Population & age
- Total population
- 230
- Median age
- 41.4
Pencil Bluff, AR (71965)
Montgomery County · Population 230
Fresh.Data current as of Apr 24, 2026
Pencil Bluff, AR (ZIP 71965) sits in Montgomery County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: High Blood Pressure comes in above the national average at 51.0%. No NCES schools are mapped to this ZIP in the current dataset. 6 colleges and universities serve the area, with median in-state tuition of $8,244. IRS data shows average household income (AGI) of $48,069 per tax return. Local establishments report average pay of $23,231 per worker (Census ZBP) — below the US average. BLS QCEW reports average annual pay of $36,741 per worker, roughly 44% below the US average. FEMA has issued 24 federal disaster declarations affecting this ZIP since 1968 — a high-frequency exposure profile. Annual precipitation averages 57.9" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 13,842 years of potential life lost per 100,000 (2025) — well above the national county median. Arkansas levies a flat state income tax (top rate 3.90%); a household at the local median AGI of $48,069 would pay roughly $1,125/year before deductions. New residents arriving here predominantly come from Garland County, AR (IRS SOI Migration, 2022-2023). Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: fair market rent of $880 for a two-bedroom, a 64.3% poverty rate (well above the ~12% US average), and a median home value of $91,300. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
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Demographics
Race & ethnicity
- White
- 100.0%
- Black
- 0.0%
- Asian
- 0.0%
- Hispanic / Latino
- 11.7%
Income & housing
- Median home value
- $91,300
Education
- Bachelor's degree or higher (age 25+)
- 11.0%
Employment
- Unemployment rate
- 0.0%
Housing
- Owner-occupied
- 61(62.2%)
- Renter-occupied
- 37(37.8%)
- Vacant units
- 63
- Built (median)
- 1980
Commute
- Public transit
- 0(0.0%)
- Work from home
- 0(0.0%)
- Avg commute
- 30.1 min
Economic wellbeing
- Below poverty line
- 148(64.3%)
- Uninsured
- 0(0.0%)
Digital access
- Broadband access
- 65(66.3%)
- No broadband
- 33(33.7%)
Language & nativity
- Foreign-born
- 0(0.0%)
- Non-English at home
- 5(2.3%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$630
/month
1 Bed
$800
/month
2 Bed
$880
/month
3 Bed
$1,100
/month
4 Bed
$1,240
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Income & tax statistics
Tax returns filed
130
Average AGI
$48,069
Avg property tax
—
EITC participation
—
Income distribution
- $1 – $25,00038.5% · 50
- $25,000 – $50,00023.1% · 30
- $50,000 – $75,00015.4% · 20
- $75,000 – $100,00023.1% · 30
- $100,000 – $200,0000.0% · 0
- $200,000 or more0.0% · 0
Avg mortgage interest
—
Avg charitable contribution
—
Avg capital gains
—
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $6.2M across all reported brackets.
Business & employment
Business establishments
4
Total employment
13
Annual payroll
$302K
Average annual pay
$23,231
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Employment & wages
Average annual pay
$36,741
Average weekly wage
$707
Total employment
1,276
Total establishments
185
That is roughly 44% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
4.6%
That is 0.6 percentage points above the US national unemployment rate of about 4.0%.
Labor force
3,042
Employed
2,903
Unemployed
139
Based on Montgomery County, AR data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Federal Disaster Declarations
Federally Declared Disasters
24
Date Range
1968–2026
Most Recent Declaration
SEVERE WINTER STORM
Winter Storm — declared January 24, 2026 (DR-3636)
Incident period: January 23, 2026 – January 27, 2026
Top Incident Types
- Severe Storm8 (33%)
- Flood5 (21%)
- Hurricane3 (13%)
- Severe Ice Storm3 (13%)
- Biological2 (8%)
- Other3 (13%)
Individual Assistance
5
Direct help to disaster survivors
Households Program
2
Housing & temporary lodging support
Public Assistance
24
Repair of public facilities & roads
Hazard Mitigation
8
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Climate
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
59.2°F
47.6° – 70.8°
Annual precipitation
57.9"
Annual snowfall
4.4"
Heating · cooling days
3,631.1 · 1,547.1
Annual base 65°F
Nearest station: MT IDA 3 SE, AR US, 11.6 miles from the centroid of Pencil Bluff, AR (ZIP 71965)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Community health profile
Years of potential life lost (per 100K)
13,842
That is roughly 5,642 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
24%
of adults self-report
Poor physical health days
5.5
avg per adult per month
Poor mental health days
6.5
avg per adult per month
Uninsured
13.2%
of residents under 65
Primary care MDs
23
per 100,000 residents
Preventable hospital stays
2,903
per 100K Medicare enrollees
Food environment (0-10)
5.7
10 = best access & security
Exercise access
97%
residents near a facility
Flu vaccinated
32%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 8.3% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Montgomery data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Moderate food access challenges
23.1% of Montgomery County, AR residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
—
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
0.82
accepting food benefits
Fast-food restaurants
0.33
per 1,000 residents
Among low-income residents, 10.5% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Montgomery County, AR for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Safety
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 15 reports
Property crime rate
—
per 100K residents · 11 reports
Homicide
0
Robbery
1
Burglary
7
Vehicle theft
0
County-level data for Montgomery (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Who’s moving in and out
Net migration (2022-2023)
▲+35 people
+5 households • +$3.5M net AGI flow
Moved in
253households
499 people • $13.8M AGI
Moved out
248households
464 people • $10.3M AGI
Where new residents came from
- Garland County, AR — 28 households
- Pike County, AR — 28 households
Where departing residents went
- Garland County, AR — 44 households
- Pike County, AR — 36 households
Incoming households reported an average AGI of $54,715 versus departing households' $41,706.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Taxes & benefits in Arkansas
State-level rules that apply to every resident of ZIP 71965. Numbers reflect the most recent published year per source.
