White County, AR
Housing, jobs, water, deposits and federal obligations for this county, each figure with the release it came from. Internal point 35.26, -91.75.
Assembled 2026-10-19. Read the brief.
- 41st pct · 1,801st of 3,063 US counties · median $230,451
- 73rd pct · 20th of 74 Arkansas counties · median $165,493
- 62nd pct · 1,156th of 3,062 US counties · median +2.9%
- 65th pct · 26th of 74 Arkansas counties · median +3.0%
- 11th pct · 1,202nd of 1,358 US counties · median $1,506
- 11th pct · 16th of 18 Arkansas counties · median $1,178
- 75th pct · 776th of 3,221 US counties · median 8,232
- 87th pct · 10th of 75 Arkansas counties · median 5,609
- 21st pct · 2,531st of 3,221 US counties · median $1,039
- 47th pct · 40th of 75 Arkansas counties · median $912
- 53rd pct · 1,426th of 3,063 US counties · median 4.2
- 73rd pct · 20th 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 $207,632 (Sep 2026), +3.8% over one year, +29.6% over five
- 41st pct · 1,801st of 3,063 US counties · median $230,451
- 73rd pct · 20th of 74 Arkansas counties · median $165,493
| Item | Value | Distance |
|---|---|---|
| White County, AR | $207,632 · +3.8% 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 $1,064/mo (Sep 2026), +4.9% over one year; price-to-rent 16.3
- 11th pct · 1,202nd of 1,358 US counties · median $1,506
- 11th pct · 16th of 18 Arkansas counties · median $1,178
| Item | Value | Distance |
|---|---|---|
| White County, AR | $1,064/mo · +4.9% 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 $1,150 a month on $207,632 at 7.40%, against an average weekly wage worth $3,948 a month: 29.1% of one job’s pay.
- payment = P·r / (1 − (1+r)^−n), P = $207,632 × 80% = $166,106, r = 7.40%/12 (Freddie Mac PMMS via FRED, 2026-10-15), n = 360 → $1,150/mo principal and interest
- wage share = payment / (avg weekly wage $911 × 52 / 12 = $3,948) = 29% of one average job's pay (BLS QCEW 2026 Q1, all covered jobs)
- years of wages = $207,632 / ($911 × 52) = 4.4
- price-to-rent = $207,632 / ($1,064 × 12) = 16.3
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 #
26,450 jobs at 1,860 employers (2026 Q1); -1.3% jobs and -0.3% average weekly wage over the year
- 75th pct · 776th of 3,221 US counties · median 8,232
- 87th pct · 10th of 75 Arkansas counties · median 5,609
| Item | Value | Distance |
|---|---|---|
| White County, AR | 26,450 jobs · $911/wk · -1.3% YoY |
| NAICS sector | Jobs | Avg weekly wage | Location quotient | Jobs over the year |
|---|---|---|---|---|
| Health care and social assistance | 4,625 | $1,135 | 1.16 | +1.8% |
| Retail trade | 3,725 | $658 | 1.45 | -0.8% |
| Accommodation and food services | 3,141 | $356 | 1.32 | +2.9% |
| Manufacturing | 2,528 | $1,083 | 1.19 | -0.4% |
| Transportation and warehousing | 1,916 | $1,238 | 1.72 | -4.0% |
| Construction | 1,270 | $988 | 0.92 | -26.4% |
| Educational services | 1,192 | $907 | 2.09 | +4.3% |
| Administrative and waste services | 887 | $822 | 0.59 | -2.2% |
| Wholesale trade | 786 | $1,066 | 0.78 | +13.6% |
| Finance and insurance | 692 | $1,367 | 0.64 | +2.4% |
| Other services | 642 | $868 | 0.81 | +0.0% |
| Professional and technical services | 641 | $819 | 0.35 | -3.6% |
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 #
$2.1 bn in deposits at 32 offices of 10 banks (SOD June 2026); HHI 3,205, highly concentrated. $523.2 m federal obligations in FY2026 (direct payments $519.9 m, contracts $2.4 m), $19,781 per covered job
| Item | Value | Distance |
|---|---|---|
| First Security Bank | $1.1 bn · 51.7% share · 10 offices | |
| First Community Bank | $397.4 m · 19.0% share · 5 offices | |
| Centennial Bank | $151.3 m · 7.2% share · 5 offices | |
| White, AR | $523.2 m FY2026 · $19,781/job | |
| MULTIPLE RECIPIENTS | $498.2 m · top recipient FY2026 |
| Institution | Deposits | Share | Offices |
|---|---|---|---|
| First Security Bank | $1,082,811,000 | 51.7% | 10 |
| First Community Bank | $397,424,000 | 19.0% | 5 |
| Centennial Bank | $151,331,000 | 7.2% | 5 |
| Regions Bank | $135,720,000 | 6.5% | 2 |
| Simmons Bank | $122,206,000 | 5.8% | 1 |
| Southern Bank | $121,477,000 | 5.8% | 3 |
| Riverwind Bank | $60,036,000 | 2.9% | 3 |
| Merchants & Planters' Bank | $12,186,000 | 0.6% | 1 |
| Eagle Bank and Trust Company | $9,561,000 | 0.5% | 1 |
| First National Bank Texas | $1,322,000 | 0.1% | 1 |
Deposit concentration is 3,205 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 = 51.7² + 19.0² + 7.2² + … (7 more) = 3,205
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 | $408,929,417 |
| Department of Veterans Affairs | $83,126,399 |
| Department of Education | $16,531,682 |
| Railroad Retirement Board | $5,860,982 |
| Department of Agriculture | $4,392,298 |
| Department of Housing and Urban Development | $3,276,402 |
| Department of Health and Human Services | $263,768 |
| Department of Justice | $193,797 |
| Department of the Treasury | $181,900 |
| Department of Transportation | $180,991 |
| Federal Communications Commission | $175,275 |
| Department of Defense | $47,646 |
That is $19,781 per covered job, against 26,450 jobs in the 2026 Q1 QCEW quarter.
per job = FY2026 obligations $523.2 m / 26,450 covered jobs (BLS QCEW 2026 Q1, all ownerships) = $19,781
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 #
White County, AR: 9 findings, 3 at a watch level and 6 noted
watchWhite County, AR's covered employment is -1.3% 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 = -1.3 < 0
BLS QCEW over-the-year percent change, as published; not an official level
watchWhite County, AR's average weekly wage is -0.3% against a year earlier, a watch level here: average weekly wage below the same quarter a year earlier, before inflation (BLS QCEW over-the-year percent change, as published, nominal dollars; 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 Q1.Show the arithmetic
- test: jobs.yoy.avgWeeklyWage = -0.3 < 0
BLS QCEW over-the-year percent change, as published, nominal dollars; convention chosen for this dashboard, not an official level
watchWhite County, AR's typical home value of $207,632 scores 41 on the 0-to-100 scale across US counties but 74 across Arkansas counties, a gap of 33 points.
Period 2026-09.Show the arithmetic
- 33 = |41 across US counties - 74 across Arkansas counties|
position among the entities that published this metric this period; not an official level
noteWhite County, AR's covered employment was 1.3% 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
- -1.3 % = 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
noteWhite County, AR's typical asking rent rose 0.5% from $1,060 in August 2026 to $1,064 in September 2026, on Zillow ZORI.
Period 2026-09.Show the arithmetic
- +0.5% = (1064.4642857142856 - 1059.595836517676) / 1059.595836517676 × 100
- 1064.4642857142856 = Zillow ZORI, 2026-09
- 1059.595836517676 = Zillow ZORI, 2026-08
Read all 9 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.