10Y4.88%+2bp vs prior day2026-11-092Y4.56%+5bp vs prior day2026-11-0930Y MTG7.18%−6bp vs last week2026-11-05SOFR3.88%−1bp vs prior day2026-11-09FED FUNDS3.88%+13bp vs last month2026-10CPI4.1% y/y2026-10US UNEMP4.10%−10bp vs last month2026-10NWA UNEMP3.10%0bp vs last month2026-09NWA EMPLOYED319,315+1,325 vs last month2026-09FRED · Freddie Mac · BLS · data 2026-11-10
Conditions vs 5-yr norm
  • Building permitsCooling

    8,823 · 2026-08

    down 1.0% from a year earlier vs a five-year average of +11.6%.

    New housing units permitted, Benton + Washington, 12-month total. U.S. Census Bureau BPS.

  • People workingCooling

    309,511 · 2026-08

    up 3.0% from a year earlier vs a five-year average of +3.8%.

    Residents with a job, Benton + Washington (BLS LAUS). BLS Local Area Unemployment Statistics.

  • Unemployment rateHeating

    2.91% · 2026-08

    down 0.70 pts from a year earlier vs a five-year average of -0.11 pts. A fall here counts as more activity.

    Unemployed share of the labor force, Benton + Washington. BLS Local Area Unemployment Statistics.

  • HiringSteady

    41,349 · 2025-Q4

    down 1.3% from a year earlier vs a five-year average of +3.7%.

    Private-sector hires, Benton + Washington (Census QWI). Census LEHD Quarterly Workforce Indicators.

  • Home pricesCooling

    395.3 (index) · 2026-Q2

    up 3.7% from a year earlier vs a five-year average of +11.8%.

    FHFA all-transactions house price index, Fayetteville-Springdale-Rogers metro. FHFA HPI.

  • City sales taxCooling

    $266.1M · 2026-09

    up 1.7% from a year earlier vs a five-year average of +2.8%.

    City sales tax collections, six largest cities, 12-month total (DFA). Arkansas DFA local distribution by NAICS.

    History starts March 2022, so the comparison window is shorter than five years.

  • Hotels & restaurantsCooling

    $5.5M · 2026-08

    up 1.9% from a year earlier vs a five-year average of +8.6%.

    Fayetteville hotel, motel and restaurant tax, 12-month total. Fayetteville A&P Commission (Experience Fayetteville).

    Bentonville's A&P tax has only 19 months on file, too short for this rule; it is shown on the chart instead.

  • Air travelSteady

    2.5M · 2025

    up 10.3% from the year before vs a five-year average of +11.9%.

    XNA passengers per year. Northwest Arkansas National Airport (XNA).

  • Mortgage ratesSteady

    7.40% · 2026-10-15

    up 1.13 pts from 52 weeks earlier vs a five-year average of +0.70 pts. A fall here counts as more activity.

    Freddie Mac 30-year fixed average (national). Freddie Mac Primary Mortgage Market Survey®.

  • Jobless claimsSteady

    1,122 · 2026-10-10

    down 8.9% from 52 weeks earlier vs a five-year average of -7.8%. A fall here counts as more activity.

    Arkansas initial unemployment claims, 4-week average (statewide; no county weekly data exists). U.S. Department of Labor, ETA 539.

  • New businessesSteady

    8,321 · 2025

    up 6.9% from the year before vs a five-year average of +9.3%.

    Business applications filed, Benton + Washington (Census Business Formation Statistics). Census BFS.

How we label

Northwest Arkansas · every public record, one place

Northwest Arkansas,
measured weekly.

Home values, businesses, permits, traffic, lending, sales tax and rates for every city and ZIP code in Benton and Washington counties: pulled from the source, charted and dated. Free.

The 479 by email · free

New data, permits and hearings across Benton and Washington counties, in one short email. Join now and you'll get the first briefing.

4.88%
▲ 2bp vs prior day
U.S. Treasury via FRED · 2026-11-09
7.18%
▼ 6bp vs last week
Freddie Mac PMMS · 2026-11-05
5,657
▼ 7.7% vs prior 12
Census BPS · latest month 236 · 2026-09
$266.0M
▲ 1.1% vs prior 12
Arkansas DFA local distributions · 2026-08

Lending · data through 2025

Home-loan originations rose in both counties in 2025: Benton 12.0%, Washington 9.0%

What happened
Lenders made 10,608 loans in Benton County and 6,230 in Washington County in 2025 (2024: 9,475 and 5,718).
Why it matters
Loan counts are a cleaner read on home buying and refinancing than dollar totals, which a few very large loans can distort (see the corrections log).
What to watch
2026 HMDA data is released next summer.
Mortgage loans originated: Benton County (HMDA) vs Mortgage loans originated: Washington County (HMDA)
Source: CFPB / FFIEC HMDA. As of 2025. Chart: The 479 Report.
Data through 2025 · Free to reuse with the credit line. · Corrections

