ARC vs PLC › Minnesota › Cottonwood County
ARC-CO and PLC · FSA official
Cottonwood County, MN: ARC or PLC for 2026 and 2027
FSA’s official 2026 ARC-CO benchmark yields for Cottonwood County, Minnesota, with the math behind them and what they mean for ARC-CO and PLC. FSA has not posted 2027 benchmarks; the 2027 benchmark shifts the window one year.
Quick answer for 2026, for a typical farm in this county. Run your own numbers; your PLC yield and base can change it.
- Corn, non-irrigated: ARC-CO expected to pay more (est. $1.33 PLC vs $31.89 ARC-CO per base acre; PLC more in 0 of 10 past-year scenarios, ARC-CO in 4).
- Soybeans, non-irrigated: leans ARC-CO (est. $0 PLC vs $10.19 ARC-CO per base acre; PLC more in 0 of 10 past-year scenarios, ARC-CO in 2).
- Wheat: leans PLC (est. $20.69 PLC vs $12.38 ARC-CO per base acre; PLC more in 4 of 10 past-year scenarios, ARC-CO in 2).
Typical farm = FSA’s county average PLC yield and FSA’s official benchmark. Prices: USDA’s October WASDE projection, spread by how far the season-average price ended from October futures in each past year; county yields from the same past years. How this is figured.
Corn 2026 in Cottonwood County: ARC-CO expected to pay more
Non-irrigated, 2026: Pick ARC-CO (expected $1.33 PLC vs $31.89 ARC-CO per base acre; PLC paid more in 0 of 10 past-year scenarios, ARC-CO in 4).
PLC pays on any season-average price below $4.42, up to $272.34 per base acre at the $2.42 loan rate, so it protects against a deep price drop. ARC-CO is capped at $109.84 per base acre but also pays when the county’s yield is short; it paid something in 4 of the 10 past-year scenarios. With prices centered at $4.70, PLC is expected to pay $1.33 and ARC-CO $31.89 per base acre.
2027: Leans ARC-CO: expected about $18.72 more per base acre, but the gap is within the normal swing; either is a defensible choice (expected $13.87 PLC vs $32.59 ARC-CO per base acre; PLC paid more in 1 of 10 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 160.2 bu (program year 2025) and the official 214.09 bu benchmark. County yields from this county’s own FSA yields. Run your own numbers in the calculator below.
Irrigated, 2026: Pick ARC-CO (expected $1.33 PLC vs $36.38 ARC-CO per base acre; PLC paid more in 0 of 10 past-year scenarios, ARC-CO in 4).
PLC pays on any season-average price below $4.42, up to $272.34 per base acre at the $2.42 loan rate, so it protects against a deep price drop. ARC-CO is capped at $114.15 per base acre but also pays when the county’s yield is short; it paid something in 4 of the 10 past-year scenarios. With prices centered at $4.70, PLC is expected to pay $1.33 and ARC-CO $36.38 per base acre.
2027: Leans ARC-CO: expected about $20.19 more per base acre, but the gap is within the normal swing; either is a defensible choice (expected $13.87 PLC vs $34.06 ARC-CO per base acre; PLC paid more in 1 of 10 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 160.2 bu (program year 2025) and the official 222.49 bu benchmark. 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: 160.2 bu (FSA, program year 2025). Your farm’s own is on the FSA-156EZ.
Irrigated: official 2026 ARC-CO benchmark
FSA trend-adjusted county yields (county yield or 80% of T-yield): 2020: 232.56 · 2021: 218.02 · 2022: 233.28 · 2023: 216.88 · 2024: 154.36 (struck: high and low). Middle three average: 222.49 bu.
At a season-average price equal to the 2026 effective reference price ($4.42), PLC pays nothing and ARC-CO pays when the county yield comes in below 227.9 bu, reaching its cap below 197.5 bu.
PLC vs ARC-CO break-even at a 222.49 bu county yield, 2026 prices
| PLC yield, % of your official benchmark | Which pays more, by season-average price |
|---|---|
| 60% 133.5 bu | PLC: $3.41 or lower ARC-CO: $3.42 to $4.52 |
| 70% 155.7 bu | PLC: $3.55 or lower ARC-CO: $3.56 to $4.52 |
| 80% 178.0 bu | PLC: $3.66 or lower ARC-CO: $3.67 to $4.52 |
| 90% 200.2 bu | PLC: $3.74 or lower ARC-CO: $3.75 to $4.52 |
| 100% 222.5 bu | PLC: $3.81 or lower ARC-CO: $3.82 to $4.52 |
FSA history, irrigated
| Year | Benchmark | Price | County yield | ARC-CO $/ac |
|---|---|---|---|---|
| 2021 | 200.68 | $3.70 | 206.12 | none |
| 2022 | 206.12 | $3.70 | 223.76 | 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
FSA trend-adjusted county yields (county yield or 80% of T-yield): 2020: 225.73 · 2021: 209.68 · 2022: 223.57 · 2023: 209.03 · 2024: 180.79 (struck: high and low). Middle three average: 214.09 bu.
