1st Advantage MortgageIn Calhoun County, Arkansas, the typical household earns $66,809 a year and the typical rent is $769. Whatever your own numbers, compare written offers on APR, fees and total cost, and verify the lender is licensed in Arkansas before sharing details.
On this page
- Calhoun County at a glance
- Calhoun County housing compared with Arkansas
- Income in Calhoun County compared with Arkansas
- Jobs and commutes in Calhoun County
- How Calhoun County compares with nearby counties
- Calhoun County towns compared
- Budget math at the Calhoun County median
- People and households in Calhoun County
- Reading the Calhoun County data as a borrower
- Who licenses lenders for Calhoun County residents
- Before you sign
- Nearby and statewide guides
- Frequently asked questions
Calhoun County at a glance
With an estimated 4,704 residents (ACS 2020 to 2024), Calhoun County ranks 75th of 75 in Arkansas for population. Spread over 629 square miles, that works out to roughly 7.5 residents per square mile. No metropolitan area includes Calhoun County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. The Census Bureau counts 4 places in the county (4 incorporated, 0 census-designated); the largest is Hampton, with about 1,037 residents, or 22% of the county. Because Calhoun County is small, the survey's margins of error are wide; treat the numbers as approximate.
Calhoun County housing compared with Arkansas
A typical Calhoun County rental runs $769 a month including utilities, which is 19% below Arkansas. By the Census definition, 27% of Calhoun County renters are cost-burdened. With a median value of $110,700, a typical Calhoun County house costs 1.7 times what the median household earns in a year. The ownership rate is 88%. Half the housing stock was built before 1982.
| Cost | Calhoun County | Arkansas figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $769/mo | $947/mo | $877/mo |
| Median home value | $110,700 | $188,000 | $185,300 |
| Owners | 88% | 66% | 75% |
| Rent-burdened renters | 27% | 45% | 45% |
| Burdened owners | 13% | 22% | n/a |
| Mobile homes | 28.7% | 11.0% | n/a |
| Vacant units | 31% | 14% | n/a |
Because most Calhoun County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral.
Income in Calhoun County compared with Arkansas
Half of Calhoun County households take in less than $66,809 a year and half take in more, 10% above the Arkansas median of $60,773. Only 6 Arkansas counties post a higher median.
| Yearly household income | Calhoun County | Gap to Arkansas |
|---|---|---|
| Under $35,000 | 26.7% | -2.2 pts |
| $35,000 to $99,999 | 43.8% | +0.7 pts |
| $100,000 to $199,999 | 25.3% | +4.1 pts |
| $200,000 or more | 4.1% | -2.6 pts |
The spread is wide: 29% of Calhoun County households make $100,000 or more, and 27% make less than $35,000. Census counts 10.2% of Calhoun County residents in poverty, against 16.0% across Arkansas. None of these numbers decides a Calhoun County application. Lenders weigh your own documented income against your own debts.
Jobs and commutes in Calhoun County
Education and health care employs 22% of working residents, the largest share; manufacturing is next with 20%. Manufacturing stands out: 20% of workers here, versus 13% statewide. Averaged over the five survey years, 5.6% of the labor force was out of work and looking. 16% of commuters travel 45 minutes or more each way, and 1% work from home.
| Sector | Calhoun County | Compared with Arkansas |
|---|---|---|
| Education and health care | 21.9% | -2.1 pts |
| Manufacturing | 20.0% | +7.3 pts |
| Retail trade | 12.0% | -1.2 pts |
| Construction | 10.5% | +3.2 pts |
| Agriculture, forestry and mining | 8.1% | +5.8 pts |
| Professional and administrative services | 7.6% | -0.6 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Calhoun County should have bank statements and tax returns ready.
