Lawrence County, AR
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.04, -91.10.
Assembled 2026-10-06. Read the brief.
- 10th pct · 2,728th of 3,063 US counties · median $234,566
- 27th pct · 54th of 74 Arkansas counties · median $169,663
- 27th pct · 2,216th of 3,063 US counties · median +2.9%
- 27th pct · 54th of 74 Arkansas counties · median +3.0%
- US counties: not published this period
- Arkansas counties: not published this period
- 31st pct · 2,199th of 3,221 US counties · median 8,232
- 37th pct · 47th of 75 Arkansas counties · median 5,609
- 7th pct · 2,974th of 3,221 US counties · median $1,039
- 20th pct · 60th of 75 Arkansas counties · median $912
- 25th pct · 2,280th of 3,063 US counties · median 4.3
- 35th pct · 48th 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 $136,213 (Aug 2026), +0.8% over one year, +16.0% over five
- 10th pct · 2,728th of 3,063 US counties · median $234,566
- 27th pct · 54th of 74 Arkansas counties · median $169,663
| Item | Value | Distance |
|---|---|---|
| Lawrence County, AR | $136,213 · +0.8% 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 $746 a month on $136,213 at 7.28%, against an average weekly wage worth $3,519 a month: 21.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $136,213 × 80% = $108,970, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $746/mo principal and interest
- wage share = payment / (avg weekly wage $812 × 52 / 12 = $3,519) = 21% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $136,213 / ($812 × 52) = 3.2
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 #
4,047 jobs at 425 employers (2026 Q1); -1.4% jobs and +0.1% average weekly wage over the year
- 31st pct · 2,199th of 3,221 US counties · median 8,232
- 37th pct · 47th of 75 Arkansas counties · median 5,609
| Item | Value | Distance |
|---|---|---|
| Lawrence County, AR | 4,047 jobs · $812/wk · -1.4% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 472 | $627 | 1.20 | -6.5% |
| Manufacturing | 327 | $901 | 1.00 | +5.5% |
| Accommodation and food services | 283 | $367 | 0.78 | +0.0% |
| Wholesale trade | 224 | $998 | 1.45 | -41.7% |
| Other services | 187 | $828 | 1.55 | +206.6% |
| Construction | 148 | $1,267 | 0.70 | -10.8% |
| Agriculture, forestry, fishing | 130 | $760 | 4.45 | -10.3% |
| Finance and insurance | 91 | $1,112 | 0.55 | +2.2% |
| Transportation and warehousing | 79 | $1,038 | 0.46 | +3.9% |
| Administrative and waste services | 69 | $690 | 0.30 | -2.8% |
| Mining, oil and gas | 48 | $1,274 | 3.33 | -18.6% |
| Utilities | 44 | $1,966 | 2.75 | +4.8% |
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 #
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 #
30 gauges · 0 flooding · 2 with quality panels averaging 100 % · 10 stale
Sites found: 30, 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-07072500 | flow 2,880 ft³/s · no flooding | 7 km |
| USGS-07069500 | flow 349.0 ft³/s · no flooding | 19 km |
| USGS-07077380 | flow 2.34 ft³/s · quality 100 % (2) | 25 km |
| USGS-07069000 | flow 2,030 ft³/s · no flooding | 26 km |
| USGS-07074000 | stage 1.25 ft · quality 100 % (1) | 32 km |
| USGS-07072000 | flow 375.0 ft³/s · no flooding | 34 km |
| USGS-07074420 | flow 3,420 ft³/s | 36 km |
| USGS-07068890 | stage 3.58 ft | 36 km |
| USGS-07077652 | flow 3.95 ft³/s · STALE | 40 km |
| USGS-07064060 | stage 4.59 ft · STALE | 43 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 #
3 wells in 0 named aquifers:
Sites found: 3, 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 |
|---|---|---|
| MO005-360252090173201 | depth 12.7 ft · 2026-10-04 | 73 km |
| MO005-360252090173202 | depth -17.0 ft · 2026-10-04 | 73 km |
| MO005-363442090364301 | depth 13.8 ft · 2026-10-04 | 74 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 (0.32)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.2×0.00 / 0.55
Banks & federal dollars #
$334.8 m in deposits at 8 offices of 5 banks (SOD June 2026); HHI 2,927, highly concentrated. $117.0 m federal obligations in FY2026 (direct payments $115.7 m, grants $1.4 m), $28,920 per covered job
| Item | Value | Distance |
|---|---|---|
| First National Bank Of Commerce | $153.6 m · 45.9% share · 3 offices | |
| First Horizon Bank | $72.6 m · 21.7% share · 1 office | |
| Bank of Cave City | $40.5 m · 12.1% share · 2 offices | |
| Lawrence, AR | $117.0 m FY2026 · $28,920/job | |
| MULTIPLE RECIPIENTS | $102.7 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First National Bank Of Commerce | $153,556,000 | 45.9% | 3 |
| First Horizon Bank | $72,604,000 | 21.7% | 1 |
| Bank of Cave City | $40,456,000 | 12.1% | 2 |
| The Citizens Bank | $35,016,000 | 10.5% | 1 |
| Regions Bank | $33,173,000 | 9.9% | 1 |
Deposit concentration is 2,927 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 = 45.9² + 21.7² + 12.1² + … (2 more) = 2,927
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 | $88,152,636 |
| Department of Veterans Affairs | $13,545,146 |
| Department of Agriculture | $7,553,505 |
| Delta Regional Authority | $2,000,000 |
| Department of Housing and Urban Development | $1,930,279 |
| Department of Education | $1,590,712 |
| Railroad Retirement Board | $866,655 |
| Department of Transportation | $659,677 |
| Department of Justice | $500,000 |
| Federal Communications Commission | $130,319 |
| Department of Health and Human Services | $112,003 |
| Small Business Administration | $0 |
That is $28,920 per covered job, against 4,047 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $117.0 m / 4,047 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $28,920
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 #
Lawrence County, AR: 6 findings, 1 at a watch level and 5 noted
watchLawrence County, AR's covered employment is -1.4% against a year earlier, a watch level here: covered employment below the same quarter a year earlier (BLS QCEW over-the-year percent change, as published; 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 Q1.Show the arithmetic
- test: jobs.yoy.emp = -1.4 < 0
BLS QCEW over-the-year percent change, as published; not an official level
noteLawrence County, AR's covered employment was 1.4% lower 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
- -1.4 % = 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
noteLawrence County, AR's typical home value rose 0.7% from $135,325 in July 2026 to $136,213 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.7% = (136212.90260312802 - 135324.9332685862) / 135324.9332685862 × 100
- 136212.90260312802 = Zillow ZHVI, 2026-08
- 135324.9332685862 = Zillow ZHVI, 2026-07
noteLawrence County, AR's average weekly wage was 0.1% 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
- +0.1 % = 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
noteLawrence County, AR's average weekly wage of $812 ranks 2,974th of 3,221 US counties, against a median of $1,039.
Period 2026 Q1.Show the arithmetic
- 8 on the 0-to-100 scale across 3221 US counties that published jobs.avgWeeklyWage
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.