At a season-average price equal to the 2026 effective reference price ($4.42), PLC pays nothing and ARC-CO pays when the county yield comes in below 219.3 bu, reaching its cap below 190.0 bu.
PLC vs ARC-CO break-even at a 214.09 bu county yield, 2026 prices
| PLC yield, % of your official benchmark | Which pays more, by season-average price |
|---|---|
| 60% 128.5 bu | PLC: $3.41 or lower ARC-CO: $3.42 to $4.52 |
| 70% 149.9 bu | PLC: $3.55 or lower ARC-CO: $3.56 to $4.52 |
| 80% 171.3 bu | PLC: $3.66 or lower ARC-CO: $3.67 to $4.52 |
| 90% 192.7 bu | PLC: $3.74 or lower ARC-CO: $3.75 to $4.52 |
| 100% 214.1 bu | PLC: $3.81 or lower ARC-CO: $3.82 to $4.52 |
FSA history, non-irrigated
| Year | Benchmark | Price | County yield | ARC-CO $/ac |
|---|---|---|---|---|
| 2021 | 205.52 | $3.70 | 197.78 | none |
| 2022 | 206.01 | $3.70 | 214.05 | 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.
Soybeans 2026 in Cottonwood County: leans ARC-CO
Non-irrigated, 2026: Leans ARC-CO: expected about $10.19 more per base acre, but the gap is within the normal swing; either is a defensible choice (expected $0 PLC vs $10.19 ARC-CO per base acre; PLC paid more in 0 of 10 past-year scenarios, ARC-CO in 2).
PLC pays on any season-average price below $10.71, up to $148.79 per base acre at the $6.82 loan rate, so it protects against a deep price drop. ARC-CO is capped at $72.15 per base acre but also pays when the county’s yield is short; it paid something in 2 of the 10 past-year scenarios. With prices centered at $12.00, PLC is expected to pay $0 and ARC-CO $10.19 per base acre.
2027: Pick ARC-CO (expected $3.71 PLC vs $19.91 ARC-CO per base acre; PLC paid more in 0 of 10 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 45.0 bu (program year 2025) and the official 58.12 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 $14.38 more per base acre, but the gap is within the normal swing; either is a defensible choice (expected $0 PLC vs $14.38 ARC-CO per base acre; PLC paid more in 0 of 10 past-year scenarios, ARC-CO in 3).
PLC pays on any season-average price below $10.71, up to $148.79 per base acre at the $6.82 loan rate, so it protects against a deep price drop. ARC-CO is capped at $76.93 per base acre but also pays when the county’s yield is short; it paid something in 3 of the 10 past-year scenarios. With prices centered at $12.00, PLC is expected to pay $0 and ARC-CO $14.38 per base acre.
2027: Leans ARC-CO: expected about $11.60 more per base acre, but the gap is within the normal swing; either is a defensible choice (expected $3.71 PLC vs $15.31 ARC-CO per base acre; PLC paid more in 1 of 10 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 45.0 bu (program year 2025) and the official 61.97 bu benchmark. 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: 45.0 bu (FSA, program year 2025). Your farm’s own is on the FSA-156EZ.
Irrigated: official 2026 ARC-CO benchmark
FSA trend-adjusted county yields (county yield or 80% of T-yield): 2020: 61.5 · 2021: 67.45 · 2022: 58.2 · 2023: 66.2 · 2024: 53.79 (struck: high and low). Middle three average: 61.97 bu.
At a season-average price equal to the 2026 effective reference price ($10.71), PLC pays nothing and ARC-CO pays when the county yield comes in below 63.4 bu, reaching its cap below 54.9 bu.
