Fort Smith vs Nashville
Cost of Living Comparison · 2026
Fort Smith
Nashville
The Verdict
Fort Smith is 24.5% less expensive than Nashville overall. A household earning $75,000 in Fort Smith would need approximately $99,351 in Nashville to maintain the same standard of living.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Fort Smith has the same purchasing power as $99,351 in Nashville.
Conversely, $75,000 in Nashville equals $56,618 in Fort Smith.
Living in Fort Smith vs Nashville
Housing Costs
Fort Smith's housing index of 49 is lower Nashville's 108, translating to median home prices of $155,000 vs $380,000. The $225,000 difference in home prices means roughly $14,628 per year in additional mortgage costs at current rates. Renters face a similar gap: $775/mo in Fort Smith compared to $1,600/mo in Nashville, a monthly difference of $825.
Grocery & Food Costs
Grocery expenses index at 92 in Fort Smith and 96 in Nashville. A household spending the national average of $475/month on groceries would pay approximately $437/month in Fort Smith vs $456/month in Nashville. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 95 in Fort Smith and 92 in Nashville. Monthly utility bills average approximately $380 in Fort Smith vs $368 in Nashville. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 88 in Fort Smith and 98 in Nashville. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 10-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $45,200 in Fort Smith and $59,828 in Nashville. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $58,701 and $58,655 respectively. Fort Smith residents enjoy stronger real purchasing power despite lower nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,055/month to housing in Fort Smith vs $1,396/month in Nashville. In Fort Smith, median rent of $775/mo fits within this budget. In Nashville, median rent of $1,600/mo pushes past the recommended limit. The biggest category-level difference between these two cities is Housing, where the gap is 59 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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