What pays more on your base acres for a typical farm here, crop by crop. 2026 signup ends Dec 11.
Is your farm’s PLC yield lower, about the same, or higher than most farms here?
Your PLC yield is on your farm’s FSA-156EZ. Not sure? Leave it on About the same.
Your main crops
Clear pickLeansCloseNo answer yet
Soybeans · non-irrigated
Neither expected to payClose
Neither one is likely to pay on soybeans for 2026 at USDA’s price outlook ($12.00).
PLC only pays if soybeans average under $10.71 a bushel for 2026.
Irrigated ground: neither pays. Figured with the county’s all-practice PLC yield; an irrigated farm’s own is often higher.
2027: close, either one
Neither expected to payClose
Neither one is likely to pay on soybeans for 2026 at USDA’s price outlook ($12.00).
PLC only pays if soybeans average under $10.71 a bushel for 2026.
Irrigated ground: neither pays. Figured with the county’s all-practice PLC yield; an irrigated farm’s own is often higher.
2027: close, either one
Neither expected to payClose
Neither one is likely to pay on soybeans for 2026 at USDA’s price outlook ($12.00).
PLC only pays if soybeans average under $10.71 a bushel for 2026.
Irrigated ground: neither pays. Figured with the county’s all-practice PLC yield; an irrigated farm’s own is often higher.
2027: close, either one
Corn · non-irrigated
ARC-COLeans
ARC-CO comes out about $4 more per base acre, but that swings from year to year. PLC did not come out ahead in any of the 11 price years we ran.
PLC only pays if corn averages under $4.42 a bushel for 2026.
Irrigated ground: leans ARC-CO. Figured with the county’s all-practice PLC yield; an irrigated farm’s own is often higher.
2027: close, either one
ARC-COLeans
ARC-CO comes out about $4 more per base acre, but that swings from year to year. PLC did not come out ahead in any of the 11 price years we ran.
PLC only pays if corn averages under $4.42 a bushel for 2026.
Irrigated ground: leans ARC-CO. Figured with the county’s all-practice PLC yield; an irrigated farm’s own is often higher.
2027: close, either one
ARC-COLeans
ARC-CO comes out about $4 more per base acre, but that swings from year to year. PLC did not come out ahead in any of the 11 price years we ran.
PLC only pays if corn averages under $4.42 a bushel for 2026.
Irrigated ground: leans ARC-CO. Figured with the county’s all-practice PLC yield; an irrigated farm’s own is often higher.
2027: close, either one
Wheat
ARC-COLeans
ARC-CO comes out about $2 more per base acre, but that swings from year to year. PLC did not come out ahead in any of the 11 price years we ran. Wheat borrows corn’s price swings, so it stops at Leans.
PLC only pays if wheat averages under $6.35 a bushel for 2026.
2027: no 2027 price yet
Either oneClose
They come out less than $1 apart per base acre.
PLC only pays if wheat averages under $6.35 a bushel for 2026.
2027: no 2027 price yet
Either oneClose
They come out less than $1 apart per base acre.
PLC only pays if wheat averages under $6.35 a bushel for 2026.
2027: no 2027 price yet
Smaller crops here
Each has under 4,600 enrolled base acres in the whole county (FSA, program year 2025).
Barley
ARC-COLeans
ARC-CO comes out about $12 more per base acre, but that swings from year to year. PLC did not come out ahead in any of the 11 price years we ran. Barley borrows corn’s price swings, so it stops at Leans.
PLC only pays if barley averages under $5.58 a bushel for 2026.
2027: no 2027 price yet
ARC-COLeans
ARC-CO comes out about $11 more per base acre, but that swings from year to year. PLC did not come out ahead in any of the 11 price years we ran. Barley borrows corn’s price swings, so it stops at Leans.
PLC only pays if barley averages under $5.58 a bushel for 2026.
2027: no 2027 price yet
ARC-COLeans
ARC-CO comes out about $10 more per base acre, but that swings from year to year. PLC did not come out ahead in any of the 11 price years we ran. Barley borrows corn’s price swings, so it stops at Leans.
PLC only pays if barley averages under $5.58 a bushel for 2026.
2027: no 2027 price yet
Sunflower seed
Either oneClose
They come out about $2 apart per base acre. Too small to matter.
PLC only pays if sunflower seed averages under 23.75 cents a pound for 2026.
2027: waiting on USDA’s closing 2025 price
Either oneClose
PLC comes out about $2 more per base acre, but it swings more than that from year to year.
PLC only pays if sunflower seed averages under 23.75 cents a pound for 2026.
2027: waiting on USDA’s closing 2025 price
Either oneClose
PLC comes out about $3 more per base acre, but it swings more than that from year to year.
PLC only pays if sunflower seed averages under 23.75 cents a pound for 2026.
2027: waiting on USDA’s closing 2025 price
Oats
ARC-COLeans
ARC-CO comes out about $14 more per base acre, but that swings from year to year. PLC did not come out ahead in any of the 11 price years we ran. Oats borrow corn’s price swings, so they stop at Leans.
PLC only pays if oats average under $3.05 a bushel for 2026.
2027: no 2027 price yet
ARC-COLeans
ARC-CO comes out about $14 more per base acre, but that swings from year to year. PLC did not come out ahead in any of the 11 price years we ran. Oats borrow corn’s price swings, so they stop at Leans.
PLC only pays if oats average under $3.05 a bushel for 2026.
2027: no 2027 price yet
Ask FSANo answer yet
A PLC yield that high is above the county benchmark yield, so this page cannot figure it. Ask your FSA office.
2027: ask your FSA office
Dry peas
ARC-COLeans
ARC-CO comes out about $10 more per base acre, but that swings from year to year. PLC did not come out ahead in any of the 11 price years we ran. Dry peas borrow corn’s price swings, so they stop at Leans.
PLC only pays if dry peas average under 13.14 cents a pound for 2026.
2027: no 2027 price yet
ARC-COLeans
ARC-CO comes out about $7 more per base acre, but that swings from year to year. Dry peas borrow corn’s price swings, so they stop at Leans.
PLC only pays if dry peas average under 13.14 cents a pound for 2026.
2027: no 2027 price yet
ARC-COLeans
ARC-CO comes out about $3 more per base acre, but that swings from year to year. Dry peas borrow corn’s price swings, so they stop at Leans.
PLC only pays if dry peas average under 13.14 cents a pound for 2026.
2027: no 2027 price yet
Flaxseed
ARC-COLeans
ARC-CO comes out about $5 more per base acre, but that swings from year to year. PLC did not come out ahead in any of the 11 price years we ran. Flaxseed borrows corn’s price swings, so it stops at Leans.
PLC only pays if flaxseed averages under $13.30 a bushel for 2026.
2027: no 2027 price yet
ARC-COLeans
ARC-CO comes out about $4 more per base acre, but that swings from year to year. PLC did not come out ahead in any of the 11 price years we ran. Flaxseed borrows corn’s price swings, so it stops at Leans.
PLC only pays if flaxseed averages under $13.30 a bushel for 2026.
2027: no 2027 price yet
ARC-COLeans
ARC-CO comes out about $3 more per base acre, but that swings from year to year. PLC did not come out ahead in any of the 11 price years we ran. Flaxseed borrows corn’s price swings, so it stops at Leans.
PLC only pays if flaxseed averages under $13.30 a bushel for 2026.
2027: no 2027 price yet
Canola
Either oneClose
They come out less than $1 apart per base acre.
PLC only pays if canola averages under 23.75 cents a pound for 2026.
2027: no 2027 price yet
Either oneClose
They come out less than $1 apart per base acre.
PLC only pays if canola averages under 23.75 cents a pound for 2026.
2027: no 2027 price yet
Either oneClose
They come out less than $1 apart per base acre.
PLC only pays if canola averages under 23.75 cents a pound for 2026.
2027: no 2027 price yet
Sorghum
ARC-COLeans
ARC-CO comes out about $16 more per base acre, but that swings from year to year. PLC did not come out ahead in any of the 11 price years we ran. Sorghum borrows corn’s price swings, so it stops at Leans.
PLC only pays if sorghum averages under $4.67 a bushel for 2026.
2027: waiting on USDA’s closing 2025 price
ARC-COLeans
ARC-CO comes out about $15 more per base acre, but that swings from year to year. PLC did not come out ahead in any of the 11 price years we ran. Sorghum borrows corn’s price swings, so it stops at Leans.
PLC only pays if sorghum averages under $4.67 a bushel for 2026.