Source: CFPB / FFIEC HMDA · See corrections

Sixteen years of the 479's registers


DFA local net tax distributions · monthly · 2010 → 2026-08
Local sales-tax distributions by Core city
What the state sends each city from local sales & use tax, the cleanest public read on retail activity. Opens as a 12-month total so seasons and lumpy checks don't hide the trend.
Source: Arkansas Department of Finance and Administration, Local Net Tax Distribution Reports (public). Month = DFA report month (about two months after the sales). Compiled by The 479 Report; no interpolation.
Data through 2026-08 · Free to reuse with the credit line. · Corrections

Whose registers are growing


all 31 cities →
Fastest, trailing 12 months
RankCity12-month change
#1Gravette+33.8%
#2Greenland+32.5%
#3Springtown+23.6%
Slowest, trailing 12 months
RankCity12-month change
#31Gentry-9.4%
#30Avoca-4.1%
#29Springdale-2.9%

Local sales-tax distributions, twelve months to 2026-08 vs the twelve before. Arkansas DFA. A new local tax or rate change moves a city on its own.

New in the data


every update →
The 479, city by city
Shaded by 2010→2020 census growth. Click a labeled city for its page.
Population growth 2010→2020shrank0–15%15–30%30–60%60%+
City limits: NWARPC public GIS. Populations: 2020 and 2010 Census counts (U.S. Census Bureau).

This month, by city


homes authorized 2026-09 · local tax 2026-08
CityHomes authorizedof which multifamilyDeclared valueLocal sales taxy/yShare of Core-6 tax
Fayetteville8141$19.92M$6.15M+0.8%
Springdale50$1.67M$4.48M-6.2%
Rogers406$8.59M$5.78M+6.6%
Bentonville256$8.63M$4.50M-5.2%
Siloam Springs172$3.89M$1.10M-7.8%
Bella Vista680$26.67M$930,938+15.4%

Homes authorized: U.S. Census Building Permits Survey (residential units, place-level, monthly). Local sales tax: Arkansas DFA local net distributions. Both public record; every row traceable in the data pages.

What's moving


69 cards →

City agendas last updated Oct 25 (16 days ago). Newer hearings will appear when the next batch is in.

Siloam Springs · hearing Oct 13

Siloam Springs — Hwy 412 E rezone A-1 to C-2 Roadway Commercial

RZ26-09 (owner (name withheld); agent Boen-Kemp Construction) on the Oct 13 PC agenda: rezone in the 3900 block of E Hwy 412 from A-1 Agriculture to C-2 Roadway Commercial; staff report states 0.53 acres; to Board of Dir…

Siloam Springs PC packet Oct 13 2026 · as of 2026-10-09

Siloam Springs · hearing Oct 13

Siloam Springs — 10,398 sq ft gym at Camp Siloam, 3600 S Lincoln St

SD26-04 Significant Development Permit (owner Arkansas Baptist Assembly; Minton Engineering) on the Oct 13 PC agenda: 10,398 sq. ft. gymnasium facility for recreation use at Camp Siloam.

Siloam Springs PC packet Oct 13 2026 · as of 2026-10-09

On the docket


calendar →
DateCityMeetingAgenda
Nov 10
4:30 PM
FayettevilleTentative: City Council Agenda Sessionposted
Nov 10
5:30 PM
FayettevilleTentative: Water, Sewer & Solid Waste Committee (Immediately Following City Council Agenda Session)not yet
Nov 10
6:00 PM
BentonvilleCombined Committee of the Whole and City Council Meetingposted
Nov 10
6:30 PM
RogersCity Council Meetingnot yet
Nov 16
6:00 PM
Bella VistaCity Council Work Sessionposted
Nov 17
4:30 PM
BentonvillePlanning Commission Meetingposted

City meeting calendars, checked Oct 30. Past agendas and every item: hearings.

Bentonville permits issued · 2026-09
114
$26.50M declared · largest $7.53M
City of Bentonville monthly Permits Issued (printed valuations). Other Core cities: coverage status.

The national backdrop


all series + charts →
2-year Treasury
4.56%
▲ 5bp vs prior day
U.S. Treasury via FRED · 2026-11-09
SOFR
3.88%
▼ 1bp vs prior day
New York Fed (via FRED) · 2026-11-09
CRE loan delinquency
1.53%
FRED, all commercial banks · 2026-Q2
NWA unemployment (SA)
3.10%
BLS via FRED, MSA · 2026-09

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