Tax rates
Income tax
3.90%
flat · 1 brackets
Sales tax (combined)
9.46%
State 6.50% · avg local 2.96%
Property tax (effective)
0.52%
Median $679/year
Tax burden rank
28 of 50
10.30% of personal income
For ZIP 71965: At this ZIP's median AGI of $48,069, the estimated state income tax (before deductions) runs about $1,125 per year. Applied to this ZIP's typical home value of $91,300, that works out to roughly $472/year in property tax.
Paid family leave
Program
Voluntary (private insurance framework)
Voluntary (private insurance framework)
Safety net
SNAP eligibility
130% FPL
Federal 130% FPL gross income limit. Asset limit $3,000.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs near 71965
Nearby ZIPs by distance
71969 (6.2 mi) · 71961 (Oden, 6.9 mi) · 71957 (Mount Ida, 10.2 mi) · 71960 (Norman, 12.8 mi) · 72950 (13.4 mi) · 71970 (14.1 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Data sources used on this page
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
Obesity
42.2%
9.2pp above the 33.0% national rate.
High Blood Pressure
51.0%
19.0pp above the 32.0% national rate.
Depression
25.4%
3.4pp above the 22.0% national rate.
Annual Checkup
82.7%
6.7pp above the 76.0% national rate.
Health Insurance
10.1%
2.9pp below the 13.0% national rate.
Diabetes
18.0%
7.0pp above the 11.0% national rate.
Colleges & universities nearby
Colleges in this area
6
Median in-state tuition
$8,244
Median earnings (10 yr)
$32,444
- 2-Year
National Park College
Hot Springs, AR · 71913
- In-state tuition
- $5,600
- Out-of-state tuition
- $7,280
- Acceptance rate
- —
- Graduation rate
- 35.6%
- Median earnings (10 yr)
- $32,444
- Median student debt
- $10,500
- 4-Year
Ouachita Baptist University
Arkadelphia, AR · 71998
- In-state tuition
- $34,500
- Out-of-state tuition
- $34,500
- Acceptance rate
- 67.5%
- Graduation rate
- 66.0%
- Median earnings (10 yr)
- $51,673
- Median student debt
- $21,050
- 4-Year
Henderson State University
Arkadelphia, AR · 71999
- In-state tuition
- $8,244
- Out-of-state tuition
- $10,620
- Acceptance rate
- —
- Graduation rate
- 37.6%
- Median earnings (10 yr)
- $43,459
- Median student debt
- $19,500
- 2-Year
University of Arkansas Community College Rich Mountain
Mena, AR · 71953
- In-state tuition
- $3,696
- Out-of-state tuition
- $4,272
- Acceptance rate
- —
- Graduation rate
- 58.1%
- Median earnings (10 yr)
- $30,037
- Median student debt
- $6,500
- 4-Year
Champion Christian College
Hot Springs, AR · 71913
- In-state tuition
- $11,510
- Out-of-state tuition
- $11,510
- Acceptance rate
- —
- Graduation rate
- —
- Median earnings (10 yr)
- —
- Median student debt
- —
- Certificate
Hot Springs Beauty College
Hot Springs, AR · 71901
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 38.5%
- Median earnings (10 yr)
- $21,563
- Median student debt
- $9,700
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
What these numbers say together
Pencil Bluff, AR (ZIP 71965) sits in Montgomery County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: High Blood Pressure comes in above the national average at 51.0%. No NCES schools are mapped to this ZIP in the current dataset. 6 colleges and universities serve the area, with median in-state tuition of $8,244. IRS data shows average household income (AGI) of $48,069 per tax return. Local establishments report average pay of $23,231 per worker (Census ZBP) — below the US average. BLS QCEW reports average annual pay of $36,741 per worker, roughly 44% below the US average. FEMA has issued 24 federal disaster declarations affecting this ZIP since 1968 — a high-frequency exposure profile. Annual precipitation averages 57.9" — a wet-climate ZCTA per NOAA's 1991–2020 Normals. County Health Rankings reports 13,842 years of potential life lost per 100,000 (2025) — well above the national county median. Arkansas levies a flat state income tax (top rate 3.90%); a household at the local median AGI of $48,069 would pay roughly $1,125/year before deductions. New residents arriving here predominantly come from Garland County, AR (IRS SOI Migration, 2022-2023). Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: fair market rent of $880 for a two-bedroom, a 64.3% poverty rate (well above the ~12% US average), and a median home value of $91,300. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
One concrete reading worth keeping: Depression prevalence sits higher the national rate at 25.4%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 71965
What is the obesity rate in ZIP 71965?
