Madison County, AR
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 36.01, -93.72.
Assembled 2026-10-06. Read the brief.
- 63rd pct · 1,110th of 3,063 US counties · median $234,566
- 97th pct · 3rd of 74 Arkansas counties · median $169,663
- counties in the Fayetteville-Springdale-Rogers metro: Rank context is unavailable: the manifest lists 3 counties in the Fayetteville-Springdale-Rogers metro; fewer than 5 is too few to rank.
- 58th pct · 1,266th of 3,063 US counties · median +2.9%
- 58th pct · 31st of 74 Arkansas counties · median +3.0%
- counties in the Fayetteville-Springdale-Rogers metro: Rank context is unavailable: the manifest lists 3 counties in the Fayetteville-Springdale-Rogers metro; fewer than 5 is too few to rank.
- US counties: not published this period
- Arkansas counties: not published this period
- counties in the Fayetteville-Springdale-Rogers metro: Rank context is unavailable: the manifest lists 3 counties in the Fayetteville-Springdale-Rogers metro; fewer than 5 is too few to rank.
- 28th pct · 2,290th of 3,221 US counties · median 8,232
- 31st pct · 52nd of 75 Arkansas counties · median 5,609
- counties in the Fayetteville-Springdale-Rogers metro: Rank context is unavailable: the manifest lists 3 counties in the Fayetteville-Springdale-Rogers metro; fewer than 5 is too few to rank.
- 17th pct · 2,668th of 3,221 US counties · median $1,039
- 43rd pct · 43rd of 75 Arkansas counties · median $912
- counties in the Fayetteville-Springdale-Rogers metro: Rank context is unavailable: the manifest lists 3 counties in the Fayetteville-Springdale-Rogers metro; fewer than 5 is too few to rank.
- 78th pct · 647th of 3,063 US counties · median 4.3
- 95th pct · 4th of 74 Arkansas counties · median 3.6
- counties in the Fayetteville-Springdale-Rogers metro: Rank context is unavailable: the manifest lists 3 counties in the Fayetteville-Springdale-Rogers metro; fewer than 5 is too few to rank.
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 $277,510 (Aug 2026), +3.7% over one year, +25.3% over five
- 63rd pct · 1,110th of 3,063 US counties · median $234,566
- 97th pct · 3rd of 74 Arkansas counties · median $169,663
- counties in the Fayetteville-Springdale-Rogers metro: Rank context is unavailable: the manifest lists 3 counties in the Fayetteville-Springdale-Rogers metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Madison County, AR | $277,510 · +3.7% 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
- counties in the Fayetteville-Springdale-Rogers metro: Rank context is unavailable: the manifest lists 3 counties in the Fayetteville-Springdale-Rogers metro; fewer than 5 is too few to rank.
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 $1,519 a month on $277,510 at 7.28%, against an average weekly wage worth $3,848 a month: 39.5% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $277,510 × 80% = $222,008, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,519/mo principal and interest
- wage share = payment / (avg weekly wage $888 × 52 / 12 = $3,848) = 39% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $277,510 / ($888 × 52) = 6.0
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 #
3,595 jobs at 306 employers (2026 Q1); +0.7% jobs and +2.1% average weekly wage over the year
- 28th pct · 2,290th of 3,221 US counties · median 8,232
- 31st pct · 52nd of 75 Arkansas counties · median 5,609
- counties in the Fayetteville-Springdale-Rogers metro: Rank context is unavailable: the manifest lists 3 counties in the Fayetteville-Springdale-Rogers metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Madison County, AR | 3,595 jobs · $888/wk · +0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 1,110 | $987 | 3.84 | +4.6% |
| Retail trade | 532 | $652 | 1.52 | -2.6% |
| Accommodation and food services | 159 | $324 | 0.49 | +0.0% |
| Finance and insurance | 72 | $1,342 | 0.49 | +0.0% |
| Wholesale trade | 51 | $1,054 | 0.37 | +30.8% |
| Professional and technical services | 43 | $816 | 0.17 | +7.5% |
| Administrative and waste services | 31 | $989 | 0.15 | -16.2% |
| Real estate and rental | 9 | $619 | 0.16 | +0.0% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Construction | 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 #
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) | 116 km |
