Population & age
- Total population
- 4,219
- Median age
- 59.5
Carroll County · Population 4,219
Holiday Island, AR (ZIP 72631) sits in Carroll 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 54.1%. No NCES schools are mapped to this ZIP in the current dataset. 2 colleges and universities serve the area, with median in-state tuition of $3,408. IRS data shows average household income (AGI) of $65,351, well above the ~$45K national average per return. Local establishments report average pay of $27,677 per worker (Census ZBP) — below the US average. BLS QCEW reports average annual pay of $40,303 per worker, roughly 38% below the US average. FDIC counts just 1 bank branch in this ZIP (Summary of Deposits, 2024) — residents likely lean on neighboring ZIPs or online banking for most services. FEMA has issued 21 federal disaster declarations affecting this ZIP since 1969 — a high-frequency exposure profile. County Health Rankings reports 10,688 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 $65,351 would pay roughly $1,529/year before deductions. New residents arriving here predominantly come from Washington 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: median household income $57,409, fair market rent of $960 for a two-bedroom, and a typical home value of $317,003, down 0.3% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
Studio
$660
/month
1 Bed
$750
/month
2 Bed
$960
/month
3 Bed
$1,150
/month
4 Bed
$1,350
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
$317,003
Zillow Home Value Index (ZHVI) · as of March 2026
-0.3%
vs. March 2025
+34.7%
vs. March 2021
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing units permitted
30
Across 25 permitted buildings. Total construction value: $7.9M.
Single-family
20
67% of total units
Multifamily (2+ unit)
10
33% of total units
Single-family value
$6.9M
construction value
Multifamily value
$1.0M
construction value
Based on county-level data (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Tax returns filed
1,920
Average AGI
$65,351
Avg property tax
$159
EITC participation
14.6%
Income distribution
Avg mortgage interest
$363
Avg charitable contribution
$502
Avg capital gains
$4,617
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 $125.5M across all reported brackets.
Business establishments
86
Total employment
403
Annual payroll
$11.2M
Average annual pay
$27,677
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.
Average annual pay
$40,303
Average weekly wage
$775
Total employment
10,760
Total establishments
803
That is roughly 38% 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 rate
3.6%
That is 0.4 percentage points below the US national unemployment rate of about 4.0%.
Labor force
11,927
Employed
11,496
Unemployed
431
Based on Carroll 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.
FDIC-insured bank branches
1
Limited banking access
Only a handful of branches — residents may rely on neighboring ZIPs or online banking for most services.
Total deposits
$55.6M
across all branches in this ZIP
Distinct institutions
1
different banks operating here
Top banks by deposits in this ZIP
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
Public EV charging stations
0
No public EV charging in this ZIP
EV drivers will need to rely on home charging or stations in neighboring ZIPs. Other alternative-fuel options may still be available locally.
Propane (LPG)
1
Propane autogas
Active public stations only. Snapshot taken 2026; AFDC's underlying registry refreshes continuously as stations open and close.
Source: U.S. Department of Energy via NREL (afdc.energy.gov). Per-ZIP counts of active public alternative-fuel stations (electric, hydrogen, propane, CNG, biodiesel, E85, LNG, renewable diesel) and EV charging-port totals.
Federally Declared Disasters
21
Date Range
1969–2026
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
Individual Assistance
3
Direct help to disaster survivors
Households Program
5
Housing & temporary lodging support
Public Assistance
21
Repair of public facilities & roads
Hazard Mitigation
11
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.
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
56.2°F
44.2° – 68.3°
Annual precipitation
46.6"
Annual snowfall
6.9"
Heating · cooling days
4,523.4 · 1,368
Annual base 65°F
Nearest station: GALENA, MO US, 27.4 miles from the centroid of Holiday Island, AR (ZIP 72631)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Years of potential life lost (per 100K)
10,688
That is roughly 2,488 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
23%
of adults self-report
Poor physical health days
5.1
avg per adult per month
Poor mental health days
6.2
avg per adult per month
Uninsured
14.3%
of residents under 65
Primary care MDs
67
per 100,000 residents
Preventable hospital stays
1,668
per 100K Medicare enrollees
Food environment (0-10)
7.0
10 = best access & security
Exercise access
54%
residents near a facility
Flu vaccinated
43%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 7.9% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Carroll 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 status
Moderate food access challenges
16.4% of Carroll County, AR residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.28
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
0.85
accepting food benefits
Fast-food restaurants
0.50
per 1,000 residents
Among low-income residents, 6.9% 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 Carroll 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).
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 · 24 reports
Property crime rate
—
per 100K residents · 61 reports
Homicide
0
Robbery
0
Burglary
15
Vehicle theft
13
County-level data for Carroll (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.
Net migration (2022-2023)
▲+178 people
+106 households • +$21.9M net AGI flow
Moved in
1,190households
2,097 people • $67.7M AGI
Moved out
1,084households
1,919 people • $45.8M AGI
Where new residents came from
Where departing residents went
Incoming households reported an average AGI of $56,865 versus departing households' $42,224.
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.
State-level rules that apply to every resident of ZIP 72631. Numbers reflect the most recent published year per source.
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 72631: At this ZIP's median AGI of $65,351, the estimated state income tax (before deductions) runs about $1,529 per year. Applied to this ZIP's typical home value of $317,003, that works out to roughly $1,639/year in property tax.
Program
Voluntary (private insurance framework)
Voluntary (private insurance framework)
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).
