ZIP Code 72322 — Caldwell town, AR Demographics & Data

ZIP code 72322 covers Caldwell, AR in St. Francis County with a population of about 89.

At a glance, the area shows median age of 44.2 versus a U.S. median of about 38.9.

It sits in telephone area code 870; U.S. House district AR-1; the MEMPHIS media market.

Caldwell, AR fits a retirement-oriented profile (high share of residents 65+ (40.5%)). 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 72322 is about $36,500 — about 51% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 36.0%; unemployment rate near 0.0%; 5.8% of adults with a bachelor’s degree or higher (about 27.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Wholesale trade, Food services, and Manufacturing; a mean commute of about 22.0 minutes (U.S. average near 26.8).

Median home value is about $68,000 — about 80% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 75.0% (about 9.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 72322 in Caldwell, AR, a household would need roughly $19,000 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 $437. That sits below the local median household income ($36,500), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Caldwell town, AR as Relatively Low (composite score 74.7), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (51.2) and flood (41.2). 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 Caldwell town, AR show little to no average snow and around 50.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 3 for ZIP 72322 (Caldwell town, 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.