2027: waiting on USDA’s closing 2025 price
ARC-COLeans
ARC-CO comes out about $14 more per base acre, but that swings from year to year. PLC did not come out ahead in any of the 11 price years we ran. Sorghum borrows corn’s price swings, so it stops at Leans.
PLC only pays if sorghum averages under $4.67 a bushel for 2026.
2027: waiting on USDA’s closing 2025 price
Deadlines
Dec 112026 signup ends Dec 11, 2026.
Nov 2 to Mar 152027 signup runs Nov 2, 2026 to Mar 15, 2027.
Skip itDo nothing for 2026 and that farm gets no 2026 payment.
SignEvery owner and operator on the farm signs.
BringBring the farm’s FSA-156EZ. It lists the base acres and PLC yields.
2026. The 2026 crop is mostly harvested, so each scenario uses a normal Clay County crop (FSA’s 2026 benchmark yield) and only the price moves.
Prices start from USDA’s projected 2026/27 season-average prices (USDA WASDE, Oct 9, 2026: soybeans $12.00, corn $4.70, wheat $6.30, barley $5.70, oats $3.35, sorghum $4.50; FSA table of Sep 11, 2026: sunflower seed $0.2470, dry peas $0.1120, flaxseed $13.00, canola $0.2450). Around that price we ran each past year with a final USDA price: how far that year’s final season-average
price ended from October futures, for corn and soybeans. Wheat, barley, sunflower seed, oats, dry peas, flaxseed, canola, sorghum have no October futures history of their own, so they borrow corn’s October swings (wheat its own price changes, scaled to corn’s size) and stop at Leans.
Two price starts. Corn: USDA $4.70; futures-based $4.97 (Dec '26 October average so far, $5.01 over 5 of 22 trading days, × 0.991, the 2015 to 2025 average of final price / October futures). Here, the typical farm’s answer at that start: neither expected to pay, against leans ARC-CO at USDA’s start. Soybeans: USDA $12.00; futures-based $12.84 (Nov '26 October average so far, $12.89 over 5 of 22 trading days, × 0.996, the 2015 to 2025 average of final price / October futures). Here, the typical farm’s answer at that start: neither expected to pay (the same). Where the two disagree on which program leads, or on a clear pick, a clear pick drops to Leans.
2027. Corn and soybeans start from futures: corn $4.91 (Dec 2027 corn futures $5.12 (Oct 9, 2026) × 0.959, the 2011 to 2025 average of final MYA / February futures); soybeans $12.17 (Nov 2027 soybean futures $12.45 (Oct 9, 2026) × 0.978, the 2011 to 2025 average of final MYA / February futures). Each scenario year also moves the county yield the way it moved that year. Wheat, barley, oats, dry peas, flaxseed, canola: no 2027 price outlook we can check against past years, so no 2027 answer. Sunflower seed, sorghum wait on USDA’s closing 2025 price, which sets the 2027 reference price.
Typical farm. FSA’s county average PLC yield (soybeans 33.4 bu; corn 127.7 bu; wheat 51.4 bu; barley 56.1 bu; sunflower seed 1,639.7 lb; oats 65.1 bu; dry peas 1,451.0 lb; flaxseed 12.0 bu; canola 771.0 lb; sorghum 39.0 bu) and FSA’s official benchmark. “Lower” and “Higher” mean 15% under or over the
county average. Payments are per base acre and count FSA’s 85% payment acres, before sequestration and payment limits.
How we call it.Clear pick when one program averages at least $2.00 more per base acre, the gap is more than t times its standard error
(2.26 for 10 years, 2.23 for 11), and it paid more in at least 3 of the years. Leans when the gap is at least $3.00 and one standard error, and it paid more in
at least 3 years. Close otherwise. When both round to $0: neither expected to pay.
Average payment per base acre over the scenario years, typical farm (about the same PLC yield).
Crop
Practice
Year
PLC
ARC-CO
Answer
Soybeans
Non-irrigated
2026
$0
$0
Neither pays
Soybeans
Non-irrigated
2027
$2.70
$4.07
Either one
Soybeans
Irrigated
2026
$0
$0
Neither pays
Soybeans
Irrigated
2027
$2.70
$13.22
ARC-CO
Corn
Non-irrigated
2026
$0.91
$5.23
Leans ARC-CO
Corn
Non-irrigated
2027
$9.92
$10.76
Either one
Corn
Irrigated
2026
$0.91
$5.61
Leans ARC-CO
Corn
Irrigated
2027
$9.92
$23.66
Leans ARC-CO
Wheat
All practices
2026
$9.47
$10.12
Either one
Wheat
All practices
2027
none
none
No 2027 price yet
Barley
All practices
2026
$3.90
$14.90
Leans ARC-CO
Barley
All practices
2027
none
none
No 2027 price yet
Sunflower seed
All practices
2026
$2.27
$0
Either one
Sunflower seed
All practices
2027
none
none
Wait for USDA
Oats
All practices
2026
$0
$14.23
Leans ARC-CO
Oats
All practices
2027
none
none
No 2027 price yet
Dry peas
All practices
2026
$23.93
$30.54
Leans ARC-CO
Dry peas
All practices
2027
none
none
No 2027 price yet
Flaxseed
All practices
2026
$5.85
$9.51
Leans ARC-CO
Flaxseed
All practices
2027
none
none
No 2027 price yet
Canola
All practices
2026
$1.52
$1.65
Either one
Canola
All practices
2027
none
none
No 2027 price yet
Sorghum
All practices
2026
$8.30
$23.50
Leans ARC-CO
Sorghum
All practices
2027
none
none
Wait for USDA
Sources. FSA 2026 ARC-CO benchmark yields (county file of Jan 16, 2026); FSA county average PLC yields, program year 2025; FSA price tables of Sep 11, 2026; USDA WASDE, Oct 9, 2026; CME futures: Dec 2026 corn and Nov 2026 soybean October average through Oct 8, 2026; Dec 2027 corn and Nov 2027 soybean close of Oct 9, 2026; USDA NASS season-average prices for closed marketing years; FSA ARC-CO county files, program years 2021, 2022, 2023, 2024, 2025, 2026 (county yields and payments). Full method and back-test.
Soybeans 2026 in Clay County: Neither expected to pay
Non-irrigated, 2026: Neither expected to pay (expected $0 PLC vs $0 ARC-CO per base acre; PLC paid more in 0 of 11 past-year scenarios, ARC-CO in 0).
PLC pays on any season-average price below $10.71, up to $110.44 per base acre at the $6.82 loan rate, so it protects against a deep price drop. ARC-CO is capped at $49.72 per base acre but also pays when the county’s yield is short; it paid something in 0 of the 11 past-year scenarios. With prices centered at $12.00, PLC is expected to pay $0 and ARC-CO $0 per base acre.
2027: Close, either one: about $1.37 apart, too small or too uncertain to call (expected $2.70 PLC vs $4.07 ARC-CO per base acre; PLC paid more in 0 of 11 past-year scenarios, ARC-CO in 2). The 2027 view uses FSA’s 2026 benchmark; FSA posts 2027 later.
For a typical farm: FSA’s county average PLC yield 33.4 bu (program year 2025) and the official 40.05 bu benchmark. County yields from this county’s own FSA yields. Run your own numbers in the calculator below.
Irrigated, 2026: Neither expected to pay (expected $0 PLC vs $0 ARC-CO per base acre; PLC paid more in 0 of 11 past-year scenarios, ARC-CO in 0).
PLC pays on any season-average price below $10.71, up to $110.44 per base acre at the $6.82 loan rate, so it protects against a deep price drop. ARC-CO is capped at $58.42 per base acre but also pays when the county’s yield is short; it paid something in 0 of the 11 past-year scenarios. With prices centered at $12.00, PLC is expected to pay $0 and ARC-CO $0 per base acre.
2027: Pick ARC-CO (expected $2.70 PLC vs $13.22 ARC-CO per base acre; PLC paid more in 0 of 11 past-year scenarios, ARC-CO in 4). The 2027 view uses FSA’s 2026 benchmark; FSA posts 2027 later.
For a typical farm: FSA’s county average PLC yield 33.4 bu (program year 2025) and the official 47.06 bu benchmark. That PLC yield is FSA’s average over all practices, irrigated and not; an irrigated farm’s own is often higher. County yields from this county’s own FSA yields. Run your own numbers in the calculator below.
Average PLC yield on enrolled soybeans base in this county: 33.4 bu (FSA, program year 2025). Your farm’s own is on the FSA-156EZ.
