Fort Smith, AR-OK: 2-bedroom payment standards across 33 ZIP codes
HUD's FY2026 Small Area Fair Market Rents for Fort Smith, AR-OK MSA range from $940 to $1,180 for a 2-bedroom. The 90th-percentile ZIP code runs 1.10× the 10th — a gap of $94 a month — which ranks 243th widest of the 247 HUD metro areas we compare.
median 2-bedroom SAFMR across the area's 33 ZIP codes. Where a housing authority sets a single metro-wide standard, it could reach $1,034 at 110%.
monthly gap between the 90th- and 10th-percentile ZIP code ($940 to $1,034).
of the area's ZIP codes (4 of 33) sit above $1,034 — 110% of the area median.
Highest-rent ZIP codes in Fort Smith, AR-OK
Every ZIP code, ranked
The payment-standard column is HUD's published 90–110% band for that ZIP code — the range a housing authority may adopt without HUD approval. Your PHA sets the exact figure. The final column compares each ZIP to the area median; ZIP codes marked above 110% exceed 110% of that median — where a housing authority sets a single area-wide standard, those sit above the highest ceiling basic policy reaches.
| # | ZIP code | 2 BR SAFMR ▾ | Payment standard (90–110%) | vs area median |
|---|---|---|---|---|
| 1 | 72916 | $1,180 | $1,062–$1,298 | above 110% |
| 2 | 72923 | $1,070 | $963–$1,177 | above 110% |
| 3 | 72945 | $1,050 | $945–$1,155 | above 110% |
| 4 | 72932 | $1,040 | $936–$1,144 | above 110% |
| 5 | 72948 | $1,010 | $909–$1,111 | 107% |
| 6 | 72908 | $980 | $882–$1,078 | 104% |
| 7 | 72952 | $970 | $873–$1,067 | 103% |
| 8 | 72955 | $970 | $873–$1,067 | 103% |
| 9 | 74955 | $970 | $873–$1,067 | 103% |
| 10 | 72921 | $960 | $864–$1,056 | 102% |
| 11 | 72936 | $950 | $855–$1,045 | 101% |
| 12 | 72901 | $940 | $846–$1,034 | 100% |
| 13 | 72902 | $940 | $846–$1,034 | 100% |
| 14 | 72903 | $940 | $846–$1,034 | 100% |
| 15 | 72904 | $940 | $846–$1,034 | 100% |
| 16 | 72905 | $940 | $846–$1,034 | 100% |
| 17 | 72906 | $940 | $846–$1,034 | 100% |
| 18 | 72913 | $940 | $846–$1,034 | 100% |
| 19 | 72914 | $940 | $846–$1,034 | 100% |
| 20 | 72917 | $940 | $846–$1,034 | 100% |
| 21 | 72918 | $940 | $846–$1,034 | 100% |
| 22 | 72934 | $940 | $846–$1,034 | 100% |
| 23 | 72935 | $940 | $846–$1,034 | 100% |
| 24 | 72937 | $940 | $846–$1,034 | 100% |
| 25 | 72938 | $940 | $846–$1,034 | 100% |
| 26 | 72940 | $940 | $846–$1,034 | 100% |
| 27 | 72941 | $940 | $846–$1,034 | 100% |
| 28 | 72956 | $940 | $846–$1,034 | 100% |
| 29 | 72957 | $940 | $846–$1,034 | 100% |
| 30 | 74936 | $940 | $846–$1,034 | 100% |
| 31 | 74945 | $940 | $846–$1,034 | 100% |
| 32 | 74946 | $940 | $846–$1,034 | 100% |
| 33 | 74954 | $940 | $846–$1,034 | 100% |
How Fort Smith, AR-OK compares
Its internal spread of 1.10× (p90 ÷ p10) ranks 243 of 247 HUD metro FMR areas, against a median of 1.37× and a national high of 1.77×. On the steadier p75 ÷ p25 measure it is 1.03×. Note that this area's 90th or 10th percentile lands exactly on its highest or lowest ZIP code, so a single ZIP is carrying the p90/p10 figure — the p75/p25 measure is the better read here. See the full ranking and how it was measured →
A note on what this does not mean: a higher payment standard does not increase the assistance a household receives. It raises the ceiling on the rent a voucher can cover, while the household still pays roughly 30% of adjusted income. Figures are ZIP-weighted, not renter-weighted, and rest on 2019–2023 American Community Survey data trended forward.