Carmel IN vs Fort Smith AR — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Carmel, IN
Indiana · Population: 100,501
- Median HH Income$134,602
- Median Home Price$570,592
- Unemployment2.7%
- Bachelor's+74.5%
Fort Smith, AR
Arkansas · Population: 89,496
- Median HH Income$52,692
- Median Home Price$195,664
- Unemployment6.7%
- Bachelor's+25.3%
Detailed Comparison
Demographics
Population
Carmel
100,501
Carmel +
Fort Smith
89,496
Pop. Density / sq mi
Lower = more space
Carmel
N/A
Fort Smith
N/A
Median Age
Carmel
40.5
Fort Smith
36.6
Fort Smith +
Foreign Born
Carmel
12.9%
Carmel +
Fort Smith
11.7%
White
Carmel
77.5%
Carmel +
Fort Smith
61.2%
Black
Carmel
3.7%
Fort Smith
7.7%
Fort Smith +
Asian
Carmel
11.6%
Carmel +
Fort Smith
5.7%
Hispanic
Carmel
5.0%
Fort Smith
20.0%
Fort Smith +
Spanish at Home
Carmel
N/A
Fort Smith
N/A
| Metric | Carmel, IN | Fort Smith, AR | Better |
|---|---|---|---|
| Population | 100,501 | 89,496 | Carmel + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 40.5 | 36.6 | Fort Smith + |
| Foreign Born | 12.9% | 11.7% | Carmel + |
| White | 77.5% | 61.2% | Carmel + |
| Black | 3.7% | 7.7% | Fort Smith + |
| Asian | 11.6% | 5.7% | Carmel + |
| Hispanic | 5.0% | 20.0% | Fort Smith + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Carmel
$134,602
Carmel +
Fort Smith
$52,692
Per Capita Income
Carmel
$71,546
Carmel +
Fort Smith
$33,991
Per Capita Personal Income (MSA)
BEA MSA-level
Carmel
$58,697
Carmel +
Fort Smith
$53,714
Unemployment Rate
Carmel
2.7%
Carmel +
Fort Smith
6.7%
Poverty Rate
Carmel
3.7%
Carmel +
Fort Smith
18.3%
Bachelor's Degree+
Carmel
74.5%
Carmel +
Fort Smith
25.3%
| Metric | Carmel, IN | Fort Smith, AR | Better |
|---|---|---|---|
| Median HH Income | $134,602 | $52,692 | Carmel + |
| Per Capita Income | $71,546 | $33,991 | Carmel + |
| Per Capita Personal Income (MSA)BEA MSA-level | $58,697 | $53,714 | Carmel + |
| Unemployment Rate | 2.7% | 6.7% | Carmel + |
| Poverty Rate | 3.7% | 18.3% | Carmel + |
| Bachelor's Degree+ | 74.5% | 25.3% | Carmel + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Carmel
$570,592
Fort Smith
$195,664
Fort Smith +
Homeownership Rate
Carmel
74.6%
Carmel +
Fort Smith
53.0%
| Metric | Carmel, IN | Fort Smith, AR | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $570,592 | $195,664 | Fort Smith + |
| Homeownership Rate | 74.6% | 53.0% | Carmel + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Carmel
370
Carmel +
Fort Smith
660
Property Crime / 100K
FBI CDE (state-level est.)
Carmel
1719
Carmel +
Fort Smith
2507
| Metric | Carmel, IN | Fort Smith, AR | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 370 | 660 | Carmel + |
| Property Crime / 100KFBI CDE (state-level est.) | 1719 | 2507 | Carmel + |
Health
Obesity Rate
CDC PLACES
Carmel
30.8%
Carmel +
Fort Smith
37.0%
Diabetes Rate
CDC PLACES
Carmel
9.6%
Carmel +
Fort Smith
13.8%
Poor Mental Health
CDC PLACES — 14+ days/month
Carmel
12.5%
Carmel +
Fort Smith
19.7%
No Health Insurance
CDC PLACES
Carmel
4.4%
Carmel +
Fort Smith
15.3%
Binge Drinking
CDC PLACES
Carmel
16.2%
Fort Smith
13.5%
Fort Smith +
Current Smokers
CDC PLACES
Carmel
8.2%
Carmel +
Fort Smith
17.2%
| Metric | Carmel, IN | Fort Smith, AR | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 30.8% | 37.0% | Carmel + |
| Diabetes RateCDC PLACES | 9.6% | 13.8% | Carmel + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 12.5% | 19.7% | Carmel + |
| No Health InsuranceCDC PLACES | 4.4% | 15.3% | Carmel + |
| Binge DrinkingCDC PLACES | 16.2% | 13.5% | Fort Smith + |
| Current SmokersCDC PLACES | 8.2% | 17.2% | Carmel + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Carmel
51.6°F
Carmel +
Fort Smith
61.7°F
Annual Precipitation
NOAA 1991–2020 normal
Carmel
42.2 in
Carmel +
Fort Smith
45.5 in
| Metric | Carmel, IN | Fort Smith, AR | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 51.6°F | 61.7°F | Carmel + |
| Annual PrecipitationNOAA 1991–2020 normal | 42.2 in | 45.5 in | Carmel + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Carmel
10.1 µg/m³
Fort Smith
9.5 µg/m³
Fort Smith +
Good Air Days
AQI ≤ 50
Carmel
55.0%
Fort Smith
55.0%
Tie
| Metric | Carmel, IN | Fort Smith, AR | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 10.1 µg/m³ | 9.5 µg/m³ | Fort Smith + |
| Good Air DaysAQI ≤ 50 | 55.0% | 55.0% | Tie |
Commute
Mean Commute Time
Census ACS
Carmel
26.4 min
Fort Smith
18.7 min
Fort Smith +
| Metric | Carmel, IN | Fort Smith, AR | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 26.4 min | 18.7 min | Fort Smith + |
Which City is Right for You?
Carmel leads in median household income at $134,602, while fort Smith offers more affordable housing with a median home price of $195,664. On public safety, Carmel is safer with a violent crime rate of 370 per 100,000 residents, compared to 660 in Fort Smith. Carmel has a lower unemployment rate at 2.7%, and Fort Smith has cleaner air (PM2.5 avg 9.5 µg/m³). For overall health outcomes, Carmel scores better with a lower obesity rate of 30.8%.
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