Irrigated: official 2026 ARC-CO benchmark
Benchmark yield (FSA)47.06 bu
Benchmark price 2026$12.17
Benchmark revenue$572.72/ac
Guarantee (90%)$515.45/ac
Max payment (12%)$68.73/ac
Max per base acre (×85%)$58.42
FSA trend-adjusted county yields (county yield or 80% of T-yield): 2020: 47.74 · 2021: 39.72 (dropped) · 2022: 57.76 (dropped) · 2023: 44.78 · 2024: 48.67 (struck: high and low). Middle three average: 47.06 bu.
At a season-average price equal to the 2026 effective reference price ($10.71/bu), PLC pays nothing and ARC-CO pays when the
county yield comes in below 48.1 bu, reaching its cap below 41.7 bu.
PLC vs ARC-CO break-even at a 47.06 bu county yield, 2026 prices
PLC yield, % of your official benchmark
Which pays more, by season-average price
60% 28.2 bu
PLC pays more at $8.27 or lower. ARC-CO pays more from $8.28 to $10.95. Neither pays at $10.96 or higher.
70% 32.9 bu
PLC pays more at $8.62 or lower. ARC-CO pays more from $8.63 to $10.95. Neither pays at $10.96 or higher.
80% 37.6 bu
PLC pays more at $8.88 or lower. ARC-CO pays more from $8.89 to $10.95. Neither pays at $10.96 or higher.
90% 42.4 bu
PLC pays more at $9.08 or lower. ARC-CO pays more from $9.09 to $10.95. Neither pays at $10.96 or higher.
100% 47.1 bu
PLC pays more at $9.25 or lower. ARC-CO pays more from $9.26 to $10.95. Neither pays at $10.96 or higher.
FSA history, irrigated
Year
Benchmark
Price
County yield
ARC-CO $/ac
2021
45.27
$8.95
37.27
none
2022
46.72
$9.12
55.80
none
2023
45.58
$9.57
43.31
none
2024
47.05
$11.12
47.69
none
2025
47.53
$12.17
53.21
none
Program year; benchmark yield in bu/acre; benchmark price $/bu; actual county yield; ARC-CO payment rate per acre before the 85% factor. All from FSA’s files. Older program years use older windows and prices, so they are history, not this year’s benchmark.
Non-irrigated: official 2026 ARC-CO benchmark
Benchmark yield (FSA)40.05 bu
Benchmark price 2026$12.17
Benchmark revenue$487.41/ac
Guarantee (90%)$438.67/ac
Max payment (12%)$58.49/ac
Max per base acre (×85%)$49.72
FSA trend-adjusted county yields (county yield or 80% of T-yield): 2020: 38.03 (dropped) · 2021: 38.35 · 2022: 47.56 (dropped) · 2023: 40.53 · 2024: 41.28 (struck: high and low). Middle three average: 40.05 bu.
At a season-average price equal to the 2026 effective reference price ($10.71/bu), PLC pays nothing and ARC-CO pays when the
county yield comes in below 41.0 bu, reaching its cap below 35.5 bu.
PLC vs ARC-CO break-even at a 40.05 bu county yield, 2026 prices
PLC yield, % of your official benchmark
Which pays more, by season-average price
60% 24.0 bu
PLC pays more at $8.27 or lower. ARC-CO pays more from $8.28 to $10.95. Neither pays at $10.96 or higher.
70% 28.0 bu
PLC pays more at $8.62 or lower. ARC-CO pays more from $8.63 to $10.95. Neither pays at $10.96 or higher.
80% 32.0 bu
PLC pays more at $8.88 or lower. ARC-CO pays more from $8.89 to $10.95. Neither pays at $10.96 or higher.
90% 36.0 bu
PLC pays more at $9.08 or lower. ARC-CO pays more from $9.09 to $10.95. Neither pays at $10.96 or higher.
100% 40.1 bu
PLC pays more at $9.25 or lower. ARC-CO pays more from $9.26 to $10.95. Neither pays at $10.96 or higher.
FSA history, non-irrigated
Year
Benchmark
Price
County yield
ARC-CO $/ac
2021
43.10
$8.95
35.90
none
2022
40.70
$9.12
45.60
none
2023
38.24
$9.57
39.06
none
2024
40.04
$11.12
40.30
none
2025
38.48
$12.17
41.22
none
Program year; benchmark yield in bu/acre; benchmark price $/bu; actual county yield; ARC-CO payment rate per acre before the 85% factor. All from FSA’s files. Older program years use older windows and prices, so they are history, not this year’s benchmark.
Corn 2026 in Clay County: Leans ARC-CO
Non-irrigated, 2026: Leans ARC-CO: expected about $4.32 more per base acre; PLC did not pay more in any of the 11 years, but the gap is within the normal swing (expected $0.91 PLC vs $5.23 ARC-CO per base acre; PLC paid more in 0 of 11 past-year scenarios, ARC-CO in 4).
PLC pays on any season-average price below $4.42, up to $217.09 per base acre at the $2.42 loan rate, so it protects against a deep price drop. ARC-CO is capped at $93.26 per base acre but also pays when the county’s yield is short; it paid something in 4 of the 11 past-year scenarios. With prices centered at $4.70, PLC is expected to pay $0.91 and ARC-CO $5.23 per base acre.
2027: Close, either one: about $0.84 apart, too small or too uncertain to call (expected $9.92 PLC vs $10.76 ARC-CO per base acre; PLC paid more in 1 of 11 past-year scenarios, ARC-CO in 1). The 2027 view uses FSA’s 2026 benchmark; FSA posts 2027 later.
For a typical farm: FSA’s county average PLC yield 127.7 bu (program year 2025) and the official 181.78 bu benchmark. County yields from this county’s own FSA yields. Run your own numbers in the calculator below.
Irrigated, 2026: Leans ARC-CO: expected about $4.70 more per base acre; PLC did not pay more in any of the 11 years, but the gap is within the normal swing (expected $0.91 PLC vs $5.61 ARC-CO per base acre; PLC paid more in 0 of 11 past-year scenarios, ARC-CO in 4).
PLC pays on any season-average price below $4.42, up to $217.09 per base acre at the $2.42 loan rate, so it protects against a deep price drop. ARC-CO is capped at $100.14 per base acre but also pays when the county’s yield is short; it paid something in 4 of the 11 past-year scenarios. With prices centered at $4.70, PLC is expected to pay $0.91 and ARC-CO $5.61 per base acre.
2027: Leans ARC-CO: expected about $13.75 more per base acre; but the gap is within the normal swing, so PLC is a defensible choice (expected $9.92 PLC vs $23.66 ARC-CO per base acre; PLC paid more in 1 of 11 past-year scenarios, ARC-CO in 3). The 2027 view uses FSA’s 2026 benchmark; FSA posts 2027 later.
For a typical farm: FSA’s county average PLC yield 127.7 bu (program year 2025) and the official 195.18 bu benchmark. That PLC yield is FSA’s average over all practices, irrigated and not; an irrigated farm’s own is often higher. County yields from this county’s own FSA yields. Run your own numbers in the calculator below.
Average PLC yield on enrolled corn base in this county: 127.7 bu (FSA, program year 2025). Your farm’s own is on the FSA-156EZ.
Irrigated: official 2026 ARC-CO benchmark
Benchmark yield (FSA)195.18 bu
Benchmark price 2026$5.03
Benchmark revenue$981.76/ac
Guarantee (90%)$883.58/ac
Max payment (12%)$117.81/ac
Max per base acre (×85%)$100.14
FSA trend-adjusted county yields (county yield or 80% of T-yield): 2020: 193.13 · 2021: 196.46 · 2022: 199.01 (dropped) · 2023: 195.94 · 2024: 183.29 (dropped) (struck: high and low). Middle three average: 195.18 bu.
At a season-average price equal to the 2026 effective reference price ($4.42/bu), PLC pays nothing and ARC-CO pays when the
county yield comes in below 199.9 bu, reaching its cap below 173.3 bu.
PLC vs ARC-CO break-even at a 195.18 bu county yield, 2026 prices
PLC yield, % of your official benchmark
Which pays more, by season-average price
60% 117.1 bu
PLC pays more at $3.41 or lower. ARC-CO pays more from $3.42 to $4.52. Neither pays at $4.53 or higher.
70% 136.6 bu
PLC pays more at $3.55 or lower. ARC-CO pays more from $3.56 to $4.52. Neither pays at $4.53 or higher.
80% 156.1 bu
PLC pays more at $3.66 or lower. ARC-CO pays more from $3.67 to $4.52. Neither pays at $4.53 or higher.
90% 175.7 bu
PLC pays more at $3.74 or lower. ARC-CO pays more from $3.75 to $4.52. Neither pays at $4.53 or higher.
