What Is the Average Cost of Living in Oklahoma in 2025?

October 10, 2025 Kalpit Kelvankar

Considering a move to Oklahoma? The Sooner State offers lively cities, friendly communities, and a very affordable cost of living. In fact, Oklahoma has the lowest cost of living index in the United States for 2025. It is 14% below the national average.

Therefore, if you want both affordability and quality of life, this state definitely stands out. Let’s explore what you can expect for housing, utilities, groceries, and more, along with a breakdown of the average cost of living in Oklahoma.

TL;DR: Average Cost of Living in Oklahoma 2025

Cost-of-living index: 86.0 (14% below national average)
Average required salary for middle-class life: $62,000–$130,000
Median home sale price: $215,674
Average statewide rent: $1,450; Oklahoma City mid-range: $926–$1,046
Average electric bill: $133.10/month
Monthly utility costs (all-in): $397–$570
Groceries: $1,207/month for an average basket
Healthcare premiums: $6,000–$7,800/year
Daycare costs: $7,200–$16,800/year

Understanding Oklahoma’s Average Cost of Living

Most families in Oklahoma can live comfortably on about $62,000 per year. However, in bigger regions such as Oklahoma City and Tulsa, the needed salary can rise to $130,000. This usually happens with larger households or when choosing more comfort.

Still, most people find costs manageable near the statewide average.

Here is a typical monthly budget:

Rent: $1,450 average statewide
Utilities: $397–$570
Groceries: $1,207
Transportation: $875 (including fuel, insurance, and vehicle costs)
Healthcare: $250–$650

Moreover, Oklahoma’s central and eastern regions—including Tulsa, Lawton, and Norman—often have slightly lower expenses. This is especially true outside metro areas.

Housing and Rental Market in Oklahoma

Oklahoma’s housing market remains one of the state’s biggest strengths in terms of affordability. The average rent is $1,450 statewide. In Oklahoma City, mid-range apartments rent for just $926 to $1,046. This is about 43% less than the US average.

How does Oklahoma compare with nearby states?

Texas: Rent between $1,241 and $1,900; median home price $300,079 (+39%)
Kansas: Rent $1,072–$1,210; median home price $239,525 (+11%)
Arkansas: Rent $954–$1,400; median home price $216,692 (+0.5%)

Clearly, Oklahoma’s rents and home prices offer a big advantage.

Even within Oklahoma, metro markets differ. Oklahoma City leads with affordable rentals. Meanwhile, Tulsa brings a vibrant culture paired with moderate housing costs. Regions such as Norman and Lawton balance university life with family-friendly neighborhoods.

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Utilities and Other Living Expenses in Oklahoma

Utilities are another area where Oklahoma shines. The average electric bill is $133.10 monthly. Total household utilities—including water, sewer, gas, and internet—range from $397 to $570 per month.

For comparison, other states stand as follows:

Texas: $377–$460/month; electric rates about 10% below US average
Kansas: $574/month, slightly higher than Oklahoma
Arkansas: $120–$140/month electricity; total bills just below Oklahoma’s average

Groceries cost roughly $279 per week, or $1,207 per month in Oklahoma. Kansas is cheaper, at $1,020 per month. Texas tends to be pricier at $1,234 monthly. Meanwhile, Arkansas leads regional savings with $1,130 per month.

Transportation costs include gas at about $3.20 per gallon. Annual vehicle expenses approach $10,500. While Kansas and Arkansas have slightly lower costs, Texas matches or sometimes exceeds the national average.

Healthcare premiums average between $6,000 and $7,800 yearly. Out-of-pocket costs come to around $3,100 on average. Texas has similar premiums but higher out-of-pocket spending. Kansas spends more overall, while Arkansas is slightly cheaper.

Childcare costs range from $600 to $1,400 per month in Oklahoma. That is $7,200 to $16,800 annually. These figures are close to Kansas and Arkansas but lower than Texas.

Income and Job Market Overview

Oklahoma’s average salary is $62,610 per year. This income level supports a middle-class lifestyle within the state.

Nearby states’ salary ranges are:

Texas: $65,000–$75,000
Kansas: $55,000–$65,000
Arkansas: Around $52,000

The mix of lower expenses and competitive salaries makes Oklahoma a smart choice for workers and families alike.

Is It Worth It to Live in Oklahoma?

If you want to make your money go farther, Oklahoma is a solid bet. Affordable housing, moderate utilities, and reasonable grocery prices help people live comfortably.

Besides, Oklahoma City, Tulsa, and Norman offer many amenities. This means you get good value plus quality of life.

Regional Insights and Relocation Tips

Oklahoma City and Tulsa give city excitement at low costs. Meanwhile, Norman and Lawton offer quiet, affordable living.

If you are new here, explore local festivals, strong schools, and the job market. Each region brings its own charm and housing styles.

Final Thought on Oklahoma’s Cost of Living

Oklahoma leads the nation in affordability for 2025. It ranks first on the cost-of-living index and beats Texas, Kansas, and Arkansas in key spending categories.

Thanks to lower housing, groceries, and utilities, Oklahoma is a top pick for budget-conscious residents. Importantly, this does not mean sacrificing lifestyle or job opportunities.

👉 Browse the latest Oklahoma homes for sale on Houzeo and match your budget with your dream neighborhood.

FAQs About Oklahoma’s Average Cost of Living

How much is rent in Oklahoma?

Oklahoma’s housing market is highly affordable. The average rent statewide is $1,450, while mid-range apartments in Oklahoma City range from $926 to $1,046 per month.

Are utilities expensive in Oklahoma?

No, utilities in Oklahoma are reasonably priced. The average electric bill is about $133.10, and total monthly utility costs range between $397 and $570.