Cost Of Living in Carter, OK

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16%

Overall NAT. AVG.

4%

Groceries NAT. AVG.

41%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Carter	Oklahoma	National
Cost of living	84	88	100
Groceries	97	96	100
Health care	93	95	100
Housing	59	70	100
Transportation	98	96	100
Utilities	91	96	100
Lifestyle & Entertainment	95	94	100
Household Items	94	97	100
Education & Childcare	93	93	100

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Homes For Sale In Carter, OK

12223 N 2040 Rd

Sentinel, OK

600 E Main St

Carter, OK

Cost Of Living Quick Facts

The cost of living in Carter is 4% lower than the Oklahoma average
The cost of living in Carter is 16% lower than the national average
Carter housing is 41% lower than the national average
Oklahoma general sales tax is 12% lower than the national average
Oklahoma state income tax is 90% lower than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$69,160	$5,763	$1,614	$2,075
Renters	$32,296	$2,691	$754	$969

Oklahoma Sales Tax

State	General Sales Tax	With Max Surtax
Oklahoma	4.5%	11%

Oklahoma Income Tax

State	Income Tax (Low)	Income Tax (High)
Oklahoma	0.25%	4.75%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Willow, OK	239	71	28.9%
Sayre, OK	4,603	80	20.3%
Canute, OK	517	86	13.8%
Elk City, OK	11,999	92	7.7%
Carter, OK	202	84	16.1%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Adona, AR	202	78	22.0%
Stevinson, CA	202	117	16.8%
Rayle, GA	202	83	16.8%
Schoenchen, KS	202	86	13.6%
Disney, OK	202	85	15.5%
Carter, OK	202	84	16.1%