ZIP Code 72631 — Holiday Island CDP, AR Demographics & Data

ZIP code 72631 covers Holiday Island, AR in Carroll County with a population of about 4,084.

At a glance, the area shows median age of 59.6 versus a U.S. median of about 38.9.

It sits in telephone area code 479; U.S. House district AR-3; the SPRINGFIELD, MO media market.

Holiday Island, AR fits a retirement-oriented profile (high share of residents 65+ (39.7%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 72631 is about $58,799 — about 22% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.4%; unemployment rate near 5.2%; 29.2% of adults with a bachelor’s degree or higher (about 4.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Construction, and Manufacturing; about 12.1% of workers reporting work-from-home (about 3.1 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $241,800 — about 31% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $721 (about 38% below the U.S. median rent ($1,163)), and owner-occupancy near 82.7% (about 17.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 72631 in Holiday Island, AR, a household would need roughly $67,000 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 $1,553. That is roughly in line with the local median household income ($58,799). 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 Holiday Island CDP, AR as Relatively Low (composite score 64.6), which is near the middle of the national distribution. The strongest component scores on US5 are flood (65.1) and wildfire (64.9). 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 Holiday Island CDP, AR show little to no average snow.

IRS migration statistics show a net inflow of about 143 for ZIP 72631 (Holiday Island 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.