Durham vs Fort Smith
Cost of Living Comparison · 2026
Durham
Fort Smith
The Verdict
The cost gap between these cities is 31.2%, with Fort Smith being the more affordable option. A $75,000 income in Durham has equivalent purchasing power to $57,178 in Fort Smith.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Durham has the same purchasing power as $57,178 in Fort Smith.
Conversely, $75,000 in Fort Smith equals $98,377 in Durham.
Living in Durham vs Fort Smith
Housing Costs
Durham's housing index of 104 is higher Fort Smith's 49, translating to median home prices of $340,000 vs $155,000. The $185,000 difference in home prices means roughly $12,024 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,400/mo in Durham compared to $775/mo in Fort Smith, a monthly difference of $625.
Grocery & Food Costs
Grocery expenses index at 100 in Durham and 92 in Fort Smith. A household spending the national average of $475/month on groceries would pay approximately $475/month in Durham vs $437/month in Fort Smith. Fort Smith offers a meaningful advantage on everyday food costs, saving roughly $456/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 93 in Durham and 95 in Fort Smith. Monthly utility bills average approximately $372 in Durham vs $380 in Fort Smith. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 108 in Durham and 88 in Fort Smith. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 20-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $57,738 in Durham and $45,200 in Fort Smith. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $57,166 and $58,701 respectively. Fort Smith residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,347/month to housing in Durham vs $1,055/month in Fort Smith. In Durham, median rent of $1,400/mo exceeds this threshold, suggesting renters may feel stretched. In Fort Smith, median rent of $775/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 55 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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