Lonoke County, AR
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 34.76, -91.89.
Assembled 2026-10-19. Read the brief.
- 49th pct · 1,537th of 3,063 US counties · median $230,451
- 84th pct · 12th of 74 Arkansas counties · median $165,493
- 60th pct · 3rd of 6 counties in the Little Rock-North Little Rock-Conway metro · median $222,204
- 71st pct · 884th of 3,062 US counties · median +2.9%
- 73rd pct · 20th of 74 Arkansas counties · median +3.0%
- 80th pct · 2nd of 6 counties in the Little Rock-North Little Rock-Conway metro · median +3.5%
- 35th pct · 874th of 1,358 US counties · median $1,506
- 82nd pct · 4th of 18 Arkansas counties · median $1,178
- counties in the Little Rock-North Little Rock-Conway metro: only 4 of counties in the Little Rock-North Little Rock-Conway metro published this metric; fewer than 5 is too few to rank
- 65th pct · 1,097th of 3,221 US counties · median 8,232
- 77th pct · 18th of 75 Arkansas counties · median 5,609
- 40th pct · 4th of 6 counties in the Little Rock-North Little Rock-Conway metro · median 22,110
- 9th pct · 2,911th of 3,221 US counties · median $1,039
- 29th pct · 53rd of 75 Arkansas counties · median $912
- 0th pct · 6th of 6 counties in the Little Rock-North Little Rock-Conway metro · median $964
- 70th pct · 919th of 3,063 US counties · median 4.2
- 91st pct · 7th of 74 Arkansas counties · median 3.5
- 100th pct · 1st of 6 counties in the Little Rock-North Little Rock-Conway metro · median 4.5
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 $230,061 (Sep 2026), +4.7% over one year, +24.2% over five
- 49th pct · 1,537th of 3,063 US counties · median $230,451
- 84th pct · 12th of 74 Arkansas counties · median $165,493
- 60th pct · 3rd of 6 counties in the Little Rock-North Little Rock-Conway metro · median $222,204
| Item | Value | Distance |
|---|---|---|
| Lonoke County, AR | $230,061 · +4.7% 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 $1,351/mo (Sep 2026), +2.9% over one year; price-to-rent 14.2
- 35th pct · 874th of 1,358 US counties · median $1,506
- 82nd pct · 4th of 18 Arkansas counties · median $1,178
- counties in the Little Rock-North Little Rock-Conway metro: only 4 of counties in the Little Rock-North Little Rock-Conway metro published this metric; fewer than 5 is too few to rank
| Item | Value | Distance |
|---|---|---|
| Lonoke County, AR | $1,351/mo · +2.9% 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 $1,274 a month on $230,061 at 7.40%, against an average weekly wage worth $3,623 a month: 35.2% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $230,061 × 80% = $184,049, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,274/mo principal and interest
- wage share = payment / (avg weekly wage $836 × 52 / 12 = $3,623) = 35% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $230,061 / ($836 × 52) = 5.3
- price-to-rent = $230,061 / ($1,351 × 12) = 14.2
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 #
15,807 jobs at 1,491 employers (2026 Q1); -0.9% jobs and +1.2% average weekly wage over the year
- 65th pct · 1,097th of 3,221 US counties · median 8,232
- 77th pct · 18th of 75 Arkansas counties · median 5,609
- 40th pct · 4th of 6 counties in the Little Rock-North Little Rock-Conway metro · median 22,110
| Item | Value | Distance |
|---|---|---|
| Lonoke County, AR | 15,807 jobs · $836/wk · -0.9% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 2,454 | $756 | 1.03 | +4.9% |
| Retail trade | 2,391 | $608 | 1.55 | +0.5% |
| Accommodation and food services | 2,123 | $392 | 1.49 | -4.7% |
| Manufacturing | 1,167 | $1,237 | 0.92 | -8.3% |
| Construction | 1,107 | $1,164 | 1.34 | +3.5% |
| Finance and insurance | 588 | $1,505 | 0.91 | +3.2% |
| Administrative and waste services | 525 | $704 | 0.58 | +8.0% |
| Wholesale trade | 483 | $1,278 | 0.80 | -6.4% |
| Other services | 329 | $778 | 0.70 | +0.6% |
| Professional and technical services | 316 | $1,105 | 0.29 | +2.6% |
| Real estate and rental | 233 | $1,359 | 0.96 | +5.0% |
| Information | 113 | $1,272 | 0.39 | -10.3% |
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 #
$1.7 bn in deposits at 29 offices of 13 banks (SOD June 2026); HHI 1,283, moderately concentrated. $572.1 m federal obligations in FY2026 (direct payments $519.8 m, grants $27.2 m), $36,195 per covered job
| Item | Value | Distance |
|---|---|---|
| Centennial Bank | $409.8 m · 24.3% share · 5 offices | |
| Bank of England | $226.4 m · 13.4% share · 4 offices | |
| First Arkansas Bank and Trust | $205.5 m · 12.2% share · 4 offices | |
| Lonoke, AR | $572.1 m FY2026 · $36,195/job | |
| MULTIPLE RECIPIENTS | $507.5 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| Centennial Bank | $409,768,000 | 24.3% | 5 |
| Bank of England | $226,397,000 | 13.4% | 4 |
| First Arkansas Bank and Trust | $205,455,000 | 12.2% | 4 |
| First State Bank | $169,134,000 | 10.0% | 3 |
| Bank OZK | $164,414,000 | 9.7% | 2 |
| First Community Bank | $141,979,000 | 8.4% | 2 |
| First Security Bank | $111,853,000 | 6.6% | 3 |
| Arvest Bank | $87,312,000 | 5.2% | 1 |
| Regions Bank | $64,008,000 | 3.8% | 1 |
| Simmons Bank | $53,455,000 | 3.2% | 1 |
Deposit concentration is 1,283 across 13 banks, which the 1995 Department of Justice bank merger screen calls moderately concentrated.
HHI = Σ (share %)² over 13 banks with deposits in the county = 24.3² + 13.4² + 12.2² + … (10 more) = 1,283
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 | $351,931,852 |
| Department of Veterans Affairs | $144,425,133 |
| Department of Transportation | $25,264,445 |
| Department of Defense | $24,642,875 |
| Railroad Retirement Board | $11,255,055 |
| Department of Agriculture | $8,300,880 |
| Department of Housing and Urban Development | $5,796,273 |
| Federal Communications Commission | $213,399 |
| Department of Education | $161,840 |
| Department of Health and Human Services | $157,137 |
| Delta Regional Authority | $38,598 |
| Small Business Administration | $0 |
That is $36,195 per covered job, against 15,807 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $572.1 m / 15,807 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $36,195
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 #
Lonoke County, AR: 14 findings, 3 at a watch level and 11 noted
watchLonoke County, AR's covered employment is -0.9% 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 = -0.9 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchLonoke County, AR's typical asking rent of $1,351 scores 36 on the 0-to-100 scale across US counties but 82 across Arkansas counties, a gap of 47 points.
Period 2026-09.Show the arithmetic
- 47 = |36 across US counties - 82 across Arkansas counties|
position among the entities that published this metric this period; not an official level
watchLonoke County, AR's typical home value of $230,061 scores 50 on the 0-to-100 scale across US counties but 85 across Arkansas counties, a gap of 35 points.
Period 2026-09.Show the arithmetic
- 35 = |50 across US counties - 85 across Arkansas counties|
position among the entities that published this metric this period; not an official level
noteLonoke County, AR's average weekly wage was 1.2% 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
- +1.2 % = 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
noteLonoke County, AR's covered employment was 0.9% 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
- -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
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.