55.2%). Worst: 2024 (-18.9%). Hover to read a year.
Monthly price momentum
Home values since 2015
+2.7%
AR · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,195
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2001–2025
+55.2%
2025 change
FHFA repeat-sales index, median of 1 census tracts in this county (2001 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
90
Relatively High
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $9,357,668.
Mortgage activity
Home lending in this county
75.1%
2019 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 271 | 129 | 70.1% | 9.5% | $125,000 |
| 2019 | 334▲ | 160▲ | 75.1%▲ | 5.4% | $135,000▲ |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Fulton County, Arkansas
The Fulton County housing market is adjusting to elevated borrowing costs, showing softening median sale prices and longer listing durations above 100 days. While active inventory remains manageable, buyer demand is measured, leading sellers to accept negotiated discounts from original list prices.
1 distress filing(s) on the ARED verified county foreclosure ledger. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 6 cities · 8 ZIP reports
Median prices moved sideways 0.0% year over year.
Homes spend a median of 0 days on market with 0.1 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 0.48% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.1% · poverty 17.8% — a stable, low-distress profile.
Deterministic aggregate of 7 researched ZIP reports of 8 — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Fulton County, Arkansas — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 7.2%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 28
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| 72512 | Horseshoe Bend | $165,000 | $115 | +3.2% | 98 | 96% | 12% | 18 | 377 | $950 | researched Sep 28 |
| 72517 | Brockwell | — | $627 | — | — | — | — | — | — | — | researched Sep 28 |
| 72537 | Gamaliel | $136,173 | — | — | — | — | — | — | 16 | $572 | researched Sep 28 |
| 72538 | Gepp | $145,000 | $108 | +2.1% | 62 | 97.2% | 12.5% | 3.4 | 48 | $850 | researched Sep 28 |
| 72542 | Hardy | $60,000 | — | — | — | — | — | — | 117 | $909 | researched Sep 28 |
| 72554 | Mammoth Spring | $125,900 | — | — | — | — | — | — | — | $909 | researched Sep 28 |
| 72576 | Salem | $177,068 | $104 | +2.4% | 112 | 96.5% | 12% | 8.4 | 48 | $792 | researched Sep 28 |
| 72583 | Viola | $175,000 | $112 | -50% | 163 | 98% | 40% | 2.5 | 5 | $850 | researched Sep 28 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Fulton County experiences relatively low violent and property crime rates compared to both Arkansas statewide and national averages, reflecting its rural Ozark regional setting.
The county is served primarily by public districts including Salem School District, Mammoth Spring School District, and Viola School District, which generally achieve average to above-average state academic accountability metrics.
FEMA flood risk is mostly concentrated along the Spring River, South Fork, and small creek lowlands, while overall wildfire hazard is moderate and severe convective wind/hail events remain common seasonal risks.
Economic expansion is modest, anchored primarily by local school districts, county government, agriculture, timber, and outdoor recreation tourism along the Spring River corridor.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Arkansas) — Arkansas Disabled Veteran Total Property Tax Exemption: Provides a 100% exemption from all ad valorem real property taxes on the principal homestead. Formula: Net Ad Valorem Tax Due = $0.00. State (Arkansas) — Arkansas Senior and Disabled Assessment Freeze: Freezes the assessed taxable value of the homestead at the prevailing assessed value at the time the owner becomes eligible or purchases the property. State (Arkansas) — Arkansas State Homestead Property Tax Credit: Provides a direct reduction against ad valorem property taxes up to $350.00 (increased to $350 by Act 655 of 2009; further statutory increases may apply up to $425 depending on legislative session). Formula: Final Tax Due = max($0, Gross Ad Valorem Tax - Homestead Credit). State (Arkansas) — Arkansas Amendment 79 Assessment Growth Caps (Assessment Limitation): Caps annual assessed value growth following a countywide reappraisal: homestead parcel taxable assessments cannot increase by more than 5% per year, and non-homestead residential parcel taxable assessments cannot increase by more than 10% per year until taxable assessment reaches… State (Arkansas) — Arkansas Ad Valorem Property Tax Assessment Ratio and Valuation: Imposes an ad valorem property tax based on a uniform statutory assessment ratio of 20% of true market value.
The Fulton County economy revolves around agricultural operations, cattle production, forestry, public education, local healthcare facilities, and seasonal outdoor tourism.
Major vehicular transit relies heavily on U.S. Route 62/412 traversing east-west and U.S. Route 63 traversing north-south, connecting the county to West Plains, MO and Mountain Home, AR.
Development across the county consists predominantly of low-density single-family construction, rural farmsteads, and localized commercial development along Highway 62 and Highway 63.
The Fulton County Assessor's office performs periodic cyclical mass appraisals to establish fair market value, applying the statutory 20% assessment ratio pursuant to Arkansas Assessment Coordination Division guidelines.
Parcels are subject to county general, municipal, county road, and respective local independent school district millages; select parcels along waterways may incur local drainage or improvement assessments.
Homeowners insurance rates have risen moderately across northern Arkansas due to convective storms and hail risks, but overall premiums remain lower than coastal and tornado-alley averages.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
Contains one of the world's largest single natural springs discharging nine million gallons of water hourly into Spring River.
Major Ozark trout and canoeing river flowing through eastern Fulton County.
Popular regional corridor for smallmouth bass fishing, kayaking, and camping near Saddle and Salem.
Data retrieved from Census ACS 5-year profile for Fulton County, AR.
