Jefferson County, AR
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.28, -91.93.
Assembled 2026-10-19. Read the brief.
- 1st pct · 3,031st of 3,063 US counties · median $230,451
- 2nd pct · 72nd of 74 Arkansas counties · median $165,493
- 5th pct · 2,885th of 3,062 US counties · median +2.9%
- 5th pct · 70th of 74 Arkansas counties · median +3.0%
- 2nd pct · 1,329th of 1,358 US counties · median $1,506
- 0th pct · 18th of 18 Arkansas counties · median $1,178
- 74th pct · 814th of 3,221 US counties · median 8,232
- 86th pct · 11th of 75 Arkansas counties · median 5,609
- 55th pct · 1,416th of 3,221 US counties · median $1,039
- 89th pct · 9th of 75 Arkansas counties · median $912
- 1st pct · 3,032nd of 3,063 US counties · median 4.2
- 1st pct · 73rd of 74 Arkansas counties · median 3.5
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 $81,305 (Sep 2026), -3.7% over one year, -2.0% over five
- 1st pct · 3,031st of 3,063 US counties · median $230,451
- 2nd pct · 72nd of 74 Arkansas counties · median $165,493
| Item | Value | Distance |
|---|---|---|
| Jefferson County, AR | $81,305 · -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 #
Typical rent $840/mo (Sep 2026), n/a over one year; price-to-rent 8.1
- 2nd pct · 1,329th of 1,358 US counties · median $1,506
- 0th pct · 18th of 18 Arkansas counties · median $1,178
| Item | Value | Distance |
|---|---|---|
| Jefferson County, AR | $840/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 $450 a month on $81,305 at 7.40%, against an average weekly wage worth $4,624 a month: 9.7% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $81,305 × 80% = $65,044, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $450/mo principal and interest
- wage share = payment / (avg weekly wage $1,067 × 52 / 12 = $4,624) = 10% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $81,305 / ($1,067 × 52) = 1.5
- price-to-rent = $81,305 / ($840 × 12) = 8.1
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 #
24,547 jobs at 1,609 employers (2026 Q1); -1.7% jobs and +2.5% average weekly wage over the year
- 74th pct · 814th of 3,221 US counties · median 8,232
- 86th pct · 11th of 75 Arkansas counties · median 5,609
| Item | Value | Distance |
|---|---|---|
| Jefferson County, AR | 24,547 jobs · $1,067/wk · -1.7% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Manufacturing | 3,883 | $1,548 | 1.97 | -5.1% |
| Retail trade | 2,762 | $617 | 1.15 | -3.1% |
| Administrative and waste services | 1,262 | $779 | 0.90 | -1.3% |
| Finance and insurance | 605 | $1,492 | 0.60 | +0.5% |
| Wholesale trade | 496 | $1,185 | 0.53 | +3.8% |
| Construction | 443 | $1,007 | 0.34 | +3.0% |
| Other services | 327 | $754 | 0.45 | -10.9% |
| Transportation and warehousing | 296 | $1,142 | 0.29 | -2.0% |
| Utilities | 275 | $3,409 | 2.84 | +0.0% |
| Real estate and rental | 197 | $770 | 0.52 | -4.4% |
| Agriculture, forestry, fishing | 139 | $1,199 | 0.78 | -2.8% |
| Information | 44 | $1,099 | 0.10 | +0.0% |
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 #
Surface water layer not loaded
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 #
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 #
high (0.75)
Σ wᵢ·termᵢ / Σ wᵢ = 0.35×0.75 / 0.35
Banks & federal dollars #
$2.4 bn in deposits at 23 offices of 7 banks (SOD June 2026); HHI 4,161, highly concentrated. $590.9 m federal obligations in FY2026 (direct payments $462.8 m, contracts $98.2 m), $24,072 per covered job
| Item | Value | Distance |
|---|---|---|
| Simmons Bank | $1.4 bn · 56.6% share · 8 offices | |
| Relyance Bank | $723.8 m · 29.9% share · 7 offices | |
| Stone Bank | $151.4 m · 6.2% share · 1 office | |
| Jefferson, AR | $590.9 m FY2026 · $24,072/job |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Simmons Bank | $1,373,018,000 | 56.6% | 8 |
| Relyance Bank | $723,808,000 | 29.9% | 7 |
| Stone Bank | $151,449,000 | 6.2% | 1 |
| Bank of America, National Association | $100,014,000 | 4.1% | 1 |
| FBT Bank & Mortgage | $50,658,000 | 2.1% | 2 |
| Connect Bank | $24,807,000 | 1.0% | 3 |
| FSNB, National Association | $498,000 | 0.0% | 1 |
Deposit concentration is 4,161 across 7 banks, which the 1995 Department of Justice bank merger screen calls highly concentrated.
HHI = Σ (share %)² over 7 banks with deposits in the county = 56.6² + 29.9² + 6.2² + … (4 more) = 4,161
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 #
That is $24,072 per covered job, against 24,547 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $590.9 m / 24,547 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $24,072
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 | 17.95 | 2026-10-18 | -2.6% |
| 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 · % | 72.20 | 2026-10-19 | +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 | 7.00 | 2026-10-13 | +133.3% |
| Shanghai to Los Angeles container rate · $ per 40 ft box | 7,848.00 | 2026-09-01 | +14.9% |
| US diesel retail price · $ per gallon | unavailable | not published | |
| WTI crude oil, spot · $ per barrel | 101.91 | 2026-10-14 | +1.0% |
| 30-year fixed mortgage rate · % | 7.40 | 2026-10-15 | +0.0% |
| 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 | -105,572.00 | 2026-08-01 | -13.7% |
| Retail sales excluding food services, monthly · $ millions | 652,115.00 | 2026-09-01 | +0.7% |
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 #
Jefferson County, AR: 21 findings, 4 at a watch level and 17 noted
watchJefferson County, AR's typical home value is -3.7% against a year earlier, a watch level here: typical home value below a year ago (arithmetic on Zillow ZHVI, county and metro files; not an official level). The previous published period is not in this table, so this is a standing level rather than a change.
Period 2026-09.Show the arithmetic
- test: home.yoyPct = -3.6597898392703603 < 0
arithmetic on Zillow ZHVI, county and metro files; not an official level
watchJefferson County, AR's covered employment is -1.7% 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 = -1.7 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchJefferson County, AR's typical home value is -2.1% against the previous month, a watch level here: typical home value at least 1 percent below the previous month (arithmetic on the Zillow ZHVI 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 2026-09.Show the arithmetic
- test: home.momPct = -2.1492206219239045 <= -1
- month-over-month percent change = (newest month − previous month) / |previous month| × 100, from Zillow's own published month columns
arithmetic on the Zillow ZHVI month columns; convention chosen for this dashboard, not an official level
watchJefferson County, AR's average weekly wage of $1,067 scores 56 on the 0-to-100 scale across US counties but 89 across Arkansas counties, a gap of 33 points.
Period 2026 Q1.Show the arithmetic
- 33 = |56 across US counties - 89 across Arkansas counties|
position among the entities that published this metric this period; not an official level
noteJefferson County, AR's average weekly wage 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
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.