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Foreclosure and tax sales in Arkansas

What our research shows about Arkansas's rules. General information with sources — not legal advice, and not a reading of your papers.

BasicThe essentials, each with its source. General deadlines only.Research last reviewed 2026-09-22

Your state

How foreclosure works

Usual process: Nonjudicial (out of court)
From a reputable summary[1][2]
Allowed processes: Judicial (through court) · Nonjudicial (out of court)
From a reputable summary[1]
Main statutes: Ark. Code § 18-50-103; Ark. Code § 18-50-104; Ark. Code § 18-50-105; Ark. Code § 18-50-107; Ark. Code § 18-50-112; Ark. Code § 18-50-114
From a reputable summary[1]
Typical length (estimate): Not researched yet for this state.

+At least 120 days
Federal rule: the servicer generally cannot make the first foreclosure notice or filing until you are more than 120 days behind
Applies to most home loans in every state. A complete loss-mitigation application sent more than 37 days before a sale also triggers federal protections.
Checked against the official text12 CFR § 1024.41(f)(1)
Notice of default — must come at least 60 days before the sale
Under the Statutory Foreclosure Act the lender records a notice of default and intention to sell at least 60 days before the sale and mails it (certified and first-class) within 30 days after recording.
From a reputable summary
Notice of sale (published / mailed)
Notice runs in a newspaper for four consecutive weeks before the sale, is posted at the courthouse and published online.
From a reputable summary
Foreclosure sale
Between 9:00 a.m. and 4:00 p.m., at the property or the front door of the county courthouse, and not on a Saturday, Sunday or legal holiday.
From a reputable summary
No right to redeem after the sale
No redemption after a statutory (nonjudicial) sale.
From a reputable summary

A general sequence built from the rules above. "At least" periods are the shortest we found; your case can take longer.

Notice before foreclosure: At least 60 daysUnder the Statutory Foreclosure Act the lender records a notice of default and intention to sell at least 60 days before the sale and mails it (certified and first-class) within 30 days after recording.
Ark. Code § 18-50-104
From a reputable summary[1]
Notice of sale: Notice runs in a newspaper for four consecutive weeks before the sale, is posted at the courthouse and published online.
Ark. Code § 18-50-105
From a reputable summary[1]
Publication: Newspaper for four consecutive weeks; courthouse posting; internet.
From a reputable summary[1]
When sales happen: Between 9:00 a.m. and 4:00 p.m., at the property or the front door of the county courthouse, and not on a Saturday, Sunday or legal holiday.
Ark. Code § 18-50-107
From a reputable summary[1]

Catching up (reinstatement): You may reinstate before the sale.
Ark. Code § 18-50-114
From a reputable summary[1][2]
Buying the home back (redemption): NoNo redemption after a statutory (nonjudicial) sale.
From a reputable summary[2]
Owing money after the sale (deficiency): LimitedAllowed by lawsuit filed within 12 months of the sale, limited to the lesser of the debt minus fair market value or the debt minus the sale price. Bids under two-thirds of the debt cannot be accepted at the sale.
Ark. Code §§ 18-50-107, 18-50-112
From a reputable summary[1]
Mediation: Not researched yet for this state.

Tax sale system: Forfeiture to the government
From a reputable summary[3]
How it works: Taxes are due Oct. 15. If still unpaid by the certification date (no later than July 1 of the next year), title is certified to the Commissioner of State Lands, who later sells the property at public auction (at least one year after certification).
From a reputable summary[3]
Redeeming after a tax sale: You can redeem from the state until 4:00 p.m. (Central) on the last business day before the Commissioner’s sale. A lawsuit challenging the sale generally must be filed within 90 days after the new owner gets the deed.
Ark. Code §§ 26-37-202, 26-37-203
From a reputable summary[3]
Relief programs: Homestead Property Tax Credit — Lowers tax on your primary residence; owners 65+ or disabled may qualify for more relief.
From a reputable summary[3]
Payment plans: Payment plans may be available — ask the county collector.
From a reputable summary[3]
Surplus after a tax sale: Not researched yet for this state.

Federal exemption list: You may choose the federal list
You may choose the federal bankruptcy exemption list (11 U.S.C. § 522(d)) instead of the state list — one list or the other, never a mix.
From a reputable summary[4]
Homestead exemption: Unlimited (within acreage limits)Unlimited value within the acreage limits, but only for a resident who is married or head of a family.(Ark. Const. art. 9, §§ 3-5)
From a reputable summary[5]

Free legal aid (LSC-funded): Legal Aid of Arkansas, Inc.
Checked against the official text[7]
Legal help website: Legal Aid of Arkansas
Checked against the official text[8]
State housing agency: Arkansas Development Finance Authority
Checked against the official text[6]
Attorney general / consumer protection: Arkansas Attorney General — Consumer Protection
Checked against the official text[9]
Court self-help: Arkansas Judiciary
Checked against the official text[10]
HUD-approved housing counselors: HUD-approved housing counseling agencies — Free or low-cost, HUD-approved housing counselors in every state. Call or search by ZIP code.

Retrieved 2026-09-22. Official texts are marked “official”; summaries are marked “summary”.