Cost of Living in Oklahoma City, OK (2026)

Oklahoma City's cost of living is 10% below the US average. $100,000 here is worth about $110,610 nationally. Rent, homes and monthly costs.

Oklahoma City has a cost-of-living index of 90 against a US average of 100 — about 10% below average. $100,000 of income here is worth roughly $110,610 at the national average.

What it costs to live in Oklahoma City

MeasureOklahoma CityUS average
Cost-of-living index90100
Median rent$1,083/mo-
Median home value$215,100-
Median household income$66,702-
Population688,693-

Monthly cost breakdown in Oklahoma City

Estimates use BLS Consumer Expenditure Survey shares scaled by the local cost-of-living index. Housing uses the city’s median rent; the owning column uses a 30-year mortgage at 6.7% with 10% down on the median home.

CategoryRentingOwning
Housing$1,083$1,249
Transport$824$824
Food$648$648
Healthcare$407$407
Other$1,447$1,447
Total$4,410$4,576

Affordability in Oklahoma City

Median rent takes about 19.5% of the median household income in Oklahoma City — comfortably inside the 30% rule of thumb.

The median home costs 3.2x the median household income. Three times income is the traditional comfort line; five times is where affordability usually breaks down.

Highest-paying roles in Oklahoma City

RoleTypical salaryWorth nationally
Marketing Manager$112,350$124,270
Software Developer$104,030$115,067
Physical Therapist$99,530$110,090
Data Scientist$88,170$97,525
Mechanical Engineer$85,110$94,140
Web Developer$81,110$89,716
Registered Nurse$79,850$88,322
Financial Analyst$76,810$84,959

“Worth nationally” adjusts each salary for Oklahoma City’s cost of living, so you can compare offers between cities on equal terms.

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Frequently asked questions

Oklahoma City has a cost-of-living index of 90 against a US average of 100, so it is about 10% below the national average. In practical terms, $100,000 of income in Oklahoma City has roughly the purchasing power of $110,610 at the national average.

A common benchmark is keeping rent at or under 30% of gross income. At Oklahoma City's median rent of $1,083/month that implies about $43,320 a year before tax. The median household in Oklahoma City earns $66,702.

Renting, a single household spends roughly $4,410 a month in Oklahoma City across housing, transport, food, healthcare and everything else. Buying at the median home price, the estimate is about $4,576 a month including a 30-year mortgage at 6.7% with 10% down.

The median home in Oklahoma City costs $215,100, which is 3.2x the median household income of $66,702. Lenders traditionally treat 3x as comfortable and about 5x as stretched, so Oklahoma City is manageable but tight.