ZIP Code 72581 — Tumbling Shoals CDP, AR Demographics & Data

ZIP code 72581 covers Tumbling Shoals, AR in Cleburne County with a population of about 821.

At a glance, the area shows median age of 61.4 versus a U.S. median of about 38.9.

It sits in telephone area code 501; U.S. House district AR-2; the LITTLE ROCK - PINE BLUFF media market.

Tumbling Shoals, AR fits a retirement-oriented profile (high share of residents 65+ (44.3%)). 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 72581 is about $40,000 — about 47% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.5%; unemployment rate near 2.6%; 15.6% of adults with a bachelor’s degree or higher (about 18.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Food services, Retail trade, and Construction; a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $118,900 — about 66% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 92.7% (about 27.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 72581 in Tumbling Shoals, AR, a household would need roughly $33,000 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 $764. That sits below the local median household income ($40,000), 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 Tumbling Shoals CDP, AR as Relatively Low (composite score 72.7), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (75.8) and flood (73.3). 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 Tumbling Shoals CDP, AR show little to no average snow and around 53.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 29 for ZIP 72581 (Tumbling Shoals CDP, 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.