| Index | Ardmore | Oklahoma | National |
| Cost of living | 90 | 88 | 100 |
| Groceries | 97 | 96 | 100 |
| Health care | 101 | 95 | 100 |
| Housing | 72 | 70 | 100 |
| Transportation | 97 | 96 | 100 |
| Utilities | 100 | 96 | 100 |
| Lifestyle & Entertainment | 100 | 94 | 100 |
| Household Items | 99 | 97 | 100 |
| Education & Childcare | 96 | 93 | 100 |
Getting a feel for the cost of living in Ardmore is essential for anyone planning to relocate, as it empowers them to make informed financial decisions, secure a comfortable lifestyle and maintain financial stability in their new environment. The cost of living in Ardmore is 90, which is 10% lower than the national average. Relocating individuals may need to adjust their savings and investment strategies based on the cost of living in the new location. It influences decisions about retirement planning, investments and financial goals.
In Ardmore, daily expenses such as food, housing, lifestyle expenses, transportation and health care are in line with comparable areas and about average when compared to all cities across the nation. This ensures that the cost of living in Ardmore will resemble that of an average city, contributing to a manageable cost of living.
Wondering if Ardmore is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Ardmore, for example, the median home price is 34.2% lower than what folks pay nationally, and monthly rent is 14.8% lower than the usual rates. Plus, income levels matter too, with Ardmore boasting a median household income of $67,730, which is 16.7% lower than the national average.
Healthcare: Healthcare expenses and insurance premiums can vary significantly depending on the specific city or state. Factors such as accessibility to healthcare facilities, out-of-pocket expenses for doctor's visits, dental care expenses, prescription costs and specialized medical care fees can all influence the overall cost of living. In Ardmore, healthcare costs are 0.5% higher than the national average.
Housing: When there's a high demand for housing in trendy places, it can cause property prices and rental rates to soar, leading to a significantly higher cost of living. Conversely, in less desirable locations, where demand is low, prices tend to decrease, resulting in a more budget-friendly cost of living. In Ardmore, the housing index is 28.3% lower than the national average.
Taxes: Cities that enforce higher taxes, covering both sales taxes and income taxes, can be a factor contributing to a higher cost of living. Paying more in taxes for everyday essentials like clothing and food inevitably leads to higher expenses. A higher income tax rate can further contribute to an overall elevated cost of living. In Ardmore, the baseline sales tax rate begins at 4.5%, and income tax rates start at 0.25%.
The Ardmore cost of living estimates above use a normalized U.S. average of 100 as the baseline for comparison. Housing values incorporate local home price and rental information from the U.S. Census, while all other estimates are AI-assisted and modeled using expected everyday expenses, local market trends, climate, and transportation-related cost pressures. The results are intended for practical city-to-city comparisons.
| Cost of living index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $92,856 | $7,738 | $2,166 | $2,786 |
| Renters | $45,996 | $3,833 | $1,073 | $1,380 |
| State | General Sales Tax | With Max Surtax |
| Oklahoma | 4.5% | 11% |
| State | Income Tax (Low) | Income Tax (High) |
| Oklahoma | 0.25% | 4.75% |
| City | Population | Cost of Living Index | National Avg. |
| Gene Autry, OK | 228 | 85 | 14.7% |
| Mannsville, OK | 1,048 | 86 | 14.3% |
| Dougherty, OK | 236 | 86 | 14.0% |
| Springer, OK | 713 | 88 | 11.9% |
| Dickson, OK | 1,496 | 92 | 8.0% |
| Ardmore, OK | 25,666 | 90 | 9.7% |
| City | Population | Cost of Living Index | National Avg. |
| Muskego, WI | 25,672 | 115 | 15.3% |
| Decatur, GA | 25,677 | 147 | 46.8% |
| Burlington, IA | 25,653 | 88 | 11.8% |
| Fountain Hills, AZ | 25,686 | 132 | 32.3% |
| Tecumseh, ON | 25,689 | n/a | |
| Ardmore, OK | 25,666 | 90 | 9.7% |
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