Miller County, AR
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 33.31, -93.90.
Assembled 2026-10-06. Read the brief.
- 23rd pct · 2,341st of 3,063 US counties · median $234,566
- 50th pct · 37th of 74 Arkansas counties · median $169,663
- counties in the Texarkana metro: Rank context is unavailable: the manifest lists 3 counties in the Texarkana metro; fewer than 5 is too few to rank.
- 28th pct · 2,198th of 3,063 US counties · median +2.9%
- 28th pct · 53rd of 74 Arkansas counties · median +3.0%
- counties in the Texarkana metro: Rank context is unavailable: the manifest lists 3 counties in the Texarkana metro; fewer than 5 is too few to rank.
- 23rd pct · 1,075th of 1,399 US counties · median $1,496
- 66th pct · 8th of 22 Arkansas counties · median $1,127
- counties in the Texarkana metro: Rank context is unavailable: the manifest lists 3 counties in the Texarkana metro; fewer than 5 is too few to rank.
- 59th pct · 1,312th of 3,221 US counties · median 8,232
- 72nd pct · 21st of 75 Arkansas counties · median 5,609
- counties in the Texarkana metro: Rank context is unavailable: the manifest lists 3 counties in the Texarkana metro; fewer than 5 is too few to rank.
- 37th pct · 2,003rd of 3,221 US counties · median $1,039
- 72nd pct · 21st of 75 Arkansas counties · median $912
- counties in the Texarkana metro: Rank context is unavailable: the manifest lists 3 counties in the Texarkana metro; fewer than 5 is too few to rank.
- 27th pct · 2,222nd of 3,063 US counties · median 4.3
- 39th pct · 45th of 74 Arkansas counties · median 3.6
- counties in the Texarkana metro: Rank context is unavailable: the manifest lists 3 counties in the Texarkana 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 $169,738 (Aug 2026), +0.9% over one year, +5.2% over five
- 23rd pct · 2,341st of 3,063 US counties · median $234,566
- 50th pct · 37th of 74 Arkansas counties · median $169,663
- counties in the Texarkana metro: Rank context is unavailable: the manifest lists 3 counties in the Texarkana metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Miller County, AR | $169,738 · +0.9% 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 #
Typical rent $1,211/mo (Aug 2026), n/a over one year; price-to-rent 11.7
- 23rd pct · 1,075th of 1,399 US counties · median $1,496
- 66th pct · 8th of 22 Arkansas counties · median $1,127
- counties in the Texarkana metro: Rank context is unavailable: the manifest lists 3 counties in the Texarkana metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Miller County, AR | $1,211/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 $929 a month on $169,738 at 7.28%, against an average weekly wage worth $4,264 a month: 21.8% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $169,738 × 80% = $135,791, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $929/mo principal and interest
- wage share = payment / (avg weekly wage $984 × 52 / 12 = $4,264) = 22% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $169,738 / ($984 × 52) = 3.3
- price-to-rent = $169,738 / ($1,211 × 12) = 11.7
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 #
12,136 jobs at 915 employers (2026 Q1); +0.7% jobs and +1.8% average weekly wage over the year
- 59th pct · 1,312th of 3,221 US counties · median 8,232
- 72nd pct · 21st of 75 Arkansas counties · median 5,609
- counties in the Texarkana metro: Rank context is unavailable: the manifest lists 3 counties in the Texarkana metro; fewer than 5 is too few to rank.
| Item | Value | Distance |
|---|---|---|
| Miller County, AR | 12,136 jobs · $984/wk · +0.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 2,327 | $1,440 | 2.38 | -2.5% |
| Health care and social assistance | 1,411 | $757 | 0.77 | +0.0% |
| Retail trade | 1,243 | $673 | 1.05 | -1.0% |
| Accommodation and food services | 1,124 | $396 | 1.03 | -5.1% |
| Transportation and warehousing | 954 | $1,095 | 1.87 | +10.7% |
| Construction | 682 | $1,037 | 1.07 | +15.6% |
| Administrative and waste services | 569 | $716 | 0.82 | +2.9% |
| Other services | 300 | $708 | 0.83 | +6.0% |
| Finance and insurance | 223 | $1,578 | 0.45 | +10.9% |
| Arts, entertainment and recreation | 173 | $526 | 0.87 | -5.5% |
| Real estate and rental | 134 | $1,070 | 0.72 | -22.5% |
| Mining, oil and gas | 87 | $1,411 | 2.01 | -19.4% |
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 #
Surface water layer not loaded
Sites found: 9, 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 |
|---|---|---|
| Wright Patman Lake | 100 % full · 123k ac-ft | 24 km |
| Caddo Lake | 59 % full · 30k ac-ft | 66 km |
| Lake O the Pines | 93 % full · 241k ac-ft | 83 km |
| Lake Bob Sandlin | 89 % full · 192k ac-ft | 105 km |
| Monticello Reservoir | 73 % full · 35k ac-ft | 109 km |
| Lake Cypress Springs | 90 % full · 67k ac-ft | 120 km |
| Lake Cherokee | 80 % full · 40k ac-ft | 126 km |
| Martin Lake | 79 % full · 76k ac-ft | 132 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 #
Surface water layer not loaded
Sites found: 0, 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.
