Izard County, AR
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.09, -91.91.
Assembled 2026-10-06. Read the brief.
- 25th pct · 2,276th of 3,063 US counties · median $234,566
- 54th pct · 34th of 74 Arkansas counties · median $169,663
- 60th pct · 1,209th of 3,063 US counties · median +2.9%
- 60th pct · 30th of 74 Arkansas counties · median +3.0%
- US counties: not published this period
- Arkansas counties: not published this period
- 23rd pct · 2,467th of 3,221 US counties · median 8,232
- 22nd pct · 58th of 75 Arkansas counties · median 5,609
- 14th pct · 2,761st of 3,221 US counties · median $1,039
- 37th pct · 47th of 75 Arkansas counties · median $912
- 41st pct · 1,800th of 3,063 US counties · median 4.3
- 58th pct · 31st 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 $174,880 (Aug 2026), +3.9% over one year, +20.0% over five
- 25th pct · 2,276th of 3,063 US counties · median $234,566
- 54th pct · 34th of 74 Arkansas counties · median $169,663
| Item | Value | Distance |
|---|---|---|
| Izard County, AR | $174,880 · +3.9% 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 #
Zillow publishes no rent index for this area (ZORI covers about 1,400 counties)
- US counties: not published this period
- Arkansas counties: not published this period
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 $957 a month on $174,880 at 7.28%, against an average weekly wage worth $3,766 a month: 25.4% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $174,880 × 80% = $139,904, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $957/mo principal and interest
- wage share = payment / (avg weekly wage $869 × 52 / 12 = $3,766) = 25% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $174,880 / ($869 × 52) = 3.9
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 #
2,882 jobs at 264 employers (2026 Q1); +2.1% jobs and +8.5% average weekly wage over the year
- 23rd pct · 2,467th of 3,221 US counties · median 8,232
- 22nd pct · 58th of 75 Arkansas counties · median 5,609
| Item | Value | Distance |
|---|---|---|
| Izard County, AR | 2,882 jobs · $869/wk · +2.1% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 337 | $575 | 1.20 | -2.3% |
| Professional and technical services | 231 | $1,436 | 1.16 | +131.0% |
| Accommodation and food services | 132 | $359 | 0.51 | +2.3% |
| Manufacturing | 121 | $830 | 0.52 | -11.0% |
| Transportation and warehousing | 102 | $1,283 | 0.84 | -9.7% |
| Wholesale trade | 100 | $614 | 0.91 | +72.4% |
| Real estate and rental | 100 | $585 | 2.26 | +2.0% |
| Finance and insurance | 80 | $1,581 | 0.68 | +17.6% |
| Administrative and waste services | 35 | $964 | 0.21 | -20.5% |
| Arts, entertainment and recreation | 15 | $434 | 0.32 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld |
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 #
D2 severe 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 #
No reservoir gauges within 150 km (or the camera is above the gauge altitude)
Sites found: 0, 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.
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 #
35 gauges · 0 flooding · 10 with quality panels averaging 98 % · 5 stale
Sites found: 35, 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-07060500 | flow 4,490 ft³/s · quality 100 % (1) · no flooding | 21 km |
| USGS-07060728 | stage 288.5 ft | 25 km |
| USGS-07073595 | flow 0.91 ft³/s · STALE | 28 km |
| USGS-07060710 | flow 4.64 ft³/s · quality 100 % (1) | 29 km |
| USGS-07060892 | flow 13.0 ft³/s · STALE | 33 km |
| USGS-07060000 | DO 9.50 mg/l · quality 100 % (2) | 34 km |
| USGS-07059450 | stage 6.14 ft | 34 km |
| USGS-07060896 | flow 0.00 ft³/s · STALE | 37 km |
| USGS-07057370 | flow 1,390 ft³/s | 38 km |
| USGS-07069295 | flow 3.47 ft³/s | 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 #
2 wells in 0 named aquifers:
Sites found: 2, 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-363539091384501 | depth 137.4 ft · 2016-05-10 | 61 km |
| MO005-364324091515001 | depth 231.3 ft · 2026-10-04 | 73 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 (0.33)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.03 / 0.55
Banks & federal dollars #
$318.2 m in deposits at 9 offices of 3 banks (SOD June 2026); HHI 3,505, highly concentrated. $134.5 m federal obligations in FY2026 (direct payments $130.2 m, grants $4.2 m), $46,661 per covered job
| Item | Value | Distance |
|---|---|---|
| The First National Bank of Izard County | $132.4 m · 41.6% share · 4 offices | |
| FNBC Bank | $111.5 m · 35.0% share · 2 offices | |
| The Huntington National Bank | $74.3 m · 23.3% share · 3 offices | |
| Izard, AR | $134.5 m FY2026 · $46,661/job | |
| MULTIPLE RECIPIENTS | $109.9 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| The First National Bank of Izard County | $132,431,000 | 41.6% | 4 |
| FNBC Bank | $111,540,000 | 35.0% | 2 |
| The Huntington National Bank | $74,267,000 | 23.3% | 3 |
Deposit concentration is 3,505 across 3 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 3 banks with deposits in the county = 41.6² + 35.0² + 23.3² = 3,505
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 | $92,550,352 |
| Department of Veterans Affairs | $16,481,771 |
| Department of Housing and Urban Development | $10,954,801 |
| Department of Agriculture | $6,760,561 |
| Department of Transportation | $4,604,059 |
| Department of Education | $2,203,391 |
| Railroad Retirement Board | $845,544 |
| Federal Communications Commission | $77,530 |
| Small Business Administration | $0 |
That is $46,661 per covered job, against 2,882 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $134.5 m / 2,882 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $46,661
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 #
Izard County, AR: 6 findings, 6 noted
noteIzard County, AR's average weekly wage was 8.5% 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
- +8.5 % = 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
noteIzard County, AR's covered employment was 2.1% 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
- +2.1 % = 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
noteIzard County, AR's typical home value fell 0.3% from $175,377 in July 2026 to $174,880 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.3% = (174880.2075533158 - 175376.73256282587) / 175376.73256282587 × 100
- 174880.2075533158 = Zillow ZHVI, 2026-08
- 175376.73256282587 = Zillow ZHVI, 2026-07
noteIzard County, AR's momentum index of 0.68 ranks 4th of 75 Arkansas counties, against a median of 0.18.
Period 2026-08.Show the arithmetic
- 96 on the 0-to-100 scale across 75 Arkansas counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
noteIzard County, AR's momentum index of 0.68 ranks 226th of 3,221 US counties, against a median of 0.23.
Period 2026-08.Show the arithmetic
- 93 on the 0-to-100 scale across 3221 US counties that published momentum
- momentum = Σ wᵢ · clip(changeᵢ / scaleᵢ, −1, 1) / Σ wᵢ over the terms present; weights and scales: home value 1-yr change 0.3 (±10%), rent 1-yr change 0.15 (±10%), jobs over-the-year change 0.3 (±3%), avg weekly wage over-the-year change 0.25 (±6%)
position among the entities that published this metric this period; not an official level
Read all 6 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.