1st Advantage MortgageLonoke County households have a median income of $72,828 and median rent of $1,025 a month (ACS 2020 to 2024). 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
- Population and place: Lonoke County
- Housing costs in Lonoke County
- Lonoke County's most unusual numbers
- The $72,828 median and what sits around it
- Labor force snapshot: Lonoke County
- Regional comparison for Lonoke County
- Cabot and the rest of Lonoke County
- Before borrowing in Lonoke County
- Lonoke County households compared
- Room for a loan payment in Lonoke County
- Arkansas lender licensing
- Checklist for Lonoke County applicants
- Keep exploring
- Frequently asked questions
Population and place: Lonoke County
Roughly 75,272 residents live in Lonoke County, Arkansas, 10th by population among the state's 75 counties and county equivalents. It covers 772 square miles of land, or about 98 people per square mile. Metro area: Little Rock-North Little Rock-Conway, AR (OMB, 2023). Cabot is the biggest of its 11 Census places, at roughly 26,960 people (36% of the county total).
Housing costs in Lonoke County
A typical Lonoke County rental runs $1,025 a month including utilities, which is 8% above Arkansas. By the Census definition, 40% of Lonoke County renters are cost-burdened. Median value $193,600; median income $72,828; ratio 2.7. Owners occupy 75% of homes. Nationally, Lonoke County's $1,025 rent is 17% above the middle county.
| Housing | Lonoke County | Arkansas statewide | Lonoke County vs state |
|---|---|---|---|
| Median gross rent | $1,025/mo | $947/mo | 8% higher |
| Median home value | $193,600 | $188,000 | 3% higher |
| Owners | 75% | 66% | +8.5 pts |
| Rent-burdened renters | 40% | 45% | -4.4 pts |
| Burdened owners | 17% | 22% | -5.2 pts |
| Mobile homes | 13.0% | 11.0% | +2.0 pts |
| Vacant units | 8% | 14% | -6.0 pts |
With 75% of Lonoke County homes owner-occupied, equity is a real alternative for many readers; just remember a missed HELOC payment puts the home at risk.
Lonoke County's most unusual numbers
Where Lonoke County lands at the extremes of Arkansas's county rankings:
- On the housing vacancy rate, Lonoke County sits near the bottom of Arkansas at 8%, 2nd lowest of 75. Low vacancy tends to push rents up over time.
- Lonoke County ranks 3rd highest of 75 Arkansas counties for median household income: $72,828, against $60,773 statewide. Higher local incomes do not change lender rules; your documented income is what counts.
- On the poverty rate, Lonoke County sits near the bottom of Arkansas at 10.4%, 4th lowest of 75. A low poverty rate does not mean every budget has room; test the payment.
- The share of households earning $100,000 or more: 34% in Lonoke County. Only 2 of 75 Arkansas counties are higher. Big incomes invite big loans; borrow only what you need.
The $72,828 median and what sits around it
$72,828 is the median household income for Lonoke County, set against $60,773 for Arkansas.
| Income band | Share in Lonoke County | Difference from Arkansas |
|---|---|---|
| Under $35,000 | 21.0% | -8.0 pts |
| $35,000 to $99,999 | 44.8% | +1.7 pts |
| $100,000 to $199,999 | 27.7% | +6.5 pts |
| $200,000 or more | 6.5% | -0.2 pts |
About 21% of households earn under $35,000, while 34% clear $100,000. Census counts 10.4% of Lonoke County residents in poverty, against 16.0% across Arkansas. If your income is irregular, as it often is with tips, gig work or seasonal jobs, plan around your leaner months rather than the Lonoke County median.
Labor force snapshot: Lonoke County
The biggest employer of Lonoke County residents, by industry, is education and health care at 23% of workers, followed by retail trade (12%). Lonoke County over-indexes on public administration: 7% versus 4% in Arkansas. Unemployment in Lonoke County, ACS five-year: 4.4%; Arkansas: 4.9%. Long commutes are common here: 19% of workers spend 45 minutes or longer getting to work. Only 4.1% of homes here go without a vehicle.
| Sector | Lonoke County | Compared with Arkansas |
|---|---|---|
| Education and health care | 22.7% | -1.3 pts |
| Retail trade | 12.1% | -1.1 pts |
| Transportation, warehousing and utilities | 8.8% | +2.5 pts |
| Manufacturing | 8.4% | -4.4 pts |
| Arts, lodging and food service | 7.6% | -0.2 pts |
| Construction | 7.4% | +0.1 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
Regional comparison for Lonoke County
Prairie County is closest, 20 miles from center to center; the sixth, Monroe County, is 40 miles off. None of the six report a higher median household income than Lonoke County; Faulkner County is highest at $67,289 and Monroe County lowest at $43,214.
