ZIP Code 72904 — Fort Smith, AR Home Prices (2026)
The typical home in ZIP 72904 (Fort Smith, Arkansas) is worth about $117,000 at roughly $107 per square foot — 50% more affordable than the Fort Smith median and 60% more affordable than the typical U.S. home.
How 72904 compares
ZIP 72904 is one of the more affordable ZIP codes in Fort Smith: its typical home value of $117,000 ranks #5 of the 5 Fort Smith ZIP codes we track (the citywide range runs from $117,000 in 72904 to $324,000 in 72916). Per square foot it costs about $107, against $135 for Fort Smith as a whole, $145 for Arkansas, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 72904 | $117,000 | $107 |
| Fort Smith, AR | $232,000 | $135 |
| Arkansas | $215,000 | $145 |
| United States | $294,000 | $195 |
Home value by size in 72904
Using this ZIP’s rate of about $107 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $107,000 |
| 1,500 sq ft | $160,500 |
| 2,000 sq ft | $214,000 |
| 2,500 sq ft | $267,500 |
| 3,000 sq ft | $321,000 |
Salary needed to buy a home in ZIP 72904
To buy the typical $117,000 home in ZIP 72904 with 20% down, you need a household income of roughly $32,000 a year (about $740 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $38,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $5,900 | $920/mo | $40,000/yr |
| 10% (+PMI) | $11,700 | $880/mo | $38,000/yr |
| 20% | $23,400 | $740/mo | $32,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 72904
At about $107 per square foot, here is roughly how much home different budgets get you in ZIP 72904:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1400 sq ft | around the typical home here |
| $200k | 1870 sq ft | above the median — larger homes or the pricier ZIPs |
| $250k | 2340 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 2800 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 72904 home.
Estimate a specific home in 72904
The estimator below is pre-set to ZIP 72904 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Fort Smith ZIP codes by home value
Where 72904 sits among Fort Smith’s 5 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 72916 | $324,000 | $201 |
| 2 | 72903 | $242,000 | $139 |
| 3 | 72908 | $232,000 | $135 |
| 4 | 72901 | $139,000 | $110 |
| 5 | 72904 (this page) | $117,000 | $107 |
ZIP 72904 home prices: frequently asked
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See the full Fort Smith home values page, all Arkansas cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.