Is Fort Smith One of the Best Places to Retire in Arkansas?

Fort Smith is considered one of the best places to retire in Arkansas, offering affordable living, rich history, scenic beauty, and a welcoming small-town atmosphere.

Thinking about where to spend your golden years surrounded by warmth, history, and southern charm?

Fort Smith, Arkansas, blends affordability with scenic beauty, offering retirees a peaceful yet engaging lifestyle along the Arkansas River. With friendly neighborhoods, low cost of living, excellent healthcare, and plenty of outdoor recreation, it's no wonder many retirees are choosing Fort Smith as their forever home.

Ready to explore what makes Fort Smith ideal for retirement? Start planning your next chapter in this welcoming Arkansas gem today.

What Makes Fort Smith One of the Best Places to Retire in Arkansas

Retirement in Fort Smith isn't just about slowing down; it's about enjoying life in a city that blends comfort, history, and community spirit. From outdoor recreation to strong community ties, Fort Smith offers numerous senior lifestyle benefits that enhance daily living.

Scenic and Relaxed Setting

Fort Smith's location along the Arkansas River offers retirees a peaceful environment with beautiful river views, mild weather, and plenty of sunshine. Its parks, trails, and nearby mountains provide endless opportunities for outdoor recreation, from leisurely walks to fishing and golfing.

Accessible Healthcare

Quality healthcare is a cornerstone of Fort Smith's appeal.

The city is home to reputable medical centers, specialty clinics, and wellness programs designed to support seniors in maintaining healthy, active lives. For example, Mercy Hospital Fort Smith is a 336-bed acute-care facility that has been serving the region for over 160 years and offers a full spectrum of services.

With quality medical facilities and safe neighborhoods, aging in place in AR is easy for retirees who value independence and continuity.

Rich History and Culture

As one of Arkansas's oldest cities, Fort Smith is steeped in frontier history and charm. Retirees can explore the Fort Smith National Historic Site, stroll through the downtown murals, or attend performances at local theaters and music venues that celebrate the city's creative spirit.

Engaging Community and Lifestyle

Fort Smith living offers the perfect balance between small-town comfort and modern convenience, creating a relaxed pace ideal for retirees. Seniors enjoy access to clubs, volunteer programs, and community events that foster meaningful connections and a strong sense of belonging.

How Does the Cost of Living in Fort Smith Compare to Other Retirement Cities in Arkansas?

Fort Smith is notably affordable for retirees. As per Best Places, its overall cost of living score is 76.6, meaning it is roughly 23.4% lower than the U.S. average. Housing in Fort Smith is especially economical, with monthly costs for a single person about $820, and housing running approximately 31.7% below the national average (2025 data)

Fayetteville's cost-of-living index sits at about 89.8, meaning it is about 10% less affordable than Fort Smith in broad terms, and about 5% below the national average overall, with housing about 13% cheaper than the U.S. average.

Hot Springs is among the most budget-friendly cities in Arkansas for retirement cost-of-living. Its overall cost index is around 77.5 -- about 22.5% below the U.S. average, and housing costs are significantly lower still.

Among the many Arkansas retirement cities, Fort Smith offers a strong value proposition for retirees on a fixed income. It is noticeably cheaper than Fayetteville, and only slightly less affordable than Hot Springs, making it a competitive option among Arkansas retirement destinations.

Are There Tax Benefits or Financial Incentives for Retirees Living in Arkansas (and Specifically in Fort Smith)?

Retiring in Fort Smith comes with meaningful financial advantages that help seniors make the most of their income and savings. Here are some of the key benefits:

• Social Security benefits are fully exempt from the Arkansas state income tax.
• Up to $6,000 of retirement income (pensions, 401(k)s, IRAs) is excluded from taxation for individuals aged 59½ and older.
• Military retirement pay is entirely tax-free.
• Homeowners aged 65+ (or permanently disabled) can freeze the assessed value of their primary residence, preventing tax increases from rising property values.
• The Homestead Tax Credit provides up to $500 per year in property tax relief.

These benefits make Fort Smith a financially appealing and retirement-friendly destination for seniors across Arkansas.

Safety, Crime, and Neighborhood Quality for Seniors in Fort Smith

In Fort Smith, safety typically varies by neighborhood. Southern and suburban areas are generally considered safer, while certain parts of the city's northwest and east sides report more incidents.

Many seniors in Fort Smith opt for assisted or independent living communities that offer secure environments, emergency systems, and a close-knit sense of community. These communities, combined with the city's friendly residents and accessible healthcare, help create a safer, more supportive atmosphere for older adults who want both comfort and peace of mind in their retirement.

Frequently Asked Questions

Is Fort Smith a Walkable City for Seniors?

While downtown Fort Smith and certain residential neighborhoods are pedestrian-friendly, many retirees prefer using a car for convenience. However, the city offers well-maintained sidewalks, parks, and walking trails perfect for daily exercise.

What Are Some Popular Activities for Retirees in Fort Smith?

Seniors enjoy exploring the Fort Smith National Historic Site, visiting the Clayton House Museum, attending local concerts, or strolling along the Greg Smith River Trail. Numerous volunteer and social clubs promote active, community-based living.

How Active Is the Senior Community in Fort Smith?

The senior community in Fort Smith is vibrant and engaged, with activity centers, church groups, and civic organizations hosting regular social gatherings, fitness classes, and volunteer opportunities.

What Type of Community Events Can Seniors Enjoy in Fort Smith?

Fort Smith hosts numerous festivals, farmers' markets, and cultural celebrations throughout the year, such as the Old Fort Days Rodeo, Fort Smith Riverfront Blues Festival, and seasonal art walks downtown.

Fort Smith Shines Among the Best Places to Retire in Arkansas

When it comes to the best places to retire in Arkansas, Fort Smith consistently ranks high for its blend of affordability, scenic beauty, and strong community spirit. It delivers a classic southern retirement.

For those seeking a worry-free retirement lifestyle, Morada Fort Smith provides the perfect solution. This welcoming community features chef-prepared dining, engaging social activities, wellness programs, and comfortable accommodations designed for active seniors.

Come explore Morada Fort Smith to discover how we help seniors make the most of retirement.