100% 195.2 bu
PLC pays more at $3.81 or lower. ARC-CO pays more from $3.82 to $4.52. Neither pays at $4.53 or higher.
FSA history, irrigated
Year
Benchmark
Price
County yield
ARC-CO $/ac
2021
179.71
$3.70
181.56
none
2022
186.23
$3.70
187.09
none
2023
184.97
$3.98
187.00
none
2024
190.09
$4.85
177.33
$40.99
2025
191.87
$5.03
186.79
$91.55
Program year; benchmark yield in bu/acre; benchmark price $/bu; actual county yield; ARC-CO payment rate per acre before the 85% factor. All from FSA’s files. Older program years use older windows and prices, so they are history, not this year’s benchmark.
Non-irrigated: official 2026 ARC-CO benchmark
Benchmark yield (FSA)181.78 bu
Benchmark price 2026$5.03
Benchmark revenue$914.35/ac
Guarantee (90%)$822.92/ac
Max payment (12%)$109.72/ac
Max per base acre (×85%)$93.26
FSA trend-adjusted county yields (county yield or 80% of T-yield): 2020: 190.14 · 2021: 162.43 (dropped) · 2022: 196.66 (dropped) · 2023: 173.4 · 2024: 181.79 (struck: high and low). Middle three average: 181.78 bu.
At a season-average price equal to the 2026 effective reference price ($4.42/bu), PLC pays nothing and ARC-CO pays when the
county yield comes in below 186.2 bu, reaching its cap below 161.4 bu.
PLC vs ARC-CO break-even at a 181.78 bu county yield, 2026 prices
PLC yield, % of your official benchmark
Which pays more, by season-average price
60% 109.1 bu
PLC pays more at $3.41 or lower. ARC-CO pays more from $3.42 to $4.52. Neither pays at $4.53 or higher.
70% 127.2 bu
PLC pays more at $3.55 or lower. ARC-CO pays more from $3.56 to $4.52. Neither pays at $4.53 or higher.
80% 145.4 bu
PLC pays more at $3.66 or lower. ARC-CO pays more from $3.67 to $4.52. Neither pays at $4.53 or higher.
90% 163.6 bu
PLC pays more at $3.74 or lower. ARC-CO pays more from $3.75 to $4.52. Neither pays at $4.53 or higher.
100% 181.8 bu
PLC pays more at $3.81 or lower. ARC-CO pays more from $3.82 to $4.52. Neither pays at $4.53 or higher.
FSA history, non-irrigated
Year
Benchmark
Price
County yield
ARC-CO $/ac
2021
180.01
$3.70
147.53
none
2022
183.77
$3.70
184.74
none
2023
178.45
$3.98
164.46
none
2024
182.95
$4.85
175.83
$17.57
2025
177.97
$5.03
188.38
$22.01
Program year; benchmark yield in bu/acre; benchmark price $/bu; actual county yield; ARC-CO payment rate per acre before the 85% factor. All from FSA’s files. Older program years use older windows and prices, so they are history, not this year’s benchmark.
Wheat 2026 in Clay County: Close, either one
All practices, 2026: Close, either one: about $0.65 apart, too small or too uncertain to call (expected $9.47 PLC vs $10.12 ARC-CO per base acre; PLC paid more in 2 of 11 past-year scenarios, ARC-CO in 4).
PLC pays on any season-average price below $6.35, up to $114.90 per base acre at the $3.72 loan rate, so it protects against a deep price drop. ARC-CO is capped at $47.17 per base acre but also pays when the county’s yield is short; it paid something in 6 of the 11 past-year scenarios. With prices centered at $6.30, PLC is expected to pay $9.47 and ARC-CO $10.12 per base acre.
2027: No 2027 price yet: there is no 2027 price outlook for this crop we can check against past years, so no call. Type a price in the calculator to see the dollars. The 2027 view uses FSA’s 2026 benchmark; FSA posts 2027 later.
For a typical farm: FSA’s county average PLC yield 51.4 bu (program year 2025) and the official 66.25 bu benchmark. County yields from this county’s own FSA yields. Run your own numbers in the calculator below.
Average PLC yield on enrolled wheat base in this county: 51.4 bu (FSA, program year 2025). Your farm’s own is on the FSA-156EZ.
All practices: official 2026 ARC-CO benchmark
Benchmark yield (FSA)66.25 bu
Benchmark price 2026$6.98
Benchmark revenue$462.43/ac
Guarantee (90%)$416.18/ac
Max payment (12%)$55.49/ac
Max per base acre (×85%)$47.17
FSA trend-adjusted county yields (county yield or 80% of T-yield): 2020: 64.61 · 2021: 66.74 · 2022: 67.39 · 2023: 69.45 (dropped) · 2024: 63.79 (dropped) (struck: high and low). Middle three average: 66.25 bu.
At a season-average price equal to the 2026 effective reference price ($6.35/bu), PLC pays nothing and ARC-CO pays when the
county yield comes in below 65.5 bu, reaching its cap below 56.8 bu.
PLC vs ARC-CO break-even at a 66.25 bu county yield, 2026 prices
PLC yield, % of your official benchmark
Which pays more, by season-average price
60% 39.8 bu
PLC pays more at $4.95 or lower. ARC-CO pays more from $4.96 to $6.17. PLC pays more from $6.18 to $6.34. Neither pays at $6.35 or higher.
70% 46.4 bu
PLC pays more at $5.15 or lower. ARC-CO pays more from $5.16 to $6.12. PLC pays more from $6.13 to $6.34. Neither pays at $6.35 or higher.
80% 53.0 bu
PLC pays more at $5.30 or lower. ARC-CO pays more from $5.31 to $6.00. Both pay the same at $6.01. PLC pays more from $6.02 to $6.34. Neither pays at $6.35 or higher.
90% 59.6 bu
PLC pays more at $5.41 or lower. ARC-CO pays more from $5.42 to $5.67. PLC pays more from $5.68 to $6.34. Neither pays at $6.35 or higher.
100% 66.3 bu
PLC pays more at $6.34 or lower. Neither pays at $6.35 or higher.
FSA history, all practices
Year
Benchmark
Price
County yield
ARC-CO $/ac
2021
66.25
$5.50
64.04
none
2022
63.89
$5.50
65.23
none
2023
63.63
$5.50
67.83
none
2024
64.20
$6.21
62.71
none
2025
65.67
$6.98
73.69
$39.67
Program year; benchmark yield in bu/acre; benchmark price $/bu; actual county yield; ARC-CO payment rate per acre before the 85% factor. All from FSA’s files. Older program years use older windows and prices, so they are history, not this year’s benchmark.
All practices, 2026: Leans ARC-CO: expected about $11.00 more per base acre; PLC did not pay more in any of the 11 years, but the gap is within the normal swing (expected $3.90 PLC vs $14.90 ARC-CO per base acre; PLC paid more in 0 of 11 past-year scenarios, ARC-CO in 8). Capped at Leans: this crop borrows corn’s price swings.
PLC pays on any season-average price below $5.58, up to $134.95 per base acre at the $2.75 loan rate, so it protects against a deep price drop. ARC-CO is capped at $52.51 per base acre but also pays when the county’s yield is short; it paid something in 8 of the 11 past-year scenarios. With prices centered at $5.70, PLC is expected to pay $3.90 and ARC-CO $14.90 per base acre.
2027: No 2027 price yet: there is no 2027 price outlook for this crop we can check against past years, so no call. Type a price in the calculator to see the dollars. The 2027 view uses FSA’s 2026 benchmark; FSA posts 2027 later.
For a typical farm: FSA’s county average PLC yield 56.1 bu (program year 2025) and the official 80.07 bu benchmark. County yields from this county’s own FSA yields. Run your own numbers in the calculator below.
Average PLC yield on enrolled barley base in this county: 56.1 bu (FSA, program year 2025). Your farm’s own is on the FSA-156EZ.
All practices: official 2026 ARC-CO benchmark
Benchmark yield (FSA)80.07 bu
Benchmark price 2026$6.43
Benchmark revenue$514.85/ac
Guarantee (90%)$463.37/ac
Max payment (12%)$61.78/ac
Max per base acre (×85%)$52.51
FSA trend-adjusted county yields (county yield or 80% of T-yield): 2020: 74.75 · 2021: 62.85 (dropped) · 2022: 85.18 · 2023: 80.29 · 2024: 92.16 (dropped) (struck: high and low). Middle three average: 80.07 bu.
At a season-average price equal to the 2026 effective reference price ($5.58/bu), PLC pays nothing and ARC-CO pays when the
county yield comes in below 83.0 bu, reaching its cap below 72.0 bu.