| USGS-07191300 | 25,830 Acre-ft (USGS, no capacity on file) | 126 km |
| USGS-07190000 | 1,306,000 Acre-ft (USGS, no capacity on file) | 129 km |
| USGS-07191400 | 213,600 Acre-ft (USGS, no capacity on file) | 133 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 #
52 gauges · 0 flooding · 12 with quality panels averaging 96 % · 21 stale
Sites found: 52, 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-07048780 | flow 0.00 ft³/s | 23 km |
| USGS-07049000 | flow 13.5 ft³/s · quality 100 % (5) | 24 km |
| USGS-07048890 | flow 0.81 ft³/s · STALE | 24 km |
| USGS-07047980 | flow 2.97 ft³/s | 25 km |
| USGS-07048800 | flow 8.60 ft³/s · STALE | 27 km |
| USGS-07048700 | flow 54.0 ft³/s · STALE | 28 km |
| USGS-07055646 | flow 5.49 ft³/s · quality 100 % (1) | 30 km |
| USGS-07048550 | flow 2.03 ft³/s | 33 km |
| USGS-07048600 | flow 2.03 ft³/s · quality 90 % (5) | 33 km |
| USGS-07055660 | flow 2.39 ft³/s | 33 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 #
1 wells in 0 named aquifers:
Sites found: 1, 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 |
|---|---|---|
| AR008-362155094254801 | depth 76.5 ft · 2026-10-04 | 75 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 (0.49)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 + 0.2×0.04 / 0.55
Banks & federal dollars #
$421.1 m in deposits at 8 offices of 5 banks (SOD June 2026); HHI 2,519, highly concentrated. $119.0 m federal obligations in FY2026 (direct payments $106.0 m, grants $7.8 m), $33,111 per covered job
| Item | Value | Distance |
|---|---|---|
| Arvest Bank | $147.1 m · 34.9% share · 2 offices | |
| Today's Bank | $107.0 m · 25.4% share · 2 offices | |
| Anstaff Bank | $88.7 m · 21.1% share · 2 offices | |
| Madison, AR | $119.0 m FY2026 · $33,111/job | |
| MULTIPLE RECIPIENTS | $105.1 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Arvest Bank | $147,121,000 | 34.9% | 2 |
| Today's Bank | $106,963,000 | 25.4% | 2 |
| Anstaff Bank | $88,709,000 | 21.1% | 2 |
| CS Bank | $57,284,000 | 13.6% | 1 |
| Bank of 1889 | $21,072,000 | 5.0% | 1 |
Deposit concentration is 2,519 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 = 34.9² + 25.4² + 21.1² + … (2 more) = 2,519
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 | $92,165,575 |
| Department of Veterans Affairs | $12,053,813 |
| Department of Transportation | $7,636,424 |
| Department of Agriculture | $4,148,251 |
| Environmental Protection Agency | $1,889,339 |
| Department of Defense | $691,860 |
| Railroad Retirement Board | $252,873 |
| Department of Health and Human Services | $125,000 |
| Federal Communications Commission | $59,781 |
| Department of Housing and Urban Development | $12,024 |
| Department of Justice | $0 |
That is $33,111 per covered job, against 3,595 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $119.0 m / 3,595 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $33,111
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 #
Madison County, AR: 7 findings, 1 at a watch level and 6 noted
watchMadison County, AR's typical home value of $277,510 scores 64 on the 0-to-100 scale across US counties but 97 across Arkansas counties, a gap of 33 points.
Period 2026-08.Show the arithmetic
- 33 = |64 across US counties - 97 across Arkansas counties|
position among the entities that published this metric this period; not an official level
noteMadison County, AR's average weekly wage 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
noteMadison County, AR's covered employment was 0.7% 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
- +0.7 % = 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
noteMadison County, AR's typical home value rose 0.3% from $276,639 in July 2026 to $277,510 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- +0.3% = (277510.4481427933 - 276638.5552653715) / 276638.5552653715 × 100
- 277510.4481427933 = Zillow ZHVI, 2026-08
- 276638.5552653715 = Zillow ZHVI, 2026-07
noteMadison County, AR's typical home value of $277,510 ranks 3rd of 74 Arkansas counties, against a median of $169,663.
Period 2026-08.Show the arithmetic
- 97 on the 0-to-100 scale across 74 Arkansas counties that published home.latest
position among the entities that published this metric this period; not an official level
Read all 7 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.