Cost of Living in Oklahoma in 2025

Oklahoma Cost of Living: Quick Takeaways

• Housing Costs: Average rent for a one-bedroom apartment in Oklahoma is expected to reach approximately $1,465 in 2025.
• Transportation Expenses: Public transit fare is affordable at $1.50 per ride, with fuel costs around $3.00 per gallon.
• Healthcare Costs: Employer-sponsored health insurance averages about $150 monthly, while individual silver plans cost around $500 monthly.
• Income Levels: The median household income is projected to be $62,000 in 2025.

Oklahoma offers an affordable living environment with costs generally below national averages in many categories.

This article provides a detailed breakdown of the cost of living in Oklahoma for 2025 including housing, transportation, utilities and more.

1. Housing Costs in Oklahoma

Housing represents a core element of living expenses. The average rent for a one-bedroom apartment in Oklahoma has risen as follows:

• 2010: $700
• 2015: $800
• 2020: $900
• 2024: $1,200
• 2025: $1,465

This steady increase reflects growing demand and changes in the housing market in Oklahoma.

For employers looking to understand broader hospitality real estate market trends, these figures provide important context.

2. Homeownership and Real Estate Trends in Oklahoma

For prospective homeowners, median home prices have similarly appreciated over time:

• 2010: $150,000
• 2015: $170,000
• 2020: $190,000
• 2024: $216,849
• 2025: $225,083

This trend highlights a consistent upward trajectory in real estate values, making Oklahoma an attractive market for property investment.

3. Transportation Expenses in Oklahoma

Transportation costs in Oklahoma are generally affordable with options including public transit and private vehicle expenses:

• Public Transit: One-way fare is $1.50, and monthly passes cost about $50.00.
• Fuel Costs: Average price per gallon of fuel is approximately $3.00 in 2025.
• Vehicle Maintenance: Annual maintenance expenses average $1,000.

These expenses support a spectrum of commuting choices for residents.

4. Utility Costs in Oklahoma

Monthly utility expenses for a typical household include:

• Electricity: Around $150.00
• Internet: Approximately $60.00
• Total Utilities: Estimated at $210.00 monthly

Utility costs depend on consumption and provider rates but remain relatively moderate.

5. Grocery and Food Expenses in Oklahoma

Monthly grocery expenses typically run around $300 per person. Dining options vary with casual meals averaging $12 and mid-range restaurant meals about $40.

Food costs in Oklahoma are generally below national averages, offering affordability for residents.

For restaurant owners, managing food expenses and reducing food waste can be critical to profitability.

6. Healthcare Costs in Oklahoma

Healthcare spending includes premiums and out-of-pocket costs:

• Employer-Sponsored Insurance: Average $150 monthly
• Individual Silver Plan: Around $500 monthly

These costs reflect variations depending on coverage and health needs.

7. Educational Expenses in Oklahoma

Education costs vary by level and type:

• Public Schools: Free, publicly funded
• Private Schools: Average tuition approximately $8,000 annually
• In-State University Tuition: Around $9,000 per year

Families should consider these expenses when planning for education.

8. Entertainment and Leisure in Oklahoma

Entertainment options and related costs include:

• Movie Ticket: $10
• Gym Membership: $30 monthly
• Meal at Mid-Range Restaurant: $40
• Annual Entertainment Spending: Approximately $2,000

Oklahoma offers affordable access to leisure activities enhancing quality of life.

9. Taxes and Miscellaneous Fees in Oklahoma

Residents face a range of tax obligations:

• State Income Tax: Between 0.5% and 5%
• Sales Tax: Total of 4.5% on purchases
• Property Tax Rate: Approximately 0.87%

These taxes shape the financial obligations for individuals and businesses within the state.

10. Childcare and Family Expenses in Oklahoma

Families should budget for childcare and related costs:

• Daycare: About $800 monthly
• After-School Programs: Around $300 monthly
• Extracurricular Activities: Estimated $100 monthly

Such expenses are important considerations in family financial planning.

11. Clothing and Personal Care in Oklahoma

Monthly expenses in this category include:

• Clothing: Approximately $100
• Personal Care Products and Services: Around $50

These costs are typical and vary with personal preferences and needs.

12. Insurance Costs in Oklahoma

Insurance contributes significantly to living costs, including:

• Health Insurance: Average monthly premium $500 for a standard plan
• Auto Insurance: Annual premium approximately $2,196
• Homeowners Insurance: Around $1,200 annually
• Renters Insurance: About $180 annually

These policies are essential for protecting assets and health.

13. Miscellaneous Expenses in Oklahoma

Other expenses impacting the cost of living include:

• Entertainment: Annual spending about $2,000
• Personal Care Services: $600 yearly
• Miscellaneous Goods and Services: Approximately $500 annually

These vary based on lifestyle and individual choices.

In hospitality, understanding these miscellaneous cost factors can aid owners in managing restaurant expenses effectively.

14. Income and Salaries in Oklahoma

Median household income has grown steadily as shown below:

• 2010: $45,000
• 2015: $50,000
• 2020: $55,000
• 2023: $60,000
• 2025: $62,000

This steady increase supports the overall economic development of Oklahoma.

For hospitality employers in Oklahoma, keeping up with top paying restaurant job trends can help attract and retain quality staff in a competitive market.

15. Comparison with National Averages

Oklahoma generally offers a more affordable cost of living compared to national averages:

• Overall Cost: About 16% lower than national average
• Housing: 24% less expensive
• Utilities: 4% lower
• Food: 4% below national average
• Healthcare: 8% less costly
• Transportation: 10% below national average
• Goods and Services: Approximately 1% cheaper

This affordability is a significant factor for residents and newcomers.

Our Methodology for Oklahoma Cost of Living Figures

Our data compilation for Oklahoma's cost of living utilizes multiple reliable sources including government databases, statistical bureaus, and trusted economic reports. Where precise data was unavailable, estimates based on regional trends and similar markets were applied to ensure accuracy and comprehensiveness.

Oklahoma Cost of Living: Conclusion

Oklahoma presents a cost of living that is notably more affordable than many areas in the United States, particularly in housing and transportation.

With moderate utility, healthcare and educational expenses alongside steady income growth, it offers a balanced environment for residents.

Understanding these costs enables individuals and families to make informed decisions about living in Oklahoma, facilitating better financial planning and quality of life.