Carroll County, AR
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.34, -93.54.
Assembled 2026-10-06. Read the brief.
- 62nd pct · 1,164th of 3,063 US counties · median $234,566
- 95th pct · 4th of 74 Arkansas counties · median $169,663
- 66th pct · 1,034th of 3,063 US counties · median +2.9%
- 73rd pct · 20th of 74 Arkansas counties · median +3.0%
- 5th pct · 1,318th of 1,399 US counties · median $1,496
- 19th pct · 18th of 22 Arkansas counties · median $1,127
- 56th pct · 1,411th of 3,221 US counties · median 8,232
- 71st pct · 22nd of 75 Arkansas counties · median 5,609
- 7th pct · 2,982nd of 3,221 US counties · median $1,039
- 17th pct · 62nd of 75 Arkansas counties · median $912
- 83rd pct · 513th of 3,063 US counties · median 4.3
- 100th pct · 1st of 74 Arkansas counties · median 3.6
Typical home value divided by the average annual wage of one covered job.
A percentile here is a min-max scaling of average rank: the smallest published value in the cohort is 0 and the largest is 100, and tied values share the average of the ranks they span. It is not the share of entities below the value, so 0 means smallest, not none below. Entities that did not publish the metric are outside the cohort entirely and are counted in neither the rank nor its denominator.
Home values #
Typical home $270,999 (Aug 2026), +4.4% over one year, +23.8% over five
- 62nd pct · 1,164th of 3,063 US counties · median $234,566
- 95th pct · 4th of 74 Arkansas counties · median $169,663
| Item | Value | Distance |
|---|---|---|
| Carroll County, AR | $270,999 · +4.4% 1-yr |
Zillow Home Value Index (ZHVI), typical value of homes in the 35th to 65th percentile, smoothed and seasonally adjusted; a model estimate of value, not a sale price. Data through Zillow Research.
Rents #
Typical rent $950/mo (Aug 2026), n/a over one year; price-to-rent 23.8
- 5th pct · 1,318th of 1,399 US counties · median $1,496
- 19th pct · 18th of 22 Arkansas counties · median $1,127
| Item | Value | Distance |
|---|---|---|
| Carroll County, AR | $950/mo · n/a 1-yr |
Zillow Observed Rent Index (ZORI), smoothed, all homes and multifamily; price-to-rent = typical home / (typical rent × 12).
What the typical home costs to carry #
Principal and interest of $1,483 a month on $270,999 at 7.28%, against an average weekly wage worth $3,506 a month: 42.3% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $270,999 × 80% = $216,799, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,483/mo principal and interest
- wage share = payment / (avg weekly wage $809 × 52 / 12 = $3,506) = 42% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $270,999 / ($809 × 52) = 6.4
- price-to-rent = $270,999 / ($950 × 12) = 23.8
The wage is one covered job’s average, not a household’s income, so this is the share of a single paycheque and not a mortgage underwriting ratio.
Estimate. Principal and interest on the typical home with 20% down over 30 years at this week's Freddie Mac average rate; compared with the average weekly wage of all jobs covered by unemployment insurance in the area (BLS QCEW), which is pay per job, not household income.
Jobs & wages #
10,619 jobs at 834 employers (2026 Q1); +1.6% jobs and +1.3% average weekly wage over the year
- 56th pct · 1,411th of 3,221 US counties · median 8,232
- 71st pct · 22nd of 75 Arkansas counties · median 5,609
| Item | Value | Distance |
|---|---|---|
| Carroll County, AR | 10,619 jobs · $809/wk · +1.6% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,388 | $836 | 3.97 | -2.4% |
| Accommodation and food services | 1,285 | $426 | 1.35 | -2.5% |
| Retail trade | 1,133 | $552 | 1.09 | +5.6% |
| Health care and social assistance | 810 | $1,000 | 0.51 | -1.7% |
| Construction | 448 | $1,000 | 0.80 | -2.8% |
| Administrative and waste services | 400 | $823 | 0.66 | +58.1% |
| Finance and insurance | 329 | $1,409 | 0.76 | +0.6% |
| Wholesale trade | 256 | $923 | 0.63 | +32.6% |
| Arts, entertainment and recreation | 217 | $411 | 1.24 | -1.8% |
| Other services | 157 | $623 | 0.49 | +4.7% |
| Real estate and rental | 66 | $599 | 0.41 | +32.0% |
| Educational services | 57 | $508 | 0.25 | +11.8% |
BLS Quarterly Census of Employment and Wages, all ownerships, total covered employment in the quarter's third month; over-the-year changes as published. Suppressed cells stay blank.
Drought #
D3 extreme drought
Sites found: 5, searched within 0 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 0 km away are not.
US Drought Monitor current week; the highest class of any polygon containing the point.
