Oklahoma Cost of Living
Can you afford to live in the Sooner State?
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Oklahoma’s reputation for affordable living attracts many who want more space for their money. Still, getting a clear view of what costs actually look like before you pack up is important. Knowing what to expect in Oklahoma’s cost of living can give you peace of mind as you settle into a new community.
To determine the cost of living in Oklahoma, our team reviewed data from the U.S. Bureau of Economic Analysis to understand average spending. We also used recent official sources to gather housing, food, transportation, health care and utility costs to understand everyday expenses.
People in Oklahoma spend $44,398 each year on goods and services, on average.
Jump to insightThe median rent in Oklahoma is $905, versus the national median rent of $1,639.
Jump to insightResidents in Oklahoma spend $279.16 weekly on food at home.
Jump to insightAs of August 2025, the average price per gallon of regular gas is $2.70 in Oklahoma.
Jump to insightRecent data shows that employees in Oklahoma pay $1,641 annually for employee-sponsored health insurance coverage.
Jump to insightThe average cost of living in Oklahoma
According to the U.S. Bureau of Economic Analysis (BEA), the average annual per-person spending in Oklahoma was $44,398 in 2023. This number captures what Oklahomans typically spend each year on housing, health care, food, gas and energy, along with other essentials.
Here’s a breakdown of the largest spending categories in Oklahoma:
| Category | Annual per-capita cost in Oklahoma |
|---|---|
| Housing and utilities | $7,304 |
| Health care | $8,381 |
| Food and beverages for off-premises consumption | $3,274 |
| Gasoline and other energy goods | $1,735 |
| All other personal consumption expenditures | $23,703 |
| Total cost | $44,398 |
Housing costs in Oklahoma
For most people, housing is the largest monthly bill — and in Oklahoma, it’s a category where you may notice some relief compared with other states. According to 2025 data from Apartments.com, the average rent in Oklahoma is $905, while the national average rent is $1,639. Depending on your location and housing needs, monthly rents in Oklahoma break down as follows:
- One-bedroom rent: $834
- Two-bedroom rent: $998
- Three-bedroom rent: $1,202
- Four-bedroom rent: $1,472
For those considering homeownership, the median home price in Oklahoma is $259,700, which is much less than the U.S. median home price of $446,638.
When it comes to property taxes, Oklahoma’s rates are an important part of your housing budget. The state ranks No. 25 for highest effective property tax rates, currently at 0.77%.
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Food costs in Oklahoma
What you spend on groceries and meals in Oklahoma depends on your shopping habits and dining choices. The U.S. Census reports the average weekly grocery bill in Oklahoma is $279.16, compared with the U.S. average of $270.21.
Families who prefer to prepare meals at home might find their food dollars go further, especially when shopping at discount grocers or buying bulk. Eating out — especially in Oklahoma City, Tulsa or college towns — will increase your monthly spending. On the other hand, smaller communities and rural areas in Oklahoma generally have lower restaurant prices, which can help keep dining costs manageable.
Transportation costs in Oklahoma
Fuel and auto costs are another key part of living expenses. The average price per gallon of regular gas in Oklahoma is $2.70, compared with the U.S. average of $3.13.
The average annual auto insurance premium in Oklahoma (covering liability, collision and comprehensive) is $1,172.08, while the national average is $1,258.
Health care costs in Oklahoma
Health care spending is another important factor for families. The average employee contribution for employer-sponsored health insurance in Oklahoma is $1,641 each year, with employers paying the remaining $5,779 of the total premium of $7,420.
Nationally, the average employee share is $1,640 out of a total premium of $8,182.
Utility costs in Oklahoma
Monthly utility expenses in Oklahoma are a regular part of the household budget. The average electric bill in Oklahoma is $129.10, compared with $136.84 nationally.
Natural gas in Oklahoma costs $9.46 per thousand cubic feet, compared with $12.92 across the country.
FAQ
Does Oklahoma have a high cost of living?
No, Oklahoma does not have a high cost of living compared with the national average. In fact, it has one of the lowest costs of living in the U.S. Most residents pay less for housing and utilities. Median home prices are also much lower than in other states.
Is Oklahoma a good place to live?
Yes, Oklahoma is a good place to live if you value affordable housing and a lower cost of living. Many people are moving to Oklahoma, and the state offers a favorable environment for renters and buyers alike. The reasonable prices for everyday needs allow residents to stretch their budgets, making it a smart option for families and individuals looking for value.
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Is Oklahoma good for renters?
Yes, Oklahoma is good for renters. Rent is less expensive than in most states, and rental units are available in many cities and towns. However, tenant protections are weaker than in many other states, so renters should be aware of their rights and responsibilities.
Article sources
ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this article include:
- Apartments.com, “Rent Trends.” Accessed Aug. 20, 2025.
- Redfin, “Redfin Data Center.” Accessed Aug. 20, 2025.
- Tax Foundation, “Where Do People Pay the Most in Property Taxes?” Accessed Aug. 20, 2025.
- United States Census Bureau, “Week 63 Household Pulse Survey: October 18 - October 30.” Accessed Aug. 20, 2025.
- AAA Gas Prices, “State Gas Price Averages.” Accessed Aug. 20, 2025.
- National Association of Insurance Commissioners, “2021/2022 Auto Insurance Database Report.” Accessed Aug. 20, 2025.
- KFF, “Average Annual Single Premium per Enrolled Employee For Employer-Based Health Insurance.” Accessed Aug. 20, 2025.
- U.S. Energy Information Administration, “2023 Average Monthly Bill- Residential.” Accessed Aug. 20, 2025.
