Ponca City cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexPonca CityOklahomaNational
Cost of living index8286100
IndexPonca CityOklahomaNational
Goods & Services index9393100
Groceries index9697100
Health care index9495100
Housing index5369100
Transportation index9386100
Utilities index10395100
Displayed above is a general overview of the Ponca City, OK cost of living index. The overall cost of living index in Ponca City, OK is 82, which is 4% lower than the Oklahoma average and 18% lower than the national average. The cost of living index is created from the following categories: goods/services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). As you can see, goods/services and housing make up the majority of the overall cost of living index. Everyday goods and services can be a good indicator of the general cost of goods in a given city. In this case, the goods and services in Ponca City, OK are equal to the Oklahoma average and 7% lower than the national average.

Did you know?

  • The cost of living in Ponca City is 4% lower than the Oklahoma average.
  • The cost of living in Ponca City is 18% lower than the national average.
  • The cost of housing in Ponca City is 47% lower than the national average.
  • Oklahoma general sales tax is 12% lower than the national average.
  • Oklahoma state income tax is 78% lower than the national average.

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Salary Calculator

This is how much you would need to earn in
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Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
The salary calculator allows you to compare how much your current salary in Ponca City, OK would be worth in another city. In other words, the salary calculator will adjust the figure you enter for cost of living so that you can determine how much more or much less you would need to earn while maintaining your current quality of living. If you are considering relocating to a more expensive city than Ponca City, OK, the calculator will tell you how much more you need to earn so you can assess job offers more accurately. The Ponca City, OK salary calculator is easy to use. All you do is enter the name of another city, then move the slider to your current income. After that, the salary calculator will crunch the numbers for you and give you the information you need about the place you are considering going. Additionally, it will show a detailed breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
The affordability of the housing market in Ponca City, OK as well as the overall cost of living can be indicated accurately by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should ever be used on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Ponca City, OK homeowners, the median income is $50,464. This indicates that a monthly maximum of $1,177 should be spent by homeowners on all housing related costs. Renters have a median income of $25,018. This indicates that renters should have a maximum of $584 used for their rent related monthly costs.

Oklahoma Sales Tax

StateGeneral Sales TaxWith Max Surtax

Oklahoma Income Tax

StateIncome Tax (Low)Income Tax (High)
One thing to keep in mind when considering the cost of living in Ponca City, OK is the Oklahoma sales tax and Oklahoma income tax rates. Sales taxes are taxes that are collected on most goods or services sold. Sales taxes can vary by state and can be as high as 7% and as low as 0% as not every state imposes a sales tax. The Oklahoma sales tax rate is 4.5% and the maximum surtax that can be charged is 11%. Income tax is the tax imposed on income by both the federal and state government. The income tax rates varies by individual state and will also be higher or lower depending on the applicable tax bracket. The rates of state income tax can vary from 0% to more than 9%. The Oklahoma income tax rates range from 0.5% to 5.25%.

Goods & Services

ItemPonca CityNational avg.Difference
Haircut $9.33$14.5936.1%
Beauty Salon $28.33$34.6818.3%
Toothpaste $2.48$2.470.3%
Shampoo $0.91$1.0211.0%
Movie $11.00$9.8711.5%
Bowling $2.99$4.3931.9%


ItemPonca CityNational avg.Difference
Ground Beef $4.09$4.488.6%
Fried Chicken $1.49$1.461.8%
Milk $2.60$2.3610.3%
Potatoes $2.56$3.0616.4%
Pizza $7.99$9.2413.6%
Beer $8.23$8.634.7%

Health Care

ItemPonca CityNational avg.Difference
Optometrist $100.00$99.780.2%
Doctor $66.67$105.0336.5%
Dentist $107.33$88.7021.0%
Ibuprofen $8.38$9.4111.0%
Lipitor $256.79$298.5014.0%


ItemPonca CityNational avg.Difference
Home Price $80,100.00$175,700.0054.4%
Avg. Mortgage Payment $917.01$1,081.0315.2%
Apartment Rent $659.00$920.0028.4%


ItemPonca CityNational avg.Difference
Gasoline $1.88$2.099.9%
Tire Balancing $45.33$45.290.1%


ItemPonca CityNational avg.Difference
All Electricity$171.07$170.800.2%
Phone $29.95$28.266.0%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Marland, OK26676-24%
Braman, OK17477-23%
Blackwell, OK6,95778-22%
Kildare, OK7178-22%
Tonkawa, OK3,14479-21%
Ponca City, OK24,95182-18%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Bailey's Crossroads, VA24,94712424%
Ilchester, MD24,95912828%
Elmwood Park, IL24,9601099%
Alvin, TX24,93887-13%
Baldwin, NY24,89715656%
Ponca City, OK24,95182-18%
Source: The Ponca City, OK cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.