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Fort Smith city, AR

ZIP 72916 — 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 72916

Median Home Value
$257,100
Median Rent
$1,021
Affordability Snapshot
$71,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,652/mo PITI).

14%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.0 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 72916 in Fort Smith city, AR, a household would need roughly $71,000 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 $1,652. That sits below the local median household income ($88,125), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
71.1%+9% vs US avg
x
Vacancy Rate
6.7%-35% vs US avg
x
Broadband Access
89.5%+3% vs US avg
x
4+ Bedrooms
3.6%-76% vs US avg
x
Built Pre-1939
0.2%-98% vs US avg
x
Built Post-2014
1.9%-72% vs US avg
x
Rent Burden >30%
10.5%-79% vs US avg
x
Mortgage-Free
41.0%+7% vs US avg
x
$257,100
Home Value
$1,021
Rent
2004
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached78.8%
  • 1-unit attached3.8%
  • 2-9 units8.2%
  • 10+ units6.3%
  • Mobile home & other2.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$257,100
Median rent$1,021
Owner-occupied71.1%
Vacant6.7%
Price-to-income2.9x
Est. income to buy$71,000