Financial Literacy in Texarkana, AR
About 28,897 people live in Texarkana, Arkansas, making it among the larger communities in Arkansas, ranking 18th of 500 by population. The population has declined 1.6% since 2020, from 29,380 to 28,897. The median age is 38.4.
16.7% of Texarkana residents 25 and older have completed a bachelor's degree or more. That runs 2.6 points above the Arkansas average of 14.1%. Put the other way round: of the 20,022 adults 25 and over counted in the 2019–2023 ACS, roughly 16,678 — 83.3% — are building their financial lives without a four-year degree behind them.
The typical household here earns $47,930 a year. Roughly 22% of residents live below the poverty line, which puts real weight on decisions about credit, rent and emergency savings. The median home is valued at $162,700 — about 3.4× the median household income, a ratio that makes the arithmetic of a mortgage worth understanding before signing one.
Texarkana by the numbers
| Measure | Value |
|---|---|
| Population (2024) | 28,897 |
| Change since 2020 | -1.6% |
| Median household income | $47,930 |
| Adults 25+ with a bachelor’s degree | 16.7% |
| Adults 25+ with a high school diploma | 87.9% |
| Median age | 38.4 |
| Poverty rate | 22% |
| Unemployment rate | 7.5% |
| Median home value | $162,700 |
| Land area | 42.001 sq mi |
| Population density | 688 / sq mi |
What Arkansas teaches — and to whom
Arkansas requires personal finance instruction, but folds it into another course rather than a class of its own — so how much a student actually gets depends heavily on the district and the teacher. Coverage like that varies enormously between districts, and it reaches no one who has already graduated.
LearnLife organises this the way the decisions actually arrive: Money — budgeting, credit, debt and taxes — the mechanics nobody is formally taught; Legal literacy — leases, contracts, employment rights and what a signature actually commits you to; Emotional regulation — the self-management that decides whether the other skills ever get used.
Where to start in Texarkana
Build a buffer before anything else
With 22% of Texarkana living below the poverty line, the single highest-return skill here is cash-flow control: knowing what actually lands each month, what leaves automatically, and how to build even a small buffer between the two. A few hundred dollars of slack is the difference between a car repair being an inconvenience and it being a payday loan.
Treat income stability as a skill
Unemployment in Texarkana sits at 7.5%. Where work is less certain, the practical skills are the defensive ones: what unemployment insurance actually pays and how fast, how to read a severance agreement, and which bills to triage first when income stops.
Questions people ask about Texarkana
Do high school students in Texarkana, Arkansas have to take a personal finance class?
Arkansas requires personal finance content, but delivers it inside another course rather than a dedicated class, so the depth varies by district and teacher.
How many adults in Texarkana, Arkansas have a college degree?
16.7% of adults 25 and older hold a bachelor's degree or higher, based on the Census Bureau's 2019–2023 American Community Survey. The remaining 83.3% are managing their finances without one.
What is the median household income in Texarkana, Arkansas?
$47,930, per the Census Bureau's 2019–2023 American Community Survey.
Where can adults in Texarkana, Arkansas learn personal finance?
Graduation requirements only ever reach people still in school. For adults, LearnLife covers the same ground on demand — money, legal literacy and the self-management that decides whether either gets used.
Start with whichever one is costing you money right now.
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