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 #
No USGS monitoring wells within 75 km (or above 1,500 km)
Sites found: 0, 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.
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 + 0.3×0.11 / 0.65
Banks & federal dollars #
$921.8 m in deposits at 15 offices of 10 banks (SOD June 2026); HHI 2,218, highly concentrated. $276.4 m federal obligations in FY2026 (direct payments $248.1 m, grants $24.0 m), $22,776 per covered job
| Item | Value | Distance |
|---|---|---|
| Wells Fargo Bank, National Association | $331.4 m · 36.0% share · 1 office | |
| Commercial National Bank of Texarkana | $224.0 m · 24.3% share · 4 offices | |
| Regions Bank | $126.1 m · 13.7% share · 1 office | |
| Miller, AR | $276.4 m FY2026 · $22,776/job | |
| MULTIPLE RECIPIENTS | $240.3 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Wells Fargo Bank, National Association | $331,447,000 | 36.0% | 1 |
| Commercial National Bank of Texarkana | $223,997,000 | 24.3% | 4 |
| Regions Bank | $126,101,000 | 13.7% | 1 |
| Texana Bank, National Association | $67,822,000 | 7.4% | 2 |
| Bank OZK | $56,167,000 | 6.1% | 1 |
| Farmers Bank & Trust Company | $54,004,000 | 5.9% | 2 |
| The Huntington National Bank | $38,079,000 | 4.1% | 1 |
| COMMUNITY STATE BANK | $21,101,000 | 2.3% | 1 |
| First National Bank Texas | $1,801,000 | 0.2% | 1 |
| First Southern Bank | $1,276,000 | 0.1% | 1 |
Deposit concentration is 2,218 across 10 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 10 banks with deposits in the county = 36.0² + 24.3² + 13.7² + … (7 more) = 2,218
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 | $208,758,151 |
| Department of Veterans Affairs | $28,816,009 |
| Department of Transportation | $16,386,743 |
| Department of Housing and Urban Development | $6,151,574 |
| Department of Education | $6,134,522 |
| Department of Defense | $2,813,704 |
| Railroad Retirement Board | $2,740,586 |
| Department of Health and Human Services | $1,879,819 |
| Department of Agriculture | $1,284,692 |
| General Services Administration | $652,514 |
| Federal Communications Commission | $410,274 |
| Small Business Administration | $384,375 |
That is $22,776 per covered job, against 12,136 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $276.4 m / 12,136 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $22,776
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 | 12.69 | 2026-10-05 | +3.3% |
| 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 | 2026-10-06 | +0.0% |
| 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 #
Miller County, AR: 11 findings, 4 at a watch level and 7 noted
watchMiller County, AR's typical asking rent is -3.1% against the previous month, a watch level here: typical asking rent at least 1 percent below the previous month (arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, 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: rent.momPct = -3.1038470440047017 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZORI month columns; convention chosen for this dashboard, not an official level
watchMiller County, AR's typical asking rent fell 3.1% from $1,250 in July 2026 to $1,211 in August 2026, on Zillow ZORI.
Period 2026-08.Show the arithmetic
- -3.1% = (1211.0277777777776 - 1249.820287837183) / 1249.820287837183 × 100
- 1211.0277777777776 = Zillow ZORI, 2026-08
- 1249.820287837183 = Zillow ZORI, 2026-07
watchMiller County, AR's typical asking rent of $1,211 scores 23 on the 0-to-100 scale across US counties but 67 across Arkansas counties, a gap of 43 points.
Period 2026-08.Show the arithmetic
- 43 = |23 across US counties - 67 across Arkansas counties|
position among the entities that published this metric this period; not an official level
watchMiller County, AR's average weekly wage of $984 scores 38 on the 0-to-100 scale across US counties but 73 across Arkansas counties, a gap of 35 points.
Period 2026 Q1.Show the arithmetic
- 35 = |38 across US counties - 73 across Arkansas counties|
position among the entities that published this metric this period; not an official level
noteMiller County, AR's average weekly wage was 1.8% 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
- +1.8 % = 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
Read all 11 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.