ZIP code 72104

ZIP 72104 is a mid-size town in Hot Spring County, Arkansas, with 23,222 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #38 of 614 ranked by population — larger than 93% of them. The median age here is 42 years against 39.1 nationally, a slightly older profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 72104 earn a median of $51,492 a year, 34.4% below the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 19% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in ZIP 72104 is valued at $117,300, 61.3% below the national figure, while median gross rent runs $768 a month, 45.4% below the national figure, or roughly $9,216 across a full year. A household on the local median income would put about 17.9% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.3×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 72% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 72104 is tabulated inside Hot Spring County, Arkansas, one of 4 ZIP areas the Census publishes for that county and 614 across Arkansas. This is a mid-sized ZIP that covers a large share of its county's addresses. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 72104 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 72104 reports a median household income of $51,492, 23% below the $66,707 county median, and 3% below the $52,862 typical AR ZIP. Owner-occupied homes are valued at a median of $117,300, 15% below the county figure and close to the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $768 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Arkansas charges 6.5% statewide, and local governments overlapping 72104 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 72104 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.