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Arkansas ZIP Codes
Montgomery County
Pencil Bluff, AR
71965
71965 ZIP Code — Pencil Bluff, AR
Montgomery County, Arkansas
ZIP code 71965 is located in
Pencil Bluff ,
Arkansas ,
within Montgomery County .
It covers approximately 16.52 square miles and serves a population of
230 residents.
This is a standard ZIP code in the Central (CT) timezone,
served by area code 870 .
About ZIP code 71965
The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $91,300. Owner-occupancy sits near the national average at 62%.
The dominant occupation class is sales and office, with education and healthcare as the leading industry. The average commute of 30 minutes is near the national average.
College attainment at 11% is below the national average, consistent with a trades and production-oriented local economy.
Health indicators show elevated rates of diabetes (15%), smoking (23%) compared to national benchmarks.
Notable community characteristics include a notable veteran presence at 13% of civilians, above the national average of 7%; and disability rates above the national average at 36%.
Overall, ZIP code 71965 reflects a community defined by a trades-oriented workforce, economic challenges above the national average, a strong veteran community, a significant Social Security-dependent population, and elevated reliance on food assistance.
71965 ZIP code map
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Cities in ZIP code 71965
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Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
230
Population density
14 / sq mi
State FIPS
05
County FIPS
097
Geography
Land area
16.52 sq mi
Water area
0.13 sq mi
Latitude
34.6490
Longitude
-93.7402
Timezone
Central (CT)
Area code
870
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
74.1%
60.0%
50.4%
$50k – $100k
4.6%
26.2%
29.9%
$100k – $200k
21.3%
12.4%
15.7%
Over $200k
0.0%
1.4%
4.0%
Demographics & statistics
$0
Median household income
11.0%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 66 28.7% 18 and over 164 71.3% 65 and over 47 20.4% Median age 41.4 years
Race & ethnicity
Household income
Income range
This ZIP
County avg
State avg
Under $50k
74.1%
60.0%
50.4%
$50k – $100k
4.6%
26.2%
29.9%
$100k – $200k
21.3%
12.4%
15.7%
Over $200k
0.0%
1.4%
4.0%
Range % of households Under $10k 35.7% $10k–$15k 22.4% $35k–$50k 18.4% $50k–$75k 4.1% $75k–$100k 5.1% $100k–$150k 14.3% Median income $0
Housing
Housing overview
Metric Value Median home value $91,300 Median rent / month $0 Owner occupied 62.2% Renter occupied 37.8% Vacant 39.1% Single-family detached 65.2% Large apartment buildings 0.0% Mobile homes 24.8% Median rooms 5.3 Avg household size (owned) 2.69
Year built
Era % 2020 or later 0.0% 2010–2019 12.4% 2000–2009 6.2% 1990–1999 13.7% 1980–1989 18.0% 1970–1979 18.0% 1960–1969 0.0% 1950–1959 4.3% 1940–1949 13.7% 1939 or earlier 13.7%
Bedrooms
Size % of units No bedroom (studio) 0.0% 1 bedroom 16.1% 2 bedrooms 31.1% 3 bedrooms 39.1% 4 bedrooms 10.6% 5+ bedrooms 3.1%
Vehicles per household
Vehicles % of households No vehicle 16.3% 1 vehicle 40.8% 2 vehicles 21.4% 3 or more 21.4%
Heating fuel
Fuel type % Electricity 40.8% Propane / LP gas 22.4% Wood 20.4%
Households & families
Household type Count % Married-couple family 43 43.9% Cohabiting couple 9 9.2% Male householder, no spouse 10 10.2% Female householder, no spouse 36 36.7% Households with children under 18 30 30.6% Households with seniors (65+) 35 35.7% Average household size 2.35
Marital status
Status Male Female Never married 0.0% 13.1% Married 73.2% 44.9% Separated 0.0% 0.0% Widowed 12.7% 16.8% Divorced 14.1% 25.2%
Education
Some college, no degree
19.5%
Graduate / professional
0.0%
Metric % HS diploma or higher 92.7% Bachelor's or higher 11.0%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 0 0.0% Kindergarten 0 0.0% Elementary school 26 45.6% High school 31 54.4% College / grad school 0 0.0%
Employment
Industry of employment
Education & healthcare
37.8%
Agriculture & mining
8.9%
Occupation
Category % Management, business & arts 26.7% Service 11.1% Sales & office 28.9% Natural resources & construction 22.2% Production & transportation 11.1%
Employment type
Type % Private sector 91.1% Government 0.0% Self-employed 8.9% Unpaid family workers 0.0%
Commute
Method % Drive alone 85.7% Carpool 0.0% Public transit 0.0% Walk 14.3% Work from home 0.0% Other means 0.0% Avg commute (minutes) 30.1
Poverty
Married-couple families
39.5%
Female-led households
66.7%
Income support
Source % of households Social Security 50.0% Retirement income 19.4% Supplemental Security 6.1% Cash public assistance 0.0% Food stamps / SNAP 23.5%
Health indicators
Condition % Obesity 36.6% High blood pressure 46.7% High cholesterol 43.7% Diabetes 15.3% Heart disease 11.7% Stroke 5.2% Asthma 10.2% Arthritis 34.8% Kidney disease 4.5% Pulmonary disease 12.8% Cancer 9.2%
Behavior / access % Smoking 22.6% Binge drinking 12.4% No physical activity 34.0% Less than 7 hrs sleep 31.5% Depression 24.7% Fair or poor health 24.6% Poor mental health 16.0% Poor physical health 16.4% No health insurance 14.4% Visited doctor (checkup) 78.5% Visited dentist 51.4% Cholesterol screening 89.3% Teeth loss 21.8%
Veterans & disability
Veterans Count % Civilian veterans 22 13.4%
Disability % Any disability 36.1% Under 18 21.2% 18–64 years 25.6% 65 and over 83.0%
Health insurance coverage
Type % Private insurance 42.2% Public insurance 64.8% No insurance 0.9% Uninsured under 19 0.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 221 96.1% Spanish 0 0.0% Other Indo-European 0 0.0% Asian & Pacific Islander 0 0.0% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 230 100.0% Born in same state 230 100.0% Born in different state 89 38.7% Foreign born 0 0.0% Naturalized citizen 0 0.0% Not a US citizen 0 0.0%
Ancestry
Ancestry Count % Arab 37 16.1% French 28 12.2%
Ancestry Count % Italian 25 10.9%
Technology access
Metric % of households Computer access 42.6% Internet access 89.8%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 71965
What city is ZIP code 71965 in?
ZIP code 71965 is primarily assigned to Pencil Bluff, Arkansas.
What county is ZIP code 71965 in?
ZIP code 71965 falls within Montgomery County, Arkansas.
What is the poverty rate in ZIP code 71965?
64% of residents in ZIP code 71965 live below the poverty line, above the national average.
Does ZIP code 71965 have a large retiree population?
50% of households in ZIP code 71965 receive Social Security income, suggesting a significant retiree or disability population.
How educated is the population of ZIP code 71965?
11% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.
Does ZIP code 71965 have a large veteran population?
13% of civilians in ZIP code 71965 are veterans, above the national average of ~7%.
What timezone is ZIP code 71965 in?
ZIP code 71965 observes the CST timezone.
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