HomeArkansasSebastian CountyFort Smith
Fort Smith, Arkansas: commercial real estate data.
Fort Smith is a Census city of 89,805 people across 64.19 square miles of land, in Sebastian County. Median household income is $54,816, 53.4 percent of occupied homes are owned, and the SBA record carries 66 7(a) approvals to borrowers here worth $49.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Fort Smith
What Fort Smith is
- Census place typecity
- Land area64.19 sq mi
- Water area4.24 sq mi
- Population per square mile of land1,399
- County holding the largest share of its areaSebastian County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fort Smith
How many people live in Fort Smith
- Population89,805
- Median age36.5
- Population under 1821,353
- Share under 1823.8 percent
- Population 65 and over14,381
- Share 65 and over16.0 percent
- Households36,775
- Family households22,820
- Share of households that are families62.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fort Smith
Income and work in Fort Smith
- Median household income$54,816
- Per capita income$34,413
- Civilian labor force43,931
- Employed41,059
- Unemployed2,872
- Unemployment rate6.5 percent
- Adults 25 and over60,043
- Adults 25 and over with a high school diploma or higher83.7 percent
- Adults 25 and over with a bachelor degree or higher23.9 percent
- Adults 25 and over with a graduate degree9.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fort Smith
Housing in Fort Smith
- Housing units40,475
- Occupied units36,775
- Vacant units3,700
- Vacancy rate9.1 percent
- Owner occupied19,624
- Renter occupied17,151
- Ownership rate53.4 percent
- Median owner-occupied home value$178,100
- Median gross rent, monthly$884
- Annual rent as a share of median income19.4 percent
- Single family units28,180
- Share single family69.6 percent
- Units in buildings of two or more12,115
- Share in buildings of two or more29.9 percent
- Mobile homes180 plus or minus 117
- Median year structure built1977
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fort Smith
How Fort Smith gets to work
- Workers 16 and over who commute37,513
- Commuting under 15 minutes17,681
- Share commuting under 15 minutes47.1 percent
- Commuting 30 minutes or more4,256
- Share commuting 30 minutes or more11.3 percent
- Drove alone77.4 percent
- Carpooled11.5 percent
- Public transport0.1 percent plus or minus 0.1
- Walked1.2 percent plus or minus 0.5
- Worked from home7.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Fort Smith
SBA loans in Fort Smith (7(a))
- Approvals66
- Gross approval$49,213,600
- Average approval$745,661
- Median approval$235,500
- Ninetieth percentile approval$2,450,000
- Largest approval$4,000,000
- Jobs supported747
- Jobs per approval11.3
- Loans with a final outcome8
- Paid in full8
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more19.7 percent
- Share to franchises21.2 percent
- Distinct lenders29
- Distinct industries by NAICS42
Counted by borrower city: approvals to borrowers whose address is in Fort Smith, in any county, FY2020 to FY2026. Only 8 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Fort Smith
SBA loans in Fort Smith (504)
- Approvals8
- Gross approval$8,884,000
- Average approval$1,110,500
- Median approval$861,500
- Largest approval$2,662,000
- Jobs supported72
- Loans with a final outcome1
- Charged off1
- Median term300 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Fort Smith, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Fort Smith
Flood risk in Fort Smith
- NFIP communityCity of Fort Smith
- NFIP community number055013
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date03/02/12
The City of Fort Smith participates in the National Flood Insurance Program as community 055013 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Sebastian County, not Fort Smith
Sebastian County context, not Fort Smith figures
- Establishments in Sebastian County3,398
- Covered employment, Sebastian County67,665
- Average annual pay, Sebastian County$55,173
- Housing units permitted, Sebastian County385
Every figure in this section is published for Sebastian County as a whole and is not a measurement of Fort Smith.
All Sebastian County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Fort Smith questions, answered from the record.
How many people live in Fort Smith, Arkansas?
89,805, in 36,775 households. Fort Smith city covers 64.19 square miles of land, which is 1,399 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Fort Smith in?
Sebastian County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Fort Smith?
$54,816. The median owner-occupied home is valued at $178,100. Median gross rent is $884 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Fort Smith businesses?
66 7(a) approvals totaling $49.2 m since FY2020, across 29 lenders, median approval $235,500, plus 8 504 approvals worth $8.9 m since FY2010. These count approvals to borrowers whose address is in Fort Smith, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Fort Smith borrowers get paid back?
No rate is published for Fort Smith. Only 8 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Fort Smith in the National Flood Insurance Program?
Yes. Fort Smith appears in the FEMA Community Status Book as Fort Smith, city of, community 055013, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Fort Smith figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Sebastian County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Fort Smith.
Is zoning published for Fort Smith?
No. Nothing on this page presents parcel level zoning.
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