42.2%, which is 9.2 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the depression rate in ZIP 71965?
25.4%, which is 3.4 percentage points above the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the high blood pressure rate in ZIP 71965?
51.0%, which is 19.0 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the population of ZIP 71965?
230 people live in ZIP 71965, with a median age of 41.4 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 71965 mostly renters or homeowners?
In ZIP 71965, 62.2% of occupied housing units are owner-occupied and 37.8% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 71965?
In ZIP 71965, 0.0% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 71965?
64.3% of the population in ZIP 71965 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 71965 have broadband internet?
66.3% of households in ZIP 71965 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the average household income in ZIP 71965?
The average Adjusted Gross Income reported on tax returns from ZIP 71965 (Pencil Bluff, AR) is $48,069 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 71965?
Tax returns from ZIP 71965 report an average of $0 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 71965 earn over $200,000?
0.0% of tax returns from ZIP 71965 (Pencil Bluff, AR) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How many businesses are in ZIP 71965?
As of 2022, 4 business establishments operated in ZIP 71965 employing 13 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 71965?
The average annual pay across all local establishments in ZIP 71965 is $23,231, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 71965 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 71965 ranks in the 40th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 71965?
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 71965, ranking in the 56th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 71965 experienced?
FEMA has recorded 24 federal disaster declarations affecting ZIP 71965 between 1968–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 71965?
Severe Storm is the most common federally declared disaster type affecting ZIP 71965, accounting for 8 of 24 declarations (33%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 71965?
The most recent FEMA disaster declaration affecting ZIP 71965 was "SEVERE WINTER STORM" — a winter storm declared in 2026 (DR-3636) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 71965?
6 colleges and universities are listed near ZIP 71965 by the U.S. Department of Education College Scorecard, including National Park College, Ouachita Baptist University, and Henderson State University (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 71965?
Median in-state tuition across 6 nearby institutions is $8,244 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 71965?
Graduates of nearby colleges earn a median of $32,444 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 71965?
ZIP 71965 has an average annual temperature of 59.2°F and 57.9" of annual precipitation based on the MT IDA 3 SE, AR US weather station 11.6 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
What taxes apply in ZIP 71965?
Arkansas has a flat income tax with a top rate of 3.90%. Households at the local median AGI of $48,069 would pay roughly $1,125 in state income tax annually (estimated, before deductions). Combined sales tax: 9.46% (Tax Foundation 2025).
Does Arkansas have paid family leave?
Arkansas runs an active paid family leave program offering up to — weeks of paid leave per year (Bipartisan Policy Center 2026).
What data is available for ZIP 71965?
This page covers health outcomes from CDC PLACES (40 metrics), demographics from the Census ACS 5-Year (2022), colleges from the U.S. Department of Education College Scorecard (6 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (24 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (24 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 71965
Nearby ZIPs by distance
71969 (6.2 mi) · 71961 (Oden, 6.9 mi) · 71957 (Mount Ida, 10.2 mi) · 71960 (Norman, 12.8 mi) · 72950 (13.4 mi) · 71970 (14.1 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
More Info topics
Have a specific question about ZIP 71965?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
40th percentile
Moderate Vulnerability
Based on 1 census tract, population 171
Vulnerability Themes
Households Without Vehicle
2
Persons with Disability
49
Without HS Diploma
15
Without Health Insurance
13
Adults Age 65+
43
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.