PLC vs ARC-CO break-even at a 80.07 bu county yield, 2026 prices
PLC yield, % of your official benchmark
Which pays more, by season-average price
60% 48.0 bu
PLC pays more at $4.29 or lower. ARC-CO pays more from $4.30 to $5.78. Neither pays at $5.79 or higher.
70% 56.0 bu
PLC pays more at $4.47 or lower. ARC-CO pays more from $4.48 to $5.78. Neither pays at $5.79 or higher.
80% 64.1 bu
PLC pays more at $4.61 or lower. ARC-CO pays more from $4.62 to $5.78. Neither pays at $5.79 or higher.
90% 72.1 bu
PLC pays more at $4.72 or lower. ARC-CO pays more from $4.73 to $5.78. Neither pays at $5.79 or higher.
100% 80.1 bu
PLC pays more at $4.80 or lower. ARC-CO pays more from $4.81 to $5.78. Neither pays at $5.79 or higher.
FSA history, all practices
Year
Benchmark
Price
County yield
ARC-CO $/ac
2021
77.39
$4.95
61.00
$5.54
2022
74.26
$4.95
83.70
none
2023
74.54
$4.95
79.18
none
2024
75.00
$5.07
91.42
none
2025
76.54
$6.10
95.30
none
Program year; benchmark yield in bu/acre; benchmark price $/bu; actual county yield; ARC-CO payment rate per acre before the 85% factor. All from FSA’s files. Older program years use older windows and prices, so they are history, not this year’s benchmark.
Sunflower seed 2026 in Clay County: Close, either one
All practices, 2026: Close, either one: about $2.27 apart, too small or too uncertain to call (expected $2.27 PLC vs $0 ARC-CO per base acre; PLC paid more in 3 of 11 past-year scenarios, ARC-CO in 0).
PLC pays on any season-average price below $0.2375, up to $176.31 per base acre at the $0.1110 loan rate, so it protects against a deep price drop. ARC-CO is capped at $64.51 per base acre but also pays when the county’s yield is short; it paid something in 0 of the 11 past-year scenarios. With prices centered at $0.2470, PLC is expected to pay $2.27 and ARC-CO $0 per base acre.
2027: Waiting on USDA’s closing 2025 season-average price, which sets the 2027 reference price. The 2027 view uses FSA’s 2026 benchmark; FSA posts 2027 later.
For a typical farm: FSA’s county average PLC yield 1,639.7 lb (program year 2025) and the official 2,517.54 lb benchmark. County yields from this county’s own FSA yields. Run your own numbers in the calculator below.
Average PLC yield on enrolled sunflower seed base in this county: 1,639.7 lb (FSA, program year 2025). Your farm’s own is on the FSA-156EZ.
All practices: official 2026 ARC-CO benchmark
Benchmark yield (FSA)2,517.54 lb
Benchmark price 2026$0.2512
Benchmark revenue$632.41/ac
Guarantee (90%)$569.17/ac
Max payment (12%)$75.89/ac
Max per base acre (×85%)$64.51
FSA trend-adjusted county yields (county yield or 80% of T-yield): 2020: 2272.29 · 2021: 2846.58 · 2022: 2887.42 (dropped) · 2023: 2433.76 · 2024: 1716.58 (dropped) (struck: high and low). Middle three average: 2,517.54 lb.
At a season-average price equal to the 2026 effective reference price ($0.2375/lb), PLC pays nothing and ARC-CO pays when the
county yield comes in below 2,396.5 lb, reaching its cap below 2,077.0 lb.
PLC vs ARC-CO break-even at a 2,517.54 lb county yield, 2026 prices
PLC yield, % of your official benchmark
Which pays more, by season-average price
60% 1,510.5 lb
PLC pays more at $0.1872 or lower. ARC-CO pays more from $0.1873 to $0.2089. PLC pays more from $0.2090 to $0.2374. Neither pays at $0.2375 or higher.
70% 1,762.3 lb
PLC pays more at $0.1944 or lower. ARC-CO pays more from $0.1945 to $0.1994. PLC pays more from $0.1995 to $0.2374. Neither pays at $0.2375 or higher.
80% 2,014.0 lb
PLC pays more at $0.2374 or lower. Neither pays at $0.2375 or higher.
90% 2,265.8 lb
PLC pays more at $0.2374 or lower. Neither pays at $0.2375 or higher.
100% 2,517.5 lb
PLC pays more at $0.2374 or lower. Neither pays at $0.2375 or higher.
FSA history, all practices
Year
Benchmark
Price
County yield
ARC-CO $/ac
2021
2,248.30
$0.2015
2789.13
none
2022
2,320.74
$0.2015
2841.46
none
2023
2,631.71
$0.2053
2399.29
none
2024
2,643.23
$0.2308
1621.48
$61.01
2025
2,506.16
$0.2510
2280.70
$14.22
Program year; benchmark yield in lb/acre; benchmark price $/lb; actual county yield; ARC-CO payment rate per acre before the 85% factor. All from FSA’s files. Older program years use older windows and prices, so they are history, not this year’s benchmark.
All practices, 2026: Leans ARC-CO: expected about $14.23 more per base acre; PLC did not pay more in any of the 11 years, but the gap is within the normal swing (expected $0 PLC vs $14.23 ARC-CO per base acre; PLC paid more in 0 of 11 past-year scenarios, ARC-CO in 9). Capped at Leans: this crop borrows corn’s price swings.
PLC pays on any season-average price below $3.05, up to $47.03 per base acre at the $2.20 loan rate, so it protects against a deep price drop. ARC-CO is capped at $27.65 per base acre but also pays when the county’s yield is short; it paid something in 9 of the 11 past-year scenarios. With prices centered at $3.35, PLC is expected to pay $0 and ARC-CO $14.23 per base acre.
2027: No 2027 price yet: there is no 2027 price outlook for this crop we can check against past years, so no call. Type a price in the calculator to see the dollars. The 2027 view uses FSA’s 2026 benchmark; FSA posts 2027 later.
For a typical farm: FSA’s county average PLC yield 65.1 bu (program year 2025) and the official 68.80 bu benchmark. County yields from this county’s own FSA yields. Run your own numbers in the calculator below.
Average PLC yield on enrolled oats base in this county: 65.1 bu (FSA, program year 2025). Your farm’s own is on the FSA-156EZ.
All practices: official 2026 ARC-CO benchmark
Benchmark yield (FSA)68.80 bu
Benchmark price 2026$3.94
Benchmark revenue$271.07/ac
Guarantee (90%)$243.96/ac
Max payment (12%)$32.53/ac
Max per base acre (×85%)$27.65
FSA trend-adjusted county yields (county yield or 80% of T-yield): 2020: 88.8 · 2021: 59.2 · 2022: 58.4 · 2023: 58.02 (dropped) · 2024: 116.06 (dropped) (struck: high and low). Middle three average: 68.80 bu.
At a season-average price equal to the 2026 effective reference price ($3.05/bu), PLC pays nothing and ARC-CO pays when the
county yield comes in below 80.0 bu, reaching its cap below 69.3 bu.
PLC vs ARC-CO break-even at a 68.80 bu county yield, 2026 prices
PLC yield, % of your official benchmark
Which pays more, by season-average price
60% 41.3 bu
PLC pays more at $2.26 or lower. ARC-CO pays more from $2.27 to $3.54. Neither pays at $3.55 or higher.
70% 48.2 bu
PLC pays more at $2.37 or lower. ARC-CO pays more from $2.38 to $3.54. Neither pays at $3.55 or higher.
80% 55.0 bu
PLC pays more at $2.45 or lower. ARC-CO pays more from $2.46 to $3.54. Neither pays at $3.55 or higher.
90% 61.9 bu
PLC pays more at $2.52 or lower. ARC-CO pays more from $2.53 to $3.54. Neither pays at $3.55 or higher.
100% 68.8 bu
PLC pays more at $2.57 or lower. ARC-CO pays more from $2.58 to $3.54. Neither pays at $3.55 or higher.
FSA history, all practices
Year
Benchmark
Price
County yield
ARC-CO $/ac
2021
86.68
$2.55
50.50
none
2022
84.78
$2.67
53.10
none
2023
84.78
$2.75
58.02
none
2024
74.91
$3.38
116.06
none
2025
65.00
$3.84
102.48
none
Program year; benchmark yield in bu/acre; benchmark price $/bu; actual county yield; ARC-CO payment rate per acre before the 85% factor. All from FSA’s files. Older program years use older windows and prices, so they are history, not this year’s benchmark.
