| ZIP Code | 71965 |
|---|---|
| City | Pencil Bluff |
| State | Arkansas (AR) |
| County | Montgomery County |
| Area Code | 327/870 |
| Elevation | 817 ft |
| Latitude | 34.654748 |
|---|---|
| Longitude | -93.737364 |
| Timezone | Chicago (DST) |
| FIPS | 05097 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 38.8 yrs ↑ 3% since 2019 |
|---|---|
| Avg Household Size | 2.63 |
| Below Poverty | 48.9% ▲ 389% above avg |
| College Grads | 29.3% ▼ 24% below avg |
| Unemployment | 23.0% ▲ 369% above avg |
| HS Graduate | 74 (49.3%) |
| Some College | 10 (6.7%) |
| Associates | 22 (14.7%) |
| Bachelors | 30 (20%) |
| Graduate Degree | 14 (9.3%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $45,556 ▼ 40% below avg ↑ 77% since 2019 |
|---|---|
| Median Home Value | $127,900 ▼ 54% below avg ↑ 55% since 2019 |
| Home/Income Ratio | 2.8x (nat avg ~3.5x) |
| Total Units | 150 |
| Vacant Units | 48 |
| Avg HH Size | 2.63 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 150 |
|---|---|
| Vacant | 48 |
| Owner Occupied | 66.7% |
| Renter Occupied | 33.3% |
| Avg HH Size | 2.63 |
ZIP code 71965 is located in Pencil Bluff, Arkansas, within Montgomery County. With a population of 268, this is a sparsely populated ZIP code with a middle-aged community — the median age is 38.8 years. Economically, 71965 is a working-class ZIP code: the median household income of $45,556 is below the national average.
Real estate in ZIP code 71965 represents one of the more affordable housing markets in the country. The median home value of $127,900 is well below the national average. Homeownership is strong here — 66.7% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 55% since 2019.
The population of 71965 is primarily White (77.24%). Residents are moderately educated — 29.3% hold a bachelor's degree or higher, which is below the national average. Poverty affects a significant share of residents at 48.9%. Household income has grown by 77% since 2019.
The unemployment rate in 71965 stands at 23.0%, which is more than double the national average. As in most parts of the country, driving alone is the dominant commute mode at 91%.
Overall, ZIP code 71965 in Pencil Bluff, AR is characterized as working-class, moderately educated, a middle-aged community, and predominantly owner-occupied. With 268 residents, a median household income of $45,556, and a median home value of $127,900, it offers a clear picture of life in this part of Arkansas.