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Fort Smith, AR-OK

Cost of living in Sebastian County, AR

Part of the Fort Smith Metro Area

Estimated monthly cost
$2,553/mo
for a single person, all categories combined

Population 128,448 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $694 27%
Healthcare $480 19%
Federal tax $424 17%
Transport $320 13%
Groceries $303 12%
Energy $192 8%
State tax $85 3%
Water $55 2%

Rent in Sebastian County

Fair Market Rents by bedroom count.

Studio
$689
per month
1 bedroom
$694
per month
2 bedroom
$910
per month
3 bedroom
$1,236
per month
4 bedroom
$1,496
per month

Source: HUD FMR FY2025

Income and earnings in Sebastian County

Annual earnings figures from the Census ACS.

Household income
$56,450
per year
Individual earnings
$36,016
per year
Per capita
$34,275
per year

Source: ACS 2019-2023 5-Year.

Home values in Sebastian County

Average values reported by homeowners.

Average home value
$166,000
Annual property tax
$1,081

Source: ACS 2019-2023 5-Year

Energy costs in Sebastian County

Estimated monthly electricity and gas costs.

Electricity
$148
per month · 13.5¢/kWh
Natural gas
$44
per month
Annual total
$2,304
per year

Source: EIA

Healthcare in Sebastian County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
10.5%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Sebastian County

State and local tax rates for Arkansas.

State income tax
3.9%
Top marginal rate
State sales tax
6.5%
Combined sales tax
9.5%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Sebastian County

Commute patterns and estimated costs.

Average commute
19.8 min
Drive alone
79.1%
Public transit
0.1%
Work from home
7.1%

Source: ACS

Monthly cost estimates for Sebastian County

What it costs to live in Sebastian County each month.

Single person
$2,553
per month
  • Rent $694
  • Energy $192
  • Water $55
  • Groceries $303
  • Transport $320
  • Healthcare $480
  • Federal tax $424
  • State tax $85
Couple
$3,736
per month
  • Rent $910
  • Energy $230
  • Water $65
  • Groceries $502
  • Transport $420
  • Healthcare $864
  • Federal tax $594
  • State tax $151
Family
$6,176
per month
  • Rent $1,236
  • Energy $288
  • Water $75
  • Groceries $762
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $594
  • State tax $151

Frequently asked questions about Sebastian County

Common questions about cost of living, rent and salary.

What is the average rent in Sebastian County?

In Sebastian County, AR, a one-bedroom apartment averages $694 per month, a two-bedroom averages $910 per month, a three-bedroom averages $1,236 per month, according to HUD Fair Market Rent data.

What is the average salary in Sebastian County?

In Sebastian County, AR, the average household income is $56,450 per year and individual earnings for full-time workers average $36,016 per year, according to U.S. Census Bureau data.

What is the cost of living in Sebastian County?

The estimated cost of living in Sebastian County, AR is approximately $2,553 per month for a single person, $3,736 for a couple, $6,176 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Sebastian County?

The combined sales tax rate in Sebastian County, AR is 9.47%, which includes the Arkansas state rate of 6.50% plus an average local rate of 2.97%.

Is Sebastian County an affordable place to live?

Based on the data, a single person in Sebastian County, AR would need approximately $2,553 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $56,450 per year ($4,704 per month). Sebastian County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Sebastian County?

The ACA marketplace benchmark premium in Sebastian County, AR is approximately $480 per month for an individual. Approximately 10.5% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Sebastian County?

The average home value in Sebastian County, AR is $166,000, with average annual property taxes of $1,081, according to U.S. Census Bureau data.

How does Sebastian County compare to other areas?

You can compare Sebastian County, AR with any other US county using our comparison tool at /compare. Sebastian County is in the Fort Smith, AR-OK metro area.

Other counties in Arkansas

Browse the full list of counties in Arkansas, ranked by cost of living.

See all counties in Arkansas

Compare Sebastian County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources