Assembling your view…
Crunching costs, sorting signals, rendering insights.
Crunching costs, sorting signals, rendering insights.
Dollar for dollar, few states match Oklahoma's value. 4 out of 4 cities undercut the national cost index of 112. Leading the pack: Tulsa at index 89, where median rent of $1,207/month saves renters $8,256/year versus the national median.
#1 Ranked: Tulsa — cost index 89, rent $1,207/mo, income $58,407
4 of 4 cities come in below the national cost-of-living average of 112
Data sourced from Census Bureau, Zillow, BLS, and Tax Foundation — current as of 2026
Dollar for dollar, few states match Oklahoma's value. 4 out of 4 cities undercut the national cost index of 112. Leading the pack: Tulsa at index 89, where median rent of $1,207/month saves renters $8,256/year versus the national median.
Tulsa earns its position at #1 through a combination that's hard to replicate. The 89 cost index sits 23 points below the national baseline, and the $58,407 median income means purchasing power here is amplified by the low cost base. Homes list at $212,757 — $254,613 below the national median — a genuine ownership opportunity. On the cost side, Housing leads the way at 73, while Healthcare trails at 92 (and that gap widens if you factor in state taxes).
Rent data is sourced from Zillow's Observed Rent Index (ZORI), which tracks the median rent across all active listings — not just new leases. This gives a more representative and stable signal than asking prices alone. Tulsa: $1,207/mo, Oklahoma: $1,255/mo, Norman: $1,289/mo. The cheapest city here is $688 under the national median — that's $8,256/year in savings on rent alone.
That's not nothing.
Keep reading — the next section adds critical context. Here's the state-level backdrop: Oklahoma averages a 93 cost index, $1,356/mo rent, and $68,847 income across 4 cities. That's $539 less than the national rent average. Energy economy and persistently low costs — and that context shapes every city in this ranking.
Bottom line: Tulsa leads this ranking for clear, data-backed reasons — but the "best" city depends on your priorities. Click into any city below to see the full detail page with 12-month trend charts, profession-specific salary data, and a breakdown of all five cost categories. If you're seriously considering a move, use our salary calculator to model your specific income against these numbers.
411,894 residents · Oklahoma
The #1 spot goes to Tulsa, and the breakdown explains why. Renters here pay $1,207/month — for better or worse — — saving renters $8,256 per year compared to the national average. Meanwhile, Housing is the standout at index 73, making it one of the cheapest in the country for that category. The weak spot? Healthcare at 92. You get the picture. A 25% rent-to-income ratio keeps most households inside the safe zone.
702,767 residents · Oklahoma
Straight up: Here's Oklahoma by the numbers — and there's a lot to like (and a little to watch). Cost index: 89. Rent: $1,255/month. Income: $66,702/year. Home price: $203,329. Population: 702,767. The strongest category is Housing at 73; the most expensive is Healthcare at 92. Translate that rent to annual numbers, and residents are saving renters $7,680 per year vs. the national median. That's a margin of safety most budgets don't have.
130,046 residents · Oklahoma
Why Norman ranks #3: the numbers tell a clear story. And depending on your situation, at 92 on the cost index, residents save roughly 20% less than the typical American. Rent sits at $1,289/month while the median household pulls in $65,060/year. The Housing category is particularly strong at 81, though Healthcare (95) lags behind. Home prices average $257,977 — $209,393 below the national median. Below the radar, but not for long.
119,194 residents · Oklahoma
Broken Arrow earns its position at #4 through a combination that's hard to replicate. The 100 cost index sits 12 points below the national baseline, and the $85,220 median income means purchasing power here is genuinely above average. Homes list at $283,474 — $183,896 below the national median — a genuine ownership opportunity. On the cost side, Utilities leads the way at 92, while Healthcare trails at 103.
Cities are ranked by median 1-bedroom rent from Zillow's Observed Rent Index (ZORI). ZORI reflects the median rent across all listed units, not just new leases, providing a more stable and representative figure. All data is sourced from federal agencies and verified research institutions. Cost of living indices are normalized to 100 (national median) using Zillow rent as the primary signal, with sub-category adjustments derived from regional BLS price data. Rankings are updated monthly as new data is released.
Tulsa ranks #1 in Oklahoma for this analysis with a cost index of 89 and median income of $58,407.
Our cost of living index uses real Zillow rent data as the foundation, indexed to 100 (national median). Sub-categories (housing, food, transport, utilities, healthcare) are derived from the overall index with regional adjustments. Data is updated monthly.
Tulsa (ranked #1) has a cost index of 89 and rent of $1,207/mo, while Broken Arrow (ranked #4) has a cost index of 100 and rent of $1,671/mo — a 11-point difference in cost of living.
City data is refreshed monthly from Census Bureau population estimates, Zillow rent and home price indices, BLS salary data, and Tax Foundation tax rates. Last updated: 2026.
The median 1-bedroom rent in Tulsa is $1,207/month as of 2026, based on Zillow's Observed Rent Index. This is $688 below the national median of $1,895/month.
The median home price in Tulsa is $212,757, which is 3.6× the local median income. It's on the edge of affordability for median-income households. The national median home price is $467,370.
Oklahoma has a 4.75% state income tax rate. Combined state and local sales tax averages 8.97%, and the effective property tax rate is 0.82%.
This ranking was generated using data current as of early 2026. Population and income data comes from the Census Bureau's American Community Survey (5-year estimates). Rent and home price data is from Zillow's monthly releases. Tax rates are from the Tax Foundation's 2025 edition. Rankings are refreshed monthly.