Cost of Living in Oklahoma

By Kenny Zhu

(Last Updated – 04/2025)

In Oklahoma, is it true that the wind often comes sweepin’ down the plains? Surely. Another thing that’s true: Oklahoma is one of the most affordable states in the country.

The state has gorgeous landscapes, between the sprawling prairies of the Wichita Mountains Wildlife Refuge to the flowing creeks of the Chickasaw National Recreation Area. There are plenty of state parks and wildlife refuges to explore.

Just over 4 million “Okies” call Oklahoma home; It also happens to be home to the second-highest proportion of Native Americans in the country, and nearly half of the state is considered an Indian reservation.

If you’re considering moving to the Sooner State, you’ll want to know the cost of living in Oklahoma.

What’s the Average Cost of Living in Oklahoma?

Average Cost of Living in Oklahoma: $44,398 per year

Oklahoma has the second-lowest cost of living in the United States, behind only West Virginia, according to MERIC’s 2024 Cost of Living Index.

The Bureau of Economic Analysis’ Personal Consumption Expenditures data shows that the average cost of living in Oklahoma is $44,398 per year, which also happens to be the lowest average total expenditure for the entire Southwest region, encompassing Texas, New Mexico, and Arizona.

Here is how the annual costs break down for the average Oklahoman.

That annual cost of living translates to average monthly expenses of $3,700 per person.

Housing Costs in Oklahoma

Average Housing Costs in Oklahoma: $788 to $1,479 per month

In June 2024, Zillow gave a typical home value in Oklahoma of $203,806. That’s almost half the national median sale price of $355,328 that Zillow reported for U.S. homes.

Homes in Oklahoma are cheaper than in the rest of the country, and they also fare better in terms of price appreciation. Like much of the country, Oklahoma’s average home values have been increasing since 2021.

Below are the median mortgage and rental costs for homes in Oklahoma, according to census data.

•  Median monthly mortgage cost: $1,479

•  Median studio rent: $788

•  Median one-bedroom rent: $834

•  Median two-bedroom rent: $998

•  Median three-bedroom rent: $1,202

•  Median four-bedroom rent: $1,472

•  Median five-bedroom rent: $1,446

•  Median gross rent: $1,020

Home values vary widely in Oklahoma. For example, a home in Oklahoma City can cost twice as much as one in a smaller city like Muskogee.

*data as of December 2024

Utility Costs in Oklahoma

Average Utility Costs in Oklahoma: $355 per month

Below is a snapshot of the typical monthly utility costs that Oklahoma residents can expect to pay.

Actual results will depend on what type of property you own and where it’s located.

Sources: U.S. Energy Information Administration, Electric Sales, Revenue, and Average Price; Statista.com, “Average monthly residential utility costs in the United States, by state”; DoxoInsights, U.S. Cable & Internet Market Size and Household Spending Report; and Rentcafe.com, What Is the Average Water Bill?

Groceries & Food

Average Grocery & Food Costs in Oklahoma: $273 per person, per month

Oklahoma actually has the lowest food and beverage costs of any state in the country, according to the Bureau of Economic Analysis’ latest personal consumption expenditures data. Oklahomans pay an average of $273 per month, or $3,274 per year on nonrestaurant food and beverages.

Where you live affects average food costs. For example, you can buy a frozen meal at a supermarket for $4.05 in Muskogee, but that same item on average would cost you $3.15 in Ardmore.

Let’s chew on grocery costs in Oklahoma cities. The rankings are based on price data obtained from the Council for Community and Economic Research’s Cost of Living Index.

Transportation

Average Transportation Costs in Oklahoma: $10,792 to $20,082 per year

Oklahoma used to be a thruway for the famed Route 66 when it was still in service; today it remains a popular destination for road warriors from all over.

You’ll want to keep an eye on transportation costs if you’re thinking about moving to Oklahoma, especially since its auto insurance rates run high.

Transportation costs will vary depending on your commute and the size of your family. Here are costs from MIT’s Living Wage Calculator for different family sizes, based on data from February 2025.