Nearby ZIPs by distance
65641 (Eagle Rock, 5.7 mi) · 72632 (Eureka Springs, 6.7 mi) · 65658 (Golden, 7.3 mi) · 65747 (Shell Knob, 12.3 mi) · 72616 (Berryville, 12.9 mi) · 72732 (Gateway, 13.1 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
36.4%
3.4pp above the 33.0% national rate.
54.1%
22.1pp above the 32.0% national rate.
22.4%
Tracks close to the 22.0% national rate.
85.3%
9.3pp above the 76.0% national rate.
8.3%
4.7pp below the 13.0% national rate.
17.5%
6.5pp above the 11.0% national rate.
Colleges in this area
2
Median in-state tuition
$3,408
Median earnings (10 yr)
$34,446
Harrison, AR · 72601
Mountain Home, AR · 72653
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.
Holiday Island, AR (ZIP 72631) sits in Carroll 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 54.1%. No NCES schools are mapped to this ZIP in the current dataset. 2 colleges and universities serve the area, with median in-state tuition of $3,408. IRS data shows average household income (AGI) of $65,351, well above the ~$45K national average per return. Local establishments report average pay of $27,677 per worker (Census ZBP) — below the US average. BLS QCEW reports average annual pay of $40,303 per worker, roughly 38% below the US average. FDIC counts just 1 bank branch in this ZIP (Summary of Deposits, 2024) — residents likely lean on neighboring ZIPs or online banking for most services. FEMA has issued 21 federal disaster declarations affecting this ZIP since 1969 — a high-frequency exposure profile. County Health Rankings reports 10,688 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 $65,351 would pay roughly $1,529/year before deductions. New residents arriving here predominantly come from Washington 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: median household income $57,409, fair market rent of $960 for a two-bedroom, and a typical home value of $317,003, down 0.3% over the past year. 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 near the national rate at 22.4%. 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.
36.4%, which is 3.4 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
22.4%, which is 0.4 percentage points above the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
54.1%, which is 22.1 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
4,219 people live in ZIP 72631, with a median age of 59.5 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
$57,409 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 72631, 83.9% of occupied housing units are owner-occupied and 16.1% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
In ZIP 72631, 9.7% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
3.5% of the population in ZIP 72631 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
91.7% of households in ZIP 72631 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
The typical home value in ZIP 72631 is $317,003, down 0.3% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Home values are down 0.3% over the past year and up 34.7% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
The average Adjusted Gross Income reported on tax returns from ZIP 72631 (Holiday Island, AR) is $65,351 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
Tax returns from ZIP 72631 report an average of $159 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
4.7% of tax returns from ZIP 72631 (Holiday Island, AR) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
As of 2022, 86 business establishments operated in ZIP 72631 employing 403 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
The average annual pay across all local establishments in ZIP 72631 is $27,677, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
According to the CDC Social Vulnerability Index (2022), ZIP 72631 ranks in the 45th percentile nationally for social vulnerability — a moderate vulnerability profile (retrieved May 3, 2026).
Housing Type & Transportation is the highest-scoring CDC SVI theme for ZIP 72631, ranking in the 71th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
FEMA has recorded 21 federal disaster declarations affecting ZIP 72631 between 1969–2026 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
Severe Storm is the most common federally declared disaster type affecting ZIP 72631, accounting for 11 of 21 declarations (52%, FEMA OpenFEMA, retrieved May 3, 2026).
The most recent FEMA disaster declaration affecting ZIP 72631 was "SEVERE WINTER STORM" — a winter storm declared in 2026 (DR-3636) (FEMA OpenFEMA, retrieved May 3, 2026).
2 colleges and universities are listed near ZIP 72631 by the U.S. Department of Education College Scorecard, including North Arkansas College and Arkansas State University-Mountain Home (retrieved May 2, 2026).
Median in-state tuition across 2 nearby institutions is $3,408 (College Scorecard, retrieved May 2, 2026).
Graduates of nearby colleges earn a median of $34,446 ten years after entry (College Scorecard, retrieved May 2, 2026).
ZIP 72631 has an average annual temperature of 56.2°F and 46.6" of annual precipitation based on the GALENA, MO US weather station 27.4 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Arkansas has a flat income tax with a top rate of 3.90%. Households at the local median AGI of $65,351 would pay roughly $1,529 in state income tax annually (estimated, before deductions). Combined sales tax: 9.46% (Tax Foundation 2025).
Arkansas runs an active paid family leave program offering up to — weeks of paid leave per year (Bipartisan Policy Center 2026).
This page covers health outcomes from CDC PLACES (40 metrics), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (2 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 (21 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.
Health data retrieved Apr 24, 2026 from CDC PLACES. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. 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 (21 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.
Nearby ZIPs by distance
65641 (Eagle Rock, 5.7 mi) · 72632 (Eureka Springs, 6.7 mi) · 65658 (Golden, 7.3 mi) · 65747 (Shell Knob, 12.3 mi) · 72616 (Berryville, 12.9 mi) · 72732 (Gateway, 13.1 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Have a specific question about ZIP 72631?
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
45th percentile
Moderate Vulnerability
Based on 2 census tracts, population 2,262
Vulnerability Themes
Households Without Vehicle
26
Limited English Speakers
12
Persons with Disability
421
Without HS Diploma
108
Without Health Insurance
149
Adults Age 65+
755
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.