How Calhoun County compares with nearby counties
Six nearby counties, 21 to 46 miles away by the straight-line distance between their centers. Union County leads the group on income ($55,259), Bradley County trails ($41,476), and Calhoun County out-earns 6 of the six.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Calhoun County | - | $66,809 | $769/mo | 88% |
| Bradley County, AR | 21 mi | $41,476 | $689/mo | 66% |
| Ouachita County, AR | 21 mi | $49,268 | $764/mo | 71% |
| Union County, AR | 28 mi | $55,259 | $847/mo | 73% |
| Dallas County, AR | 29 mi | $42,500 | $627/mo | 73% |
| Cleveland County, AR | 30 mi | $54,794 | $536/mo | 83% |
| Drew County, AR | 46 mi | $42,824 | $725/mo | 64% |
Calhoun County towns compared
Here are the 4 most populous of the county's 4 Census places, with income and rent from the same 2020 to 2024 survey. About 36% of Calhoun County residents live in one of the 4. Live in one of these Calhoun County communities, or between them? This is your local guide.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Hampton | city | 1,037 | $46,458 | $800 | 3 mi |
| Harrell | town | 323 | $81,250 | n/a | 7 mi |
| Thornton | city | 292 | $54,643 | $619 | 15 mi |
| Tinsman | town | 18 | n/a | n/a | 10 mi |
Budget math at the Calhoun County median
How much room does a median Calhoun County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- $5,567 a month: gross income for a household at the Calhoun County median
- Median rent: $769, or 14 cents of every gross dollar
- Under a 43% cap, $2,394 total minus rent leaves $1,625
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
People and households in Calhoun County
20% of Calhoun County adults 25 and older hold a bachelor's degree or more. About 5% go without health insurance.
| Residents | Calhoun County | Arkansas | Middle U.S. county |
|---|---|---|---|
| Median age | 44.1 | 38.5 | 41.5 |
| Bachelor's or higher | 19.8% | 25.7% | 22.2% |
| No high school diploma | 12.9% | 11.3% | n/a |
| No health insurance | 4.8% | 9.0% | 7.8% |
| No vehicle | 1.7% | 5.9% | 5.4% |
| Work from home | 1.5% | 8.8% | 8.7% |
| Poverty rate | 10.2% | 16.0% | 13.2% |
| Unemployment (ACS) | 5.6% | 4.9% | 4.4% |
| Commute length | Calhoun County |
|---|---|
| Under 15 min | 26.4% |
| 15 to 29 min | 40.3% |
| 30 to 44 min | 17.1% |
| 45 to 59 min | 8.9% |
| 60+ min | 7.3% |
Reading the Calhoun County data as a borrower
The county's numbers point to a few situations that come up often for Calhoun County borrowers.
- Manufactured homes. 29% of Calhoun County housing units are mobile homes, and their repairs are often paid with unsecured loans. Get the quote in writing.
- Know your credit. Review all three bureau reports for free (AnnualCreditReport.com).
- Debt consolidation. One fixed payment can save money only if the written APR and fees beat what you pay now (guide).
Who licenses lenders for Calhoun County residents
No county office licenses personal lenders. For Calhoun County, check the Arkansas State Bank Department. A CFPB complaint gets forwarded to the company for a response. Statewide data and rules: Arkansas guide.
Before you sign
A short checklist for Calhoun County borrowers:
- Size the loan to the bill, not to the most a lender offers.
- Shop at least three lenders, including one Calhoun County-area credit union.
- Look the lender up with the state regulator first.
- Lock paid-off cards after consolidating so balances stay at zero.
Nearby and statewide guides
The Arkansas guide covers the whole state.
Frequently asked questions
Is Calhoun County a high-income county?
Its $66,809 median ranks 7th of 75 Arkansas counties and compares with $65,681 for the median U.S. county.
What do renters pay in Calhoun County?
$769 a month at the median, about 14% of median household income.
I own my home in Calhoun County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 88% of homes owner-occupied here, many readers can compare both in writing.
Which towns does the Calhoun County guide cover?
Every community in the county, unincorporated areas included. The largest of its 4 Census places: Hampton, Harrell, Thornton, Tinsman.
Can Calhoun County residents use the questionnaire?
Yes. It asks the same questions in every Arkansas county, lists every requirement up front and does not affect your credit score.