Montgomery County, AR
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.55, -93.66.
Assembled 2026-10-06. Read the brief.
- 43rd pct · 1,725th of 3,063 US counties · median $234,566
- 78th pct · 17th of 74 Arkansas counties · median $169,663
- 90th pct · 291st of 3,063 US counties · median +2.9%
- 90th pct · 8th of 74 Arkansas counties · median +3.0%
- US counties: not published this period
- Arkansas counties: not published this period
- 9th pct · 2,920th of 3,221 US counties · median 8,232
- 5th pct · 71st of 75 Arkansas counties · median 5,609
- 2nd pct · 3,153rd of 3,221 US counties · median $1,039
- 0th pct · 75th of 75 Arkansas counties · median $912
- 81st pct · 575th of 3,063 US counties · median 4.3
- 98th pct · 2nd 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 $219,026 (Aug 2026), +7.9% over one year, +46.6% over five
- 43rd pct · 1,725th of 3,063 US counties · median $234,566
- 78th pct · 17th of 74 Arkansas counties · median $169,663
| Item | Value | Distance |
|---|---|---|
| Montgomery County, AR | $219,026 · +7.9% 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 $1,199 a month on $219,026 at 7.28%, against an average weekly wage worth $2,934 a month: 40.9% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $219,026 × 80% = $175,221, r = 7.28%/12 (Freddie Mac PMMS via FRED, 2026-10-01), n = 360 → $1,199/mo principal and interest
- wage share = payment / (avg weekly wage $677 × 52 / 12 = $2,934) = 41% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $219,026 / ($677 × 52) = 6.2
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 #
1,301 jobs at 191 employers (2026 Q1); +2.5% jobs and +0.9% average weekly wage over the year
- 9th pct · 2,920th of 3,221 US counties · median 8,232
- 5th pct · 71st of 75 Arkansas counties · median 5,609
| Item | Value | Distance |
|---|---|---|
| Montgomery County, AR | 1,301 jobs · $677/wk · +2.5% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Retail trade | 161 | $476 | 1.27 | -0.6% |
| Construction | 81 | $740 | 1.19 | +14.1% |
| Wholesale trade | 35 | $969 | 0.70 | -7.9% |
| Finance and insurance | 34 | $1,014 | 0.64 | +6.2% |
| Other services | 31 | $537 | 0.80 | +0.0% |
| Administrative and waste services | 22 | $973 | 0.30 | +0.0% |
| Real estate and rental | 18 | $440 | 0.90 | -5.3% |
| Agriculture, forestry, fishing | withheld | |||
| Mining, oil and gas | withheld | |||
| Utilities | withheld | |||
| Manufacturing | withheld | |||
| Transportation and warehousing | 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 #
100 % of conservation capacity, weighted over 1 TWDB reservoirs
Sites found: 1, 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 | 145 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 #
50 gauges · 0 flooding · 13 with quality panels averaging 38 % · 11 stale
Sites found: 50, 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-343054093031201 | temp 61.7 °C · quality 0 % (1) | 56 km |
| USGS-343052093031301 | temp 63.1 °C · quality 0 % (1) | 56 km |
| USGS-343050093031201 | temp 64.7 °C · quality 0 % (1) | 56 km |
| USGS-343048093031301 | temp 61.3 °C · quality 0 % (1) | 56 km |
| USGS-343058093030901 | temp 62.7 °C · quality 0 % (1) | 56 km |
| USGS-343055093031301 | temp 63.2 °C · quality 0 % (1) | 56 km |
| USGS-343049093031301 | temp 56.2 °C · quality 0 % (1) | 56 km |
| USGS-343057093031301 | temp 54.7 °C · quality 0 % (1) | 56 km |
| USGS-07356000 | flow 18.3 ft³/s | 8 km |
| USGS-07359610 | flow 24.4 ft³/s | 19 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 #
10 wells in 0 named aquifers:
Sites found: 10, 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-343726093481801 | depth 49.3 ft · 2026-10-05 | 16 km |
| USGS-343206093044101 | depth 13.2 ft · 2013-07-01 | 54 km |
| USGS-343048093030401 | depth 113.8 ft · 2024-05-28 | 56 km |
| USGS-343312093013201 | depth 23.7 ft · 2014-09-02 | 58 km |
| USGS-343350093005901 | depth 67.6 ft · 2014-09-02 | 59 km |
| USGS-343204093005501 | depth 121.2 ft · 2013-07-15 | 59 km |
| USGS-343257092593601 | depth 36.0 ft · 2013-07-17 | 61 km |
| USGS-343255092593601 | depth 55.4 ft · 2014-09-02 | 61 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 (0.35)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.50 + 0.3×0.00 + 0.2×0.62 / 0.85
Banks & federal dollars #
$153.7 m in deposits at 3 offices of 3 banks (SOD June 2026); HHI 3,860, highly concentrated. $67.2 m federal obligations in FY2026 (direct payments $66.5 m, contracts $700,288), $51,651 per covered job
| Item | Value | Distance |
|---|---|---|
| Southern Bancorp Bank | $79.7 m · 51.9% share · 1 office | |
| Diamond Bank | $40.3 m · 26.2% share · 1 office | |
| Farmers Bank & Trust Company | $33.6 m · 21.9% share · 1 office | |
| Montgomery, AR | $67.2 m FY2026 · $51,651/job | |
| MULTIPLE RECIPIENTS | $65.4 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Southern Bancorp Bank | $79,747,000 | 51.9% | 1 |
| Diamond Bank | $40,305,000 | 26.2% | 1 |
| Farmers Bank & Trust Company | $33,617,000 | 21.9% | 1 |
Deposit concentration is 3,860 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 = 51.9² + 26.2² + 21.9² = 3,860
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 | $57,216,199 |
| Department of Veterans Affairs | $7,241,315 |
| Department of Agriculture | $1,585,526 |
| Railroad Retirement Board | $906,816 |
| Federal Communications Commission | $156,289 |
| Department of Health and Human Services | $75,000 |
| Department of Housing and Urban Development | $43,062 |
| Small Business Administration | $0 |
| Department of Transportation | -$26,739 |
That is $51,651 per covered job, against 1,301 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $67.2 m / 1,301 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $51,651
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 #
Montgomery County, AR: 14 findings, 1 at a watch level and 13 noted
watchMontgomery County, AR's typical home value of $219,026 scores 44 on the 0-to-100 scale across US counties but 78 across Arkansas counties, a gap of 34 points.
Period 2026-08.Show the arithmetic
- 34 = |44 across US counties - 78 across Arkansas counties|
position among the entities that published this metric this period; not an official level
noteMontgomery County, AR's covered employment was 2.5% 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
- +2.5 % = 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
noteMontgomery County, AR's average weekly wage was 0.9% 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
- +0.9 % = 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
noteMontgomery County, AR's typical home value fell 0.3% from $219,649 in July 2026 to $219,026 in August 2026, on Zillow ZHVI.
Period 2026-08.Show the arithmetic
- -0.3% = (219025.76336724265 - 219649.16669444577) / 219649.16669444577 × 100
- 219025.76336724265 = Zillow ZHVI, 2026-08
- 219649.16669444577 = Zillow ZHVI, 2026-07
noteMontgomery County, AR's average weekly wage of $677 ranks 75th of 75 Arkansas counties, against a median of $912.
Period 2026 Q1.Show the arithmetic
- 0 on the 0-to-100 scale across 75 Arkansas counties that published jobs.avgWeeklyWage
position among the entities that published this metric this period; not an official level
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.