Safe Rate Local
Learn about the people, housing, costs and businesses in Fort Smith, Arkansas
Real local data across mortgage, insurance, natural hazard, and place.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Fort Smith.
True all-in cost — P&I, taxes, insurance & utilities for homes in Fort Smith.
Find and compare lenders active near Fort Smith.
FEMA flood zones and flood insurance estimates for Fort Smith.
Seismic risk and earthquake insurance estimates for Fort Smith.
Wildfire exposure and insurance estimates for Fort Smith.
As of today, the 30-year fixed mortgage rate for Fort Smith is approximately 6.995% (7.043% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Fort SmithThe median home value in Fort Smith is $177k. The median monthly rent is $861. Annual property taxes average $1k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Fort Smith have increased 18.0% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $885/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $38k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Fort Smith is $59k/year.
Calculate your buying powerThe largest employment sectors in Fort Smith are public administration (22%) and retail (18%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.