| Adjacent area | How far | HH income (median) | Rent (median) | Owner share |
|---|---|---|---|---|
| Lonoke County | - | $72,828 | $1,025/mo | 75% |
| Prairie County, AR | 20 mi | $51,646 | $625/mo | 76% |
| Pulaski County, AR | 24 mi | $62,873 | $1,080/mo | 57% |
| Jefferson County, AR | 33 mi | $51,096 | $888/mo | 62% |
| White County, AR | 35 mi | $55,249 | $850/mo | 69% |
| Faulkner County, AR | 37 mi | $67,289 | $1,005/mo | 62% |
| Monroe County, AR | 40 mi | $43,214 | $614/mo | 63% |
Cabot and the rest of Lonoke County
The table lists the 11 largest of 11 Census places in Lonoke County, by population. Together all 11 hold about 46,888 people, so roughly 38% of residents live outside any named place. Gap between richest and poorest larger place: $72,051, Austin over Carlisle. Median rent ranges from $657 in Carlisle to $1,335 in Austin. This guide covers each of the 11 places and the rural areas around them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Cabot | city | 26,960 | $75,000 | $1,110 | 17 mi |
| Ward | city | 6,573 | $72,734 | $1,202 | 18 mi |
| Lonoke | city | 4,267 | $47,524 | $757 | 3 mi |
| Austin | city | 3,915 | $113,764 | $1,335 | 18 mi |
| England | city | 2,294 | $46,544 | $760 | 15 mi |
| Carlisle | city | 2,227 | $41,713 | $657 | 9 mi |
| Keo | town | 322 | $39,000 | $895 | 12 mi |
| Humnoke | city | 122 | $42,813 | n/a | 17 mi |
| Allport | town | 102 | $21,875 | n/a | 16 mi |
| Coy | town | 60 | $60,313 | n/a | 15 mi |
| Scott | CDP | 46 | n/a | n/a | 12 mi |
Before borrowing in Lonoke County
Based on the Lonoke County data above, these borrowing questions are most likely to matter locally.
- Commuter costs. 19% drive 45 minutes or more. Compare shop financing with a loan, and keep a small repair fund.
- Manufactured homes. 13% of Lonoke 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).
Lonoke County households compared
22% of Lonoke County adults 25 and older hold a bachelor's degree or more. Health coverage gaps: 6.2% of Lonoke County residents are uninsured.
| Lonoke County | vs Arkansas | vs U.S. county median | |
|---|---|---|---|
| Median age | 37.8 | -0.7 yrs | -3.7 yrs |
| Bachelor's or higher | 22.1% | -3.7 pts | -0.1 pts |
| No high school diploma | 9.3% | -2.0 pts | n/a |
| No health insurance | 6.2% | -2.8 pts | -1.6 pts |
| No vehicle | 4.1% | -1.8 pts | -1.4 pts |
| Work from home | 7.9% | -0.9 pts | -0.8 pts |
| Poverty rate | 10.4% | -5.6 pts | -2.8 pts |
| Unemployment (ACS) | 4.4% | -0.5 pts | 0.0 pts |
| Commute length | Lonoke County |
|---|---|
| Under 15 min | 18.0% |
| 15 to 29 min | 33.0% |
| 30 to 44 min | 30.3% |
| 45 to 59 min | 11.7% |
| 60+ min | 7.0% |
Room for a loan payment in Lonoke County
Lonoke County's $72,828 median income, run through a debt-to-income check:
- Monthly gross at the median, Lonoke County: $6,069
- Less median rent of $1,025, which is 17% of it
- With a 36% ceiling, about $1,160 remains for car, card, student and any new loan payments
- Under a 43% cap, $2,610 total minus rent leaves $1,585
These are gross figures; take-home pay in Lonoke County will be lower after taxes and deductions.
Arkansas lender licensing
No county office licenses personal lenders. For Lonoke County, check the Arkansas State Bank Department. If a Lonoke County lender ignores a dispute, the CFPB complaint portal is the federal backstop. See the Arkansas state guide for the statewide picture.
Checklist for Lonoke County applicants
A short checklist for Lonoke County borrowers:
- Size the loan to the bill, not to the most a lender offers.
- Shop at least three lenders, including one Lonoke County-area credit union.
- Confirm the lender is licensed in Arkansas.
- Confirm the first due date before setting up autopay.
Keep exploring
No city in Lonoke County has its own guide yet; the state page is next up.
Frequently asked questions
Is Lonoke County a high-income county?
Its $72,828 median ranks 3rd of 75 Arkansas counties and compares with $65,681 for the median U.S. county.
Is Lonoke County expensive for renters?
Median rent is $1,025 against $947 statewide, and 40% of renter households are cost-burdened.
Does this page cover Cabot?
Yes, along with the other 10 Census places in Lonoke County, such as Ward, Lonoke, Austin.
Will a Lonoke County address affect my match?
Beyond confirming Arkansas as your state, no. Your answers about amount, credit, income and payments are all that count.
Who regulates personal lenders for Lonoke County residents?
The Arkansas State Bank Department licenses consumer lenders in Arkansas; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.