All practices, 2026: Leans ARC-CO: expected about $6.61 more per base acre; but the gap is within the normal swing, so PLC is a defensible choice (expected $23.93 PLC vs $30.54 ARC-CO per base acre; PLC paid more in 1 of 11 past-year scenarios, ARC-CO in 10). Capped at Leans: this crop borrows corn’s price swings.
PLC pays on any season-average price below $0.1314, up to $77.33 per base acre at the $0.0687 loan rate, so it protects against a deep price drop. ARC-CO is capped at $34.30 per base acre but also pays when the county’s yield is short; it paid something in 11 of the 11 past-year scenarios. With prices centered at $0.1120, PLC is expected to pay $23.93 and ARC-CO $30.54 per base acre.
2027: No 2027 price yet: there is no 2027 price outlook for this crop we can check against past years, so no call. Type a price in the calculator to see the dollars. The 2027 view uses FSA’s 2026 benchmark; FSA posts 2027 later.
For a typical farm: FSA’s county average PLC yield 1,451.0 lb (program year 2025) and the official 2,252.17 lb benchmark. County yields from this county’s own FSA yields. Run your own numbers in the calculator below.
Average PLC yield on enrolled dry peas base in this county: 1,451.0 lb (FSA, program year 2025). Your farm’s own is on the FSA-156EZ.
All practices: official 2026 ARC-CO benchmark
Benchmark yield (FSA)2,252.17 lb
Benchmark price 2026$0.1493
Benchmark revenue$336.25/ac
Guarantee (90%)$302.62/ac
Max payment (12%)$40.35/ac
Max per base acre (×85%)$34.30
FSA trend-adjusted county yields (county yield or 80% of T-yield): 2020: 2398 · 2021: 1520 (dropped) · 2022: 2058.5 · 2023: 2300 · 2024: 2431 (dropped) (struck: high and low). Middle three average: 2,252.17 lb.
At a season-average price equal to the 2026 effective reference price ($0.1314/lb), PLC pays nothing and ARC-CO pays when the
county yield comes in below 2,303.1 lb, reaching its cap below 1,996.0 lb.
PLC vs ARC-CO break-even at a 2,252.17 lb county yield, 2026 prices
PLC yield, % of your official benchmark
Which pays more, by season-average price
60% 1,351.3 lb
PLC pays more at $0.1015 or lower. ARC-CO pays more from $0.1016 to $0.1343. Neither pays at $0.1344 or higher.
70% 1,576.5 lb
PLC pays more at $0.1057 or lower. Both pay the same at $0.1058. ARC-CO pays more from $0.1059 to $0.1343. Neither pays at $0.1344 or higher.
80% 1,801.7 lb
PLC pays more at $0.1089 or lower. Both pay the same at $0.1090. ARC-CO pays more from $0.1091 to $0.1343. Neither pays at $0.1344 or higher.
90% 2,027.0 lb
PLC pays more at $0.1114 or lower. ARC-CO pays more from $0.1115 to $0.1343. Neither pays at $0.1344 or higher.
100% 2,252.2 lb
PLC pays more at $0.1134 or lower. ARC-CO pays more from $0.1135 to $0.1343. Neither pays at $0.1344 or higher.
FSA history, all practices
Year
Benchmark
Price
County yield
ARC-CO $/ac
2022
2,162.33
$0.1100
2058.50
none
2023
1,869.67
$0.1127
2300.00
none
2024
1,955.83
$0.1267
2431.00
none
2025
1,959.50
$0.1477
2038.87
$34.17
Program year; benchmark yield in lb/acre; benchmark price $/lb; actual county yield; ARC-CO payment rate per acre before the 85% factor. All from FSA’s files. Older program years use older windows and prices, so they are history, not this year’s benchmark.
All practices, 2026: Leans ARC-CO: expected about $3.67 more per base acre; PLC did not pay more in any of the 11 years, but the gap is within the normal swing (expected $5.85 PLC vs $9.51 ARC-CO per base acre; PLC paid more in 0 of 11 past-year scenarios, ARC-CO in 8). Capped at Leans: this crop borrows corn’s price swings.
PLC pays on any season-average price below $13.30, up to $72.26 per base acre at the $6.216 loan rate, so it protects against a deep price drop. ARC-CO is capped at $32.13 per base acre but also pays when the county’s yield is short; it paid something in 8 of the 11 past-year scenarios. With prices centered at $13.00, PLC is expected to pay $5.85 and ARC-CO $9.51 per base acre.
2027: No 2027 price yet: there is no 2027 price outlook for this crop we can check against past years, so no call. Type a price in the calculator to see the dollars. The 2027 view uses FSA’s 2026 benchmark; FSA posts 2027 later.
For a typical farm: FSA’s county average PLC yield 12.0 bu (program year 2025) and the official 21.43 bu benchmark. County yields from this county’s own FSA yields. Run your own numbers in the calculator below.
Average PLC yield on enrolled flaxseed base in this county: 12.0 bu (FSA, program year 2025). Your farm’s own is on the FSA-156EZ.
All practices: official 2026 ARC-CO benchmark
Benchmark yield (FSA)21.43 bu
Benchmark price 2026$14.70
Benchmark revenue$315.02/ac
Guarantee (90%)$283.52/ac
Max payment (12%)$37.80/ac
Max per base acre (×85%)$32.13
FSA trend-adjusted county yields (county yield or 80% of T-yield): 2020: 16.3 (dropped) · 2021: 18.9 · 2022: 31.94 (dropped) · 2023: 20.38 · 2024: 25.02 (struck: high and low). Middle three average: 21.43 bu.
At a season-average price equal to the 2026 effective reference price ($13.30/bu), PLC pays nothing and ARC-CO pays when the
county yield comes in below 21.3 bu, reaching its cap below 18.5 bu.
PLC vs ARC-CO break-even at a 21.43 bu county yield, 2026 prices
PLC yield, % of your official benchmark
Which pays more, by season-average price
60% 12.9 bu
PLC pays more at $10.36 or lower. Both pay the same at $10.37. ARC-CO pays more from $10.38 to $13.12. PLC pays more from $13.13 to $13.29. Neither pays at $13.30 or higher.
70% 15.0 bu
PLC pays more at $10.77 or lower. Both pay the same at $10.78. ARC-CO pays more from $10.79 to $13.06. PLC pays more from $13.07 to $13.29. Neither pays at $13.30 or higher.
80% 17.1 bu
PLC pays more at $11.08 or lower. ARC-CO pays more from $11.09 to $12.95. PLC pays more from $12.96 to $13.29. Neither pays at $13.30 or higher.
90% 19.3 bu
PLC pays more at $11.34 or lower. ARC-CO pays more from $11.35 to $12.59. Both pay the same at $12.60. PLC pays more from $12.61 to $13.29. Neither pays at $13.30 or higher.
100% 21.4 bu
PLC pays more at $13.29 or lower. Neither pays at $13.30 or higher.
FSA history, all practices
Year
Benchmark
Price
County yield
ARC-CO $/ac
2022
18.50
$11.284
31.94
none
2023
20.07
$11.284
20.38
none
2024
20.07
$13.356
25.02
none
2025
18.53
$14.70
29.12
none
Program year; benchmark yield in bu/acre; benchmark price $/bu; actual county yield; ARC-CO payment rate per acre before the 85% factor. All from FSA’s files. Older program years use older windows and prices, so they are history, not this year’s benchmark.
All practices, 2026: Close, either one: about $0.14 apart, too small or too uncertain to call (expected $1.52 PLC vs $1.65 ARC-CO per base acre; PLC paid more in 2 of 11 past-year scenarios, ARC-CO in 2).
PLC pays on any season-average price below $0.2375, up to $82.90 per base acre at the $0.1110 loan rate, so it protects against a deep price drop. ARC-CO is capped at $48.37 per base acre but also pays when the county’s yield is short; it paid something in 3 of the 11 past-year scenarios. With prices centered at $0.2450, PLC is expected to pay $1.52 and ARC-CO $1.65 per base acre.
2027: No 2027 price yet: there is no 2027 price outlook for this crop we can check against past years, so no call. Type a price in the calculator to see the dollars. The 2027 view uses FSA’s 2026 benchmark; FSA posts 2027 later.
For a typical farm: FSA’s county average PLC yield 771.0 lb (program year 2025) and the official 1,827.27 lb benchmark. County yields from this county’s own FSA yields. Run your own numbers in the calculator below.
Average PLC yield on enrolled canola base in this county: 771.0 lb (FSA, program year 2025). Your farm’s own is on the FSA-156EZ.