Reservoirs #
4 USGS reservoir gauges, no capacity figures to weight
Sites found: 4, searched within 150 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 150 km away are not.
| Site | Reading | Distance |
|---|---|---|
| USGS-07191285 | 58,320 Acre-ft (USGS, no capacity on file) | 125 km |
| USGS-07191300 | 25,830 Acre-ft (USGS, no capacity on file) | 135 km |
| USGS-07190000 | 1,306,000 Acre-ft (USGS, no capacity on file) | 135 km |
| USGS-07191400 | 213,900 Acre-ft (USGS, no capacity on file) | 148 km |
Σ(capacity × percent full) / Σ capacity over TWDB reservoirs within 150 km. Texas only; elsewhere USGS reservoir elevation/storage is listed without a capacity to normalise by.
Stream gauges #
49 gauges · 0 flooding · 13 with quality panels averaging 95 % · 20 stale
Sites found: 49, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
| Site | Reading | Distance |
|---|---|---|
| USGS-07050500 | flow 20.5 ft³/s · no flooding | 12 km |
| USGS-07053207 | stage 2.44 ft | 21 km |
| USGS-07053250 | flow 11.2 ft³/s | 21 km |
| USGS-07049698 | stage 2.98 ft | 28 km |
| USGS-07049691 | DO 5.50 mg/l · quality 100 % (2) · no flooding | 29 km |
| USGS-07049000 | flow 12.9 ft³/s · quality 100 % (5) | 32 km |
| USGS-07053450 | DO 3.00 mg/l · quality 75 % (2) · no flooding | 35 km |
| USGS-07053500 | flow 8,250 ft³/s · STALE | 36 km |
| USGS-07049050 | turb. 74.0 FNU · quality 83 % (3) · STALE | 37 km |
| USGS-07050152 | flow 16.0 ft³/s · no flooding | 38 km |
USGS latest readings screened against EPA freshwater criteria (DO ≥ 5 mg/L, pH 6.5–9, conductance, turbidity, temperature); NWS flood categories where a NWPS gauge is co-located.
Groundwater #
12 wells in 0 named aquifers:
Sites found: 12, searched within 75 km of this place’s internal point. That is a disc around a point, not the area itself: sites outside the boundary are included, and sites inside it further than 75 km away are not.
| Site | Reading | Distance |
|---|---|---|
| MO005-363728093150401 | depth 227.4 ft · 2026-10-04 | 41 km |
| MO005-364006093200301 | depth 381.8 ft · 2026-10-04 | 41 km |
| MO005-363855093134701 | depth 231.8 ft · 2026-10-04 | 44 km |
| MO005-364059093520001 | depth 323.1 ft · 2026-10-04 | 48 km |
| MO005-364453093543601 | depth 40.6 ft · 2026-10-04 | 56 km |
| MO005-364453093543602 | depth 320.6 ft · 2026-10-04 | 56 km |
| MO005-365415093342301 | depth 40.5 ft · 2026-10-04 | 63 km |
| MO005-365645093431601 | depth 98.7 ft · 2026-10-04 | 69 km |
USGS latest daily water levels. A single latest reading says where the table is, not which way it is moving; select a well for its 365-day trace.
Water stress #
moderate (0.50)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.2×0.05 / 0.55
Banks & federal dollars #
$1.0 bn in deposits at 18 offices of 5 banks (SOD June 2026); HHI 2,318, highly concentrated. $202.9 m federal obligations in FY2026 (direct payments $192.9 m, grants $7.9 m), $19,107 per covered job
| Item | Value | Distance |
|---|---|---|
| CS Bank | $324.7 m · 31.9% share · 4 offices | |
| Anstaff Bank | $269.2 m · 26.5% share · 5 offices | |
| Bank of 1889 | $179.5 m · 17.6% share · 5 offices | |
| Carroll, AR | $202.9 m FY2026 · $19,107/job | |
| MULTIPLE RECIPIENTS | $187.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| CS Bank | $324,675,000 | 31.9% | 4 |
| Anstaff Bank | $269,229,000 | 26.5% | 5 |
| Bank of 1889 | $179,483,000 | 17.6% | 5 |
| Equity Bank | $122,804,000 | 12.1% | 2 |
| Arvest Bank | $121,137,000 | 11.9% | 2 |
Deposit concentration is 2,318 across 5 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 5 banks with deposits in the county = 31.9² + 26.5² + 17.6² + … (2 more) = 2,318
FDIC Summary of Deposits: deposits at every insured office as of June 30, annual; HHI is the sum of squared county deposit shares (DOJ 1995 bank merger screen: 1000 / 1800). USAspending: obligations by place of performance for the latest complete federal fiscal year (Oct 1 to Sep 30), what agencies committed, not what they paid out; recipients are legal entities. Per-job divides obligations by BLS QCEW covered employment.