Caps annual assessed value growth following a countywide reappraisal: homestead parcel taxable assessments cannot increase by more than 5% per year, and non-homestead residential parcel taxable assessments cannot increase by more than 10% per year until taxable assessment reaches 20% of full market value. Growth limitations do not apply to new construction or substantial improvements, and uncapping to full 20% market value occurs upon an arm's-length sale pursuant to Ark. Code Ann. § 26-26-1123.
Adopted via Ark. Const. amend. 79 (effective 2000) and codified at Ark. Code Ann. §§ 26-26-1120 through 26-26-1123.
applies when — Residential parcels bound by recorded covenants, conditions, and restrictions (CC&Rs) establishing a property owners association (POA) or homeowners association (HOA).
Binds title to mandatory common-expense assessments, architectural controls, and association bylaws. Because Arkansas lacks a dedicated standalone single-family HOA statutory code, associations incorporate and operate under the Arkansas Nonprofit Corporation Act (Ark. Code Ann. §§ 4-33-101 et seq.). Covenants running with the land grant the association power to place statutory/contractual assessment liens on defaulting parcels and pursue foreclosure under covenant terms.
Ark. Code Ann. §§ 4-33-101 et seq.; Horizontal Property Act (for condominiums) Ark. Code Ann. §§ 18-13-101 et seq.
applies when — Homestead parcel owned by an individual who is 65 years of age or older, or who is permanently and totally disabled.
Freezes the assessed taxable value of the homestead at the prevailing assessed value at the time the owner becomes eligible or purchases the property. The taxable assessed value remains fixed and does not rise with subsequent reassessments unless the property undergoes substantial improvement or changes ownership outside of exempt transfers.
Ark. Const. amend. 79, § 1; Ark. Code Ann. § 26-26-1120.
applies when — Parcel must be an owner-occupied single-family residence designated as the taxpayer's principal place of residence (homestead).
Provides a direct reduction against ad valorem property taxes up to $350.00 (increased to $350 by Act 655 of 2009; further statutory increases may apply up to $425 depending on legislative session). Formula: Final Tax Due = max($0, Gross Ad Valorem Tax - Homestead Credit). Credit is non-refundable and cannot reduce the net tax below zero.
Ark. Const. amend. 79, § 3; Ark. Code Ann. § 26-26-1118.
applies when — Applies to residential parcels where the lender elects judicial foreclosure in circuit court or where the security instrument lacks a power of sale.
Requires a civil complaint, judicial hearing, and entry of a foreclosure judgment followed by a commissioner's sale. Under Ark. Code Ann. § 18-49-106, mortgagors have a statutory one-year redemption period following a judicial foreclosure sale unless the right of redemption was expressly waived in the underlying mortgage instrument (which is common practice in commercial instruments but legally distinct in residential equity protections).
Ark. Code Ann. §§ 18-49-101 through 18-49-106.
applies when — Applies to residential parcels encumbered by a mortgage or deed of trust containing an express power-of-sale clause upon borrower default.
Enables non-judicial foreclosure without court intervention. Requires the mortgagee/trustee to record and mail a Notice of Default and Intention to Sell at least 60 days prior to the scheduled sale date, publish notice once a week for four consecutive weeks, and post notice at the courthouse and online. The borrower retains a statutory right of reinstatement by curing default up to the time of sale. Once the trustee's deed is executed upon sale, statutory post-sale redemption rights are fully extinguished.
Arkansas Statutory Foreclosure Act, Ark. Code Ann. §§ 18-50-101 et seq.
Imposes an ad valorem property tax based on a uniform statutory assessment ratio of 20% of true market value. Tax Calculation Formula: Assessed Value = Appraised Market Value * 0.20; Gross Tax = Assessed Value * (Total Millage Rate / 1,000); Net Tax Due = Gross Tax - Applicable Credits. Millage includes a mandatory statewide minimum 25 mills Uniform Rate of Tax (URT) for school maintenance and operations under Ark. Const. art. 14, plus local county, municipal, and voter-approved millages.
Codified under Ark. Const. art. 14, art. 16, § 5; Ark. Code Ann. §§ 26-24-104, 26-26-303, and 26-26-1201.
applies when — Parcels situated within incorporated municipal boundaries, extraterritorial planning jurisdictions, or counties with active planning commissions.
Submits residential parcels to police power land-use controls, setback requirements, density maximums, building height caps, and subdivision dedication mandates established by local planning commissions pursuant to state enabling acts. Municipalities may enforce zoning and subdivision controls within up to 5 miles of their corporate limits (extraterritorial jurisdiction).
Ark. Code Ann. §§ 14-56-401 et seq. (Municipal Planning) and §§ 14-17-201 et seq. (County Planning).
Arkansas adheres to the common law doctrine of 'caveat emptor' (buyer beware) for unrepresented private sellers, meaning there is no state statutory requirement forcing a seller to provide a formal written property condition disclosure. However, if a licensed real estate broker or salesperson is involved in the transaction, Arkansas Real Estate Commission (AREC) regulations require affirmative disclosure of all known material adverse facts and defects affecting the property, and common law bars fraudulent concealment or active misrepresentation by sellers.
Arkansas Real Estate Commission Regulations; common law caveat emptor doctrine reaffirmed in AREC published guidance.
applies when — Homestead parcel owned by a veteran certified by the U.S. Department of Veterans Affairs as 100% totally and permanently service-connected disabled, or an un-remarried surviving spouse/minor children.
Provides a 100% exemption from all ad valorem real property taxes on the principal homestead. Formula: Net Ad Valorem Tax Due = $0.00.
Ark. Code Ann. § 26-3-306.
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.