ZIP Code 71965 — Pencil Bluff CDP, AR Demographics & Data

ZIP code 71965 covers Pencil Bluff, AR in Montgomery County with a population of about 268.

At a glance, the area shows median age of 38.8 (near the U.S. median).

It sits in telephone area code 870; U.S. House district AR-4; the LITTLE ROCK - PINE BLUFF media market.

Median household income in ZIP 71965 is about $45,556 — about 39% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 48.9%; unemployment rate near 23.0%; 8.1% of adults with a bachelor’s degree or higher (about 25.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Manufacturing, and Healthcare; a mean commute of about 57.0 minutes (U.S. average near 26.8).

Median home value is about $127,900 — about 63% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 66.7% (about 1.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 71965 in Pencil Bluff, AR, a household would need roughly $35,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $822. That sits below the local median household income ($45,556), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Pencil Bluff CDP, AR as Very Low (composite score 30.7), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (61.5) and flood (48.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Pencil Bluff CDP, AR show little to no average snow and around 57.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 9 for ZIP 71965 (Pencil Bluff CDP, AR) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.