All practices: official 2026 ARC-CO benchmark
Benchmark yield (FSA)1,827.27 lb
Benchmark price 2026$0.2595
Benchmark revenue$474.18/ac
Guarantee (90%)$426.76/ac
Max payment (12%)$56.90/ac
Max per base acre (×85%)$48.37
FSA trend-adjusted county yields (county yield or 80% of T-yield): 2020: 1411 · 2021: 1303.2 (dropped) · 2022: 2097 · 2023: 2614.17 (dropped) · 2024: 1973.8 (struck: high and low). Middle three average: 1,827.27 lb.
At a season-average price equal to the 2026 effective reference price ($0.2375/lb), PLC pays nothing and ARC-CO pays when the
county yield comes in below 1,796.9 lb, reaching its cap below 1,557.3 lb.
PLC vs ARC-CO break-even at a 1,827.27 lb county yield, 2026 prices
PLC yield, % of your official benchmark
Which pays more, by season-average price
60% 1,096.4 lb
PLC pays more at $0.1855 or lower. Both pay the same at $0.1856. ARC-CO pays more from $0.1857 to $0.2276. PLC pays more from $0.2277 to $0.2374. Neither pays at $0.2375 or higher.
70% 1,279.1 lb
PLC pays more at $0.1930 or lower. ARC-CO pays more from $0.1931 to $0.2243. PLC pays more from $0.2244 to $0.2374. Neither pays at $0.2375 or higher.
80% 1,461.8 lb
PLC pays more at $0.1985 or lower. ARC-CO pays more from $0.1986 to $0.2177. PLC pays more from $0.2178 to $0.2374. Neither pays at $0.2375 or higher.
90% 1,644.5 lb
PLC pays more at $0.2374 or lower. Neither pays at $0.2375 or higher.
100% 1,827.3 lb
PLC pays more at $0.2374 or lower. Neither pays at $0.2375 or higher.
FSA history, all practices
Year
Benchmark
Price
County yield
ARC-CO $/ac
2023
1,708.50
$0.2015
2614.17
none
2024
1,708.50
$0.2337
1973.80
none
2025
1,722.90
$0.2595
2640.00
none
Program year; benchmark yield in lb/acre; benchmark price $/lb; actual county yield; ARC-CO payment rate per acre before the 85% factor. All from FSA’s files. Older program years use older windows and prices, so they are history, not this year’s benchmark.
All practices, 2026: Leans ARC-CO: expected about $15.19 more per base acre; PLC did not pay more in any of the 11 years, but the gap is within the normal swing (expected $8.30 PLC vs $23.50 ARC-CO per base acre; PLC paid more in 0 of 11 past-year scenarios, ARC-CO in 9). Capped at Leans: this crop borrows corn’s price swings.
PLC pays on any season-average price below $4.67, up to $74.59 per base acre at the $2.42 loan rate, so it protects against a deep price drop. ARC-CO is capped at $44.97 per base acre but also pays when the county’s yield is short; it paid something in 9 of the 11 past-year scenarios. With prices centered at $4.50, PLC is expected to pay $8.30 and ARC-CO $23.50 per base acre.
2027: Waiting on USDA’s closing 2025 season-average price, which sets the 2027 reference price. The 2027 view uses FSA’s 2026 benchmark; FSA posts 2027 later.
For a typical farm: FSA’s county average PLC yield 39.0 bu (program year 2025) and the official 83.19 bu benchmark. County yields from this county’s own FSA yields. Run your own numbers in the calculator below.
Average PLC yield on enrolled sorghum base in this county: 39.0 bu (FSA, program year 2025). Your farm’s own is on the FSA-156EZ.
All practices: official 2026 ARC-CO benchmark
Benchmark yield (FSA)83.19 bu
Benchmark price 2026$5.30
Benchmark revenue$440.91/ac
Guarantee (90%)$396.82/ac
Max payment (12%)$52.91/ac
Max per base acre (×85%)$44.97
FSA trend-adjusted county yields (county yield or 80% of T-yield): 2020: 71 (dropped) · 2021: 94 (dropped) · 2022: 81.83 · 2023: 88.21 · 2024: 79.52 (struck: high and low). Middle three average: 83.19 bu.
At a season-average price equal to the 2026 effective reference price ($4.67/bu), PLC pays nothing and ARC-CO pays when the
county yield comes in below 85.0 bu, reaching its cap below 73.6 bu.
PLC vs ARC-CO break-even at a 83.19 bu county yield, 2026 prices
PLC yield, % of your official benchmark
Which pays more, by season-average price
60% 49.9 bu
PLC pays more at $3.60 or lower. ARC-CO pays more from $3.61 to $4.76. Neither pays at $4.77 or higher.
70% 58.2 bu
PLC pays more at $3.76 or lower. ARC-CO pays more from $3.77 to $4.76. Neither pays at $4.77 or higher.
80% 66.6 bu
PLC pays more at $3.87 or lower. ARC-CO pays more from $3.88 to $4.76. Neither pays at $4.77 or higher.
90% 74.9 bu
PLC pays more at $3.96 or lower. ARC-CO pays more from $3.97 to $4.76. Neither pays at $4.77 or higher.
100% 83.2 bu
PLC pays more at $4.03 or lower. ARC-CO pays more from $4.04 to $4.76. Neither pays at $4.77 or higher.
FSA history, all practices
Year
Benchmark
Price
County yield
ARC-CO $/ac
2021
66.17
$3.95
94.00
none
2024
71.94
$5.01
79.52
none
2025
80.35
$5.30
83.50
$51.10
Program year; benchmark yield in bu/acre; benchmark price $/bu; actual county yield; ARC-CO payment rate per acre before the 85% factor. All from FSA’s files. Older program years use older windows and prices, so they are history, not this year’s benchmark.
Break-even prices are per base acre with both programs on 85% of base and 2026 prices. Your PLC yield is on the FSA-156EZ.
Run every number for your farm
Run your farm’s numbers
Run each crop on each FSA farm number separately. The election is made crop by crop, farm by farm.
FSA has separate irrigated and non-irrigated benchmarks here. A farm with both is weighted by its historical irrigated percentage on FSA’s records, not by what you plant this year.
From the FSA-156EZ. Base acres are not what you plant; each farm number has its own base.
On the FSA-156EZ for the farm. Each farm has its own.
Fills in from FSA’s official county file when we have it. You can type the number your county office gives you.
County average, not your farm. A normal year often comes in a bit above this.
USDA national season-average price for the marketing year, not your local cash price.
Goes on the printout and keeps each farm’s numbers apart on this device.
Loading FSA and USDA numbers for the calculator.
Questions about Clay County
Should I pick ARC or PLC for soybeans in Clay County for 2026?
For a typical farm (non-irrigated): Neither expected to pay (expected $0 PLC vs $0 ARC-CO per base acre; PLC paid more in 0 of 11 past-year scenarios, ARC-CO in 0). PLC pays on any season-average price below $10.71, up to $110.44 per base acre at the $6.82 loan rate, so it protects against a deep price drop. ARC-CO is capped at $49.72 per base acre but also pays when the county’s yield is short; it paid something in 0 of the 11 past-year scenarios. With prices centered at $12.00, PLC is expected to pay $0 and ARC-CO $0 per base acre. Run your own PLC yield and base acres; the answer can change.
What is the ARC-CO benchmark yield for soybeans in Clay County?
FSA's official 2026 benchmark yield for soybeans in Clay County, Minnesota is 47.06 bu (irrigated); 40.05 bu (non-irrigated). The 2026 benchmark price is $12.17 per bushel. FSA has not posted the 2027 benchmark.
Should I pick ARC or PLC for corn in Clay County for 2026?
For a typical farm (non-irrigated): Leans ARC-CO: expected about $4.32 more per base acre; PLC did not pay more in any of the 11 years, but the gap is within the normal swing (expected $0.91 PLC vs $5.23 ARC-CO per base acre; PLC paid more in 0 of 11 past-year scenarios, ARC-CO in 4). PLC pays on any season-average price below $4.42, up to $217.09 per base acre at the $2.42 loan rate, so it protects against a deep price drop. ARC-CO is capped at $93.26 per base acre but also pays when the county’s yield is short; it paid something in 4 of the 11 past-year scenarios. With prices centered at $4.70, PLC is expected to pay $0.91 and ARC-CO $5.23 per base acre. Run your own PLC yield and base acres; the answer can change.
What is the ARC-CO benchmark yield for corn in Clay County?
FSA's official 2026 benchmark yield for corn in Clay County, Minnesota is 195.18 bu (irrigated); 181.78 bu (non-irrigated). The 2026 benchmark price is $5.03 per bushel. FSA has not posted the 2027 benchmark.