Health Care

Average Health Care Costs in Oklahoma: $8,381 per person, per year

Oklahomans spend an average of $8,381 per year on health care, according to the Bureau of Economic Analysis. Compared with Texas, Arizona, and New Mexico, Oklahoma’s health care costs are at the top of the pack.

If you’re looking for affordable health insurance in Oklahoma, you can shop for and compare health insurance plans using the federal marketplace at HealthCare.gov.

Child Care

Average Child Care Costs in Oklahoma: $739 to $1,318 per child, per month

Child care costs take up a healthy chunk of any family’s monthly budget, and the costs can change depending on the age of a child and the setting.

Oklahoma families that need help paying for child care can apply for aid through the Oklahoma Department of Human Services. The table below shows typical monthly child care costs in Oklahoma, according to CostofChildCare.org.

Taxes

Highest Marginal Tax Rate in Oklahoma: 4.75%

Oklahoma has a progressive income tax, which adjusts your rate based on your income bracket.

The highest marginal tax rate in Oklahoma is 4.75% for both single filers who earn over $7,200 and joint filers who earn over $14,400 a year, the Tax Foundation’s State Individual Income Tax Rates and Brackets for 2025 notes.

When factoring in property, sales, and use taxes, Oklahoma has a below-average tax burden, with an effective state-local tax rate of 9%. It ranks 10th best on TaxFoundation.org’s rankings of local tax burdens by state; “tax burden” measures the aggregate impact of all taxes levied by state and local governments, as recorded by the U.S. Census Bureau.

Oklahoma had a lower tax burden than nearby New Mexico and Arizona, but its southern neighbor, Texas, came out a few ranks ahead, at the 6th best with a slightly lower effective tax rate of 8.6%.

Miscellaneous Costs

Now that we’ve tackled the everyday expenses for living in Oklahoma, let’s take a look at the costs of some of the state’s greatest attractions.

•  Pay for an adult admission to the National Cowboy & Western Heritage Museum in Oklahoma City: $20 (senior and military tickets are $17, students and kids 6-17 cost $12, and children 5 and younger get in free.)

•  Get a pair of cowboy boots at Langston’s Western Wear in Harrah: $109 to $470

•  Tickets to the Lawton Rangers Rodeo: $10 to $20 (depending on day of event and special deals)

•  Get a boot shine at Oklahoma City’s Sole Brothers Shine Parlor: $10 (basic), $12 (spit shine), muddy boots (by in-store estimate only)

•  Chicken fried steak at Clanton’s Cafe in Vinita along Route 66: $12.99 (dinner)

If you’ve always been a fan of the Lone Ranger, Will Rogers, or Ben Johnson, you can buy your very own set of cowboy boots and Stetson hat and live out your cowboy fantasies at the rodeo in Guthrie.

While wandering out yonder, you might want to stop for a plate of the official state meal: chicken fried steak, fried okra, cornbread, barbecue pork, sausage and gravy, grits, squash, corn, black-eyed peas, strawberries, and pecan pie. Oklahoma state law actually codified this combination in 1988.

How Much Money Do You Need to Live Comfortably in Oklahoma?

MIT’s Living Wage Calculator lists the “living wage” for a single individual with no kids in Oklahoma as $42,141 per year, or $20.26 per hour. Obviously this figure will vary depending on personal consumption habits.

The Southwest, including Oklahoma, Texas, Arizona, and New Mexico, has some of the lowest personal consumption expenditures in the nation. Of this contingent, Oklahoma has the lowest expenditure of the bunch.

If you’re looking for an affordable state, Oklahoma might be the perfect place for you, as U.S. News & World Report’s Affordability Rankings actually ranked it the sixth-most-affordable state in the union. Thanks to its open plains and low population per square mile, Oklahoma does well on housing, grocery, and health care costs.

What City Has the Lowest Cost of Living in Oklahoma?

Data from the Council for Community and Economic Research’s 2024 Cost of Living Index helps compare expenses across major cities in Oklahoma. The two most affordable cities are below.