PLC vs ARC-CO break-even at a 61.97 bu county yield, 2026 prices
| PLC yield, % of your official benchmark | Which pays more, by season-average price |
|---|---|
| 60% 37.2 bu | PLC: $8.27 or lower ARC-CO: $8.28 to $10.95 |
| 70% 43.4 bu | PLC: $8.62 or lower ARC-CO: $8.63 to $10.95 |
| 80% 49.6 bu | PLC: $8.88 or lower ARC-CO: $8.89 to $10.95 |
| 90% 55.8 bu | PLC: $9.08 or lower ARC-CO: $9.09 to $10.95 |
| 100% 62.0 bu | PLC: $9.24 or lower ARC-CO: $9.25 to $10.95 |
FSA history, irrigated
| Year | Benchmark | Price | County yield | ARC-CO $/ac |
|---|---|---|---|---|
| 2021 | 55.84 | $8.95 | 64.70 | none |
| 2022 | 56.62 | $9.12 | 56.00 | 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
FSA trend-adjusted county yields (county yield or 80% of T-yield): 2020: 63.9 · 2021: 60.92 · 2022: 58.2 · 2023: 55.24 · 2024: 49.99 (struck: high and low). Middle three average: 58.12 bu.
At a season-average price equal to the 2026 effective reference price ($10.71), PLC pays nothing and ARC-CO pays when the county yield comes in below 59.4 bu, reaching its cap below 51.5 bu.
PLC vs ARC-CO break-even at a 58.12 bu county yield, 2026 prices
| PLC yield, % of your official benchmark | Which pays more, by season-average price |
|---|---|
| 60% 34.9 bu | PLC: $8.27 or lower ARC-CO: $8.28 to $10.95 |
| 70% 40.7 bu | PLC: $8.62 or lower ARC-CO: $8.63 to $10.95 |
| 80% 46.5 bu | PLC: $8.88 or lower ARC-CO: $8.89 to $10.95 |
| 90% 52.3 bu | PLC: $9.08 or lower ARC-CO: $9.09 to $10.95 |
| 100% 58.1 bu | PLC: $9.24 or lower ARC-CO: $9.25 to $10.95 |
FSA history, non-irrigated
| Year | Benchmark | Price | County yield | ARC-CO $/ac |
|---|---|---|---|---|
| 2021 | 57.52 | $8.95 | 58.17 | none |
| 2022 | 58.13 | $9.12 | 56.00 | 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.
Wheat 2026 in Cottonwood County: leans PLC
All practices, 2026: Leans PLC: expected about $8.32 more per base acre, but the gap is within the normal swing; either is a defensible choice (expected $20.69 PLC vs $12.38 ARC-CO per base acre; PLC paid more in 4 of 10 past-year scenarios, ARC-CO in 2).
PLC pays on any season-average price below $6.35, up to $90.09 per base acre at the $3.72 loan rate, so it protects against a deep price drop. ARC-CO is capped at $38.47 per base acre but also pays when the county’s yield is short; it paid something in 4 of the 10 past-year scenarios. With prices centered at $6.30, PLC is expected to pay $20.69 and ARC-CO $12.38 per base acre.
2027: Leans PLC: expected about $8.32 more per base acre, but the gap is within the normal swing; either is a defensible choice (expected $20.69 PLC vs $12.38 ARC-CO per base acre; PLC paid more in 4 of 10 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 40.3 bu (program year 2025) and the official 54.04 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: 40.3 bu (FSA, program year 2025). Your farm’s own is on the FSA-156EZ.
All practices: official 2026 ARC-CO benchmark
FSA trend-adjusted county yields (county yield or 80% of T-yield): 2020: 51.65 · 2021: 46.93 · 2022: 63.55 · 2023: 70.79 · 2024: 40.59 (struck: high and low). Middle three average: 54.04 bu.
At a season-average price equal to the 2026 effective reference price ($6.35), PLC pays nothing and ARC-CO pays when the county yield comes in below 53.5 bu, reaching its cap below 46.3 bu.
PLC vs ARC-CO break-even at a 54.04 bu county yield, 2026 prices
| PLC yield, % of your official benchmark | Which pays more, by season-average price |
|---|---|
| 60% 32.4 bu | PLC: $4.95 or lower ARC-CO: $4.96 to $6.17 |
| 70% 37.8 bu | PLC: $5.15 or lower ARC-CO: $5.16 to $6.12 |
| 80% 43.2 bu | PLC: $5.30 or lower ARC-CO: $5.31 to $6.00 |
| 90% 48.6 bu | PLC: $5.41 or lower ARC-CO: $5.42 to $5.66 |
| 100% 54.0 bu | PLC: $6.34 or lower ARC-CO: never |
FSA history, all practices
| Year | Benchmark | Price | County yield | ARC-CO $/ac |
|---|---|---|---|---|
| 2021 | 54.80 | $5.50 | 44.83 | none |
| 2022 | 47.96 | $5.50 | 61.87 | 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.
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.
An estimate, not a USDA determination. Source: FSA ARC/PLC program data. Find your county office.
Printed from https://agsist.com/arc-plc/minnesota/cottonwood-county