Ozark, Arkansas.
Typical home $169,599 (+4.9% in a year). Fort Smith, AR-OK metro.
to buy the typical home at today's mortgage rate — +$468 (+111%) since Jan 2020.
- 1 year
- Up $7,983 +5%
- $161,616$169,599 since Sep 2025
- 5 years
- Up $29,362 +21%
- $140,237$169,599 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Ozark$890
- Arkansas$1,177
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 18 years.
Typical home values in Ozark, AR rose 4.9% over the past year — faster than the nation's +1.2%.
Living in Ozark, Franklin County, Arkansas
Ozark is a city of 3,542 people in Franklin County. Half its households earn more than $47,686 a year and half less, against $55,886 across Franklin County; 18% of its people live below the poverty line. Unemployment in Franklin County was 3.9% in August 2026, and the county had 1.0% fewer jobs in 2025 than the year before. The most people in Franklin County work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Ozark is a small city in Franklin County, Arkansas, and it is the kind of place where people tend to know one another. Household incomes run below the county's, and a good share of residents live below the poverty line. Homes are modest in price, and few adults hold a four-year degree. Winters are cool and often cold, summers are hot, and a fair amount of rain and melted snow falls over the year.
Work. Most residents work in schools, hospitals and social care, followed by manufacturing, shops, and transport, warehouses and utilities. The largest workplaces in Ozark include the Ozark School District, ABB Motors and Mechanical, and Arkansas Valley Electric Cooperative. Commutes are short, and very few people work from home. Across Franklin County, unemployment has eased a little from a year earlier, though the number of jobs has slipped slightly.
Things to do. The countryside around Ozark is rich in water and woods, though each of these places is a longer drive away. The White River is one of the better known rivers in the area, and Lake Fort Smith State Park and Devil's Den State Park are protected areas for walking, camping and time outdoors. For an evening indoors, the King Opera House is a theatre, also a longer drive away.
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- 1,549households
- 10%of adults have a degree
- 18%below the poverty line
- 16 mintypical commute
- 2%work from home
What people in Franklin County work in
Employed residents by industry, from the Census survey. Franklin County had 4,924 jobs in 2025, 1.0% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 48° and lows near 28°; warmest in July, with highs near 92° and lows near 70°. About 52 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Ozark weather station, a mile away (NOAA).
Largest workplaces in Ozark
- Ozark School DistrictSchool district286FTE
- ABB Motors and MechanicalMotors, electric, manufacturing233
- Arkansas Valley Electric CooperativeDistribution of electric power180
- Harp's Food StoreRetail grocery98
- WalmartDiscount department stores78
- Forest ServiceFederal government · Department of Agriculture60
- Mercy Hospital OzarkCritical access hospital58FTE
- Veterans Health AdministrationFederal government · Department of Veterans Affairs38
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 6 workplaces with 20 or more staff, 676 people in all. School districts come from the Common Core of Data (NCES, 2023–24), federal offices from OPM's federal workforce data (2026) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Ice stormsVery high
- Heat wavesRelatively high
- LightningRelatively high
- Winter weatherRelatively high
- TornadoesRelatively high
- Inland floodingRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Ozark’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Franklin County and the Fort Smith, AR-OK metro.
Ozark home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Ozark$169,599
- Arkansas$224,158
- United States$366,157
Sellers are cutting prices on about 1 in 4 Ozark listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Ozark25.05%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Ozark57
New listings per month
Sellers arriving at the market.
- Ozark10
Zip codes with a Ozark address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Ozark — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.