Federal obligations #
USAspending place-of-performance obligations for FY2026, by awarding agency.
| Awarding agency | Obligations |
|---|---|
| Social Security Administration | $167,439,155 |
| Department of Veterans Affairs | $19,390,209 |
| Department of Transportation | $7,518,368 |
| Department of Agriculture | $4,859,790 |
| Department of Defense | $1,956,020 |
| Railroad Retirement Board | $1,142,868 |
| Department of Health and Human Services | $399,995 |
| Department of Housing and Urban Development | $104,356 |
| Federal Communications Commission | $84,610 |
| Small Business Administration | $0 |
That is $19,107 per covered job, against 10,619 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $202.9 m / 10,619 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,107
USAspending obligations are recorded where the work is performed, so a prime award performed here is counted here even when the recipient is headquartered elsewhere. Recipients are legal entities, never people.
National context, not this county #
These are United States, single-gauge, single-state and port series. None of them is keyed to this county.
| Series | Latest | As of | Change |
|---|---|---|---|
| Mississippi River at Memphis, stage · ft | not published | not published | |
| Mississippi River at St. Louis, stage · ft | not published | not published | |
| Ohio River at Louisville, stage · ft | 12.28 | 2026-10-04 | -0.1% |
| Missouri River at St. Joseph, stage · ft | not published | not published | |
| Colorado River below Hoover Dam, flow (Hoover releases) · ft³/s | 5,170.00 | 2026-02-05 | -25.3% |
| Texas reservoirs, statewide percent full · % | 72.60 | 2026-10-05 | +0.1% |
| Laredo truck crossings, monthly · trucks | 258,700.00 | 2026-08-01 | -0.4% |
| Los Angeles + Long Beach container volume, annual · TEU | 10,513,167.00 | 2023-01-01 | -13.5% |
| Containerships waiting for a berth, all US ports · ships | 6.00 | 2026-09-22 | -14.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 6,830.00 | 2026-08-01 | +7.4% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 96.16 | 2026-09-29 | -3.2% |
| 30-year fixed mortgage rate · % | 7.28 | 2026-10-01 | +3.6% |
| Housing starts, annual rate · thousands of units | 1,275.00 | 2026-08-01 | -2.6% |
| Building permits, annual rate · thousands of units | 1,403.00 | 2026-08-01 | -2.1% |
| Case-Shiller US home price index · index, Jan 2000 = 100 | 337.31 | 2026-07-01 | +0.1% |
| Unemployment rate · % | 4.20 | 2026-09-01 | +2.4% |
| US goods and services trade balance, monthly · $ millions | -88,576.00 | 2026-07-01 | -24.4% |
| Retail sales excluding food services, monthly · $ millions | 646,347.00 | 2026-08-01 | +1.1% |
The indicator registry has no county-keyed series and no geographic selection: every entry is national, a named gauge, a single state or a port. They are here as the backdrop the county's own numbers move against, and they are never this county's readings.
What changed #
Carroll County, AR: 12 findings, 2 at a watch level and 10 noted
watchCarroll County, AR's price-to-rent ratio of 23.8 ranks 135th of 1,399 US counties, a watch level here: price-to-rent in the top tenth of US counties (position among the counties that published both ZHVI and ZORI this month; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-08.Show the arithmetic
- test: priceToRent percentile = 90.41487839771102 >= 90
- typical home value / (typical rent × 12); Zillow ZHVI over ZORI, same month
position among the counties that published both ZHVI and ZORI this month; not an official level
watchCarroll County, AR's typical home value of $270,999 scores 62 on the 0-to-100 scale across US counties but 96 across Arkansas counties, a gap of 34 points.
Period 2026-08.Show the arithmetic
- 34 = |62 across US counties - 96 across Arkansas counties|
position among the entities that published this metric this period; not an official level
noteCarroll County, AR's covered employment was 1.6% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +1.6 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteCarroll County, AR's average weekly wage was 1.3% higher than the same quarter a year earlier in 2026 Q1, on BLS QCEW's published over-the-year change.
Period 2026 Q1.Show the arithmetic
- +1.3 % = BLS QCEW over-the-year percent change for 2026 Q1, as published
- the newest QCEW file carries no year-earlier level, so no move from one level to another is printed
BLS QCEW over-the-year percent change, as published
noteCarroll County, AR's typical home value rose 0.5% from $269,607 in July 2026 to $270,999 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.5% = (270998.9343339463 - 269606.6390526944) / 269606.6390526944 × 100
- 270998.9343339463 = Zillow ZHVI, 2026-08
- 269606.6390526944 = Zillow ZHVI, 2026-07
Read all 12 findings in the full brief
Every finding is produced by a fixed rule table and a fixed sentence for each rule. Nothing here is generated prose.