Cost Of Living in Loyal, OK

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24%

Overall NAT. AVG.

4%

Groceries NAT. AVG.

69%

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	Loyal	Oklahoma	National
Cost of living	76	88	100
Groceries	96	96	100
Health care	98	95	100
Housing	31	70	100
Transportation	95	96	100
Utilities	94	96	100
Lifestyle & Entertainment	95	94	100
Household Items	97	97	100
Education & Childcare	97	93	100

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Homes For Sale In Loyal, OK

N 2780 Rd