Should I pick ARC or PLC for wheat in Clay County for 2026?
For a typical farm (all practices): Close, either one: about $0.65 apart, too small or too uncertain to call (expected $9.47 PLC vs $10.12 ARC-CO per base acre; PLC paid more in 2 of 11 past-year scenarios, ARC-CO in 4). PLC pays on any season-average price below $6.35, up to $114.90 per base acre at the $3.72 loan rate, so it protects against a deep price drop. ARC-CO is capped at $47.17 per base acre but also pays when the county’s yield is short; it paid something in 6 of the 11 past-year scenarios. With prices centered at $6.30, PLC is expected to pay $9.47 and ARC-CO $10.12 per base acre. Run your own PLC yield and base acres; the answer can change.
What is the ARC-CO benchmark yield for wheat in Clay County?
FSA's official 2026 benchmark yield for wheat in Clay County, Minnesota is 66.25 bu (all practices). The 2026 benchmark price is $6.98 per bushel. FSA has not posted the 2027 benchmark.
Should I pick ARC or PLC for barley in Clay County for 2026?
For a typical farm (all practices): Leans ARC-CO: expected about $11.00 more per base acre; PLC did not pay more in any of the 11 years, but the gap is within the normal swing (expected $3.90 PLC vs $14.90 ARC-CO per base acre; PLC paid more in 0 of 11 past-year scenarios, ARC-CO in 8). Capped at Leans: this crop borrows corn’s price swings. PLC pays on any season-average price below $5.58, up to $134.95 per base acre at the $2.75 loan rate, so it protects against a deep price drop. ARC-CO is capped at $52.51 per base acre but also pays when the county’s yield is short; it paid something in 8 of the 11 past-year scenarios. With prices centered at $5.70, PLC is expected to pay $3.90 and ARC-CO $14.90 per base acre. Run your own PLC yield and base acres; the answer can change.
What is the ARC-CO benchmark yield for barley in Clay County?
FSA's official 2026 benchmark yield for barley in Clay County, Minnesota is 80.07 bu (all practices). The 2026 benchmark price is $6.43 per bushel. FSA has not posted the 2027 benchmark.
Should I pick ARC or PLC for sunflower seed in Clay County for 2026?
For a typical farm (all practices): Close, either one: about $2.27 apart, too small or too uncertain to call (expected $2.27 PLC vs $0 ARC-CO per base acre; PLC paid more in 3 of 11 past-year scenarios, ARC-CO in 0). PLC pays on any season-average price below $0.2375, up to $176.31 per base acre at the $0.1110 loan rate, so it protects against a deep price drop. ARC-CO is capped at $64.51 per base acre but also pays when the county’s yield is short; it paid something in 0 of the 11 past-year scenarios. With prices centered at $0.2470, PLC is expected to pay $2.27 and ARC-CO $0 per base acre. Run your own PLC yield and base acres; the answer can change.
What is the ARC-CO benchmark yield for sunflower seed in Clay County?
FSA's official 2026 benchmark yield for sunflower seed in Clay County, Minnesota is 2,517.54 lb (all practices). The 2026 benchmark price is $0.2512 per pound. FSA has not posted the 2027 benchmark.
Should I pick ARC or PLC for oats in Clay County for 2026?
For a typical farm (all practices): Leans ARC-CO: expected about $14.23 more per base acre; PLC did not pay more in any of the 11 years, but the gap is within the normal swing (expected $0 PLC vs $14.23 ARC-CO per base acre; PLC paid more in 0 of 11 past-year scenarios, ARC-CO in 9). Capped at Leans: this crop borrows corn’s price swings. PLC pays on any season-average price below $3.05, up to $47.03 per base acre at the $2.20 loan rate, so it protects against a deep price drop. ARC-CO is capped at $27.65 per base acre but also pays when the county’s yield is short; it paid something in 9 of the 11 past-year scenarios. With prices centered at $3.35, PLC is expected to pay $0 and ARC-CO $14.23 per base acre. Run your own PLC yield and base acres; the answer can change.
What is the ARC-CO benchmark yield for oats in Clay County?
FSA's official 2026 benchmark yield for oats in Clay County, Minnesota is 68.80 bu (all practices). The 2026 benchmark price is $3.94 per bushel. FSA has not posted the 2027 benchmark.
Should I pick ARC or PLC for dry peas in Clay County for 2026?
For a typical farm (all practices): Leans ARC-CO: expected about $6.61 more per base acre; but the gap is within the normal swing, so PLC is a defensible choice (expected $23.93 PLC vs $30.54 ARC-CO per base acre; PLC paid more in 1 of 11 past-year scenarios, ARC-CO in 10). Capped at Leans: this crop borrows corn’s price swings. PLC pays on any season-average price below $0.1314, up to $77.33 per base acre at the $0.0687 loan rate, so it protects against a deep price drop. ARC-CO is capped at $34.30 per base acre but also pays when the county’s yield is short; it paid something in 11 of the 11 past-year scenarios. With prices centered at $0.1120, PLC is expected to pay $23.93 and ARC-CO $30.54 per base acre. Run your own PLC yield and base acres; the answer can change.
What is the ARC-CO benchmark yield for dry peas in Clay County?
FSA's official 2026 benchmark yield for dry peas in Clay County, Minnesota is 2,252.17 lb (all practices). The 2026 benchmark price is $0.1493 per pound. FSA has not posted the 2027 benchmark.
Should I pick ARC or PLC for flaxseed in Clay County for 2026?
For a typical farm (all practices): Leans ARC-CO: expected about $3.67 more per base acre; PLC did not pay more in any of the 11 years, but the gap is within the normal swing (expected $5.85 PLC vs $9.51 ARC-CO per base acre; PLC paid more in 0 of 11 past-year scenarios, ARC-CO in 8). Capped at Leans: this crop borrows corn’s price swings. PLC pays on any season-average price below $13.30, up to $72.26 per base acre at the $6.216 loan rate, so it protects against a deep price drop. ARC-CO is capped at $32.13 per base acre but also pays when the county’s yield is short; it paid something in 8 of the 11 past-year scenarios. With prices centered at $13.00, PLC is expected to pay $5.85 and ARC-CO $9.51 per base acre. Run your own PLC yield and base acres; the answer can change.
What is the ARC-CO benchmark yield for flaxseed in Clay County?
FSA's official 2026 benchmark yield for flaxseed in Clay County, Minnesota is 21.43 bu (all practices). The 2026 benchmark price is $14.70 per bushel. FSA has not posted the 2027 benchmark.
Should I pick ARC or PLC for canola in Clay County for 2026?
For a typical farm (all practices): Close, either one: about $0.14 apart, too small or too uncertain to call (expected $1.52 PLC vs $1.65 ARC-CO per base acre; PLC paid more in 2 of 11 past-year scenarios, ARC-CO in 2). PLC pays on any season-average price below $0.2375, up to $82.90 per base acre at the $0.1110 loan rate, so it protects against a deep price drop. ARC-CO is capped at $48.37 per base acre but also pays when the county’s yield is short; it paid something in 3 of the 11 past-year scenarios. With prices centered at $0.2450, PLC is expected to pay $1.52 and ARC-CO $1.65 per base acre. Run your own PLC yield and base acres; the answer can change.
What is the ARC-CO benchmark yield for canola in Clay County?
FSA's official 2026 benchmark yield for canola in Clay County, Minnesota is 1,827.27 lb (all practices). The 2026 benchmark price is $0.2595 per pound. FSA has not posted the 2027 benchmark.
Should I pick ARC or PLC for sorghum in Clay County for 2026?
For a typical farm (all practices): Leans ARC-CO: expected about $15.19 more per base acre; PLC did not pay more in any of the 11 years, but the gap is within the normal swing (expected $8.30 PLC vs $23.50 ARC-CO per base acre; PLC paid more in 0 of 11 past-year scenarios, ARC-CO in 9). Capped at Leans: this crop borrows corn’s price swings. PLC pays on any season-average price below $4.67, up to $74.59 per base acre at the $2.42 loan rate, so it protects against a deep price drop. ARC-CO is capped at $44.97 per base acre but also pays when the county’s yield is short; it paid something in 9 of the 11 past-year scenarios. With prices centered at $4.50, PLC is expected to pay $8.30 and ARC-CO $23.50 per base acre. Run your own PLC yield and base acres; the answer can change.
What is the ARC-CO benchmark yield for sorghum in Clay County?
FSA's official 2026 benchmark yield for sorghum in Clay County, Minnesota is 83.19 bu (all practices). The 2026 benchmark price is $5.30 per bushel. FSA has not posted the 2027 benchmark.