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Fort Smith city, AR

ZIP 72903 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 72903

Median Home Value
$216,200
Median Rent
$659
Affordability Snapshot
$60,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,389/mo PITI).

13%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.6x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

27.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 72903 in Fort Smith city, AR, a household would need roughly $60,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,389. That is roughly in line with the local median household income ($60,186). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
53.6%-18% vs US avg
x
Vacancy Rate
6.8%-34% vs US avg
x
Broadband Access
84.3%-3% vs US avg
x
4+ Bedrooms
3.2%-78% vs US avg
x
Built Pre-1939
1.8%-86% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
17.3%-65% vs US avg
x
Mortgage-Free
39.6%+4% vs US avg
x
$216,200
Home Value
$659
Rent
1979
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached58.7%
  • 1-unit attached3.8%
  • 2-9 units20.6%
  • 10+ units16.5%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$216,200
Median rent$659
Owner-occupied53.6%
Vacant6.8%
Price-to-income3.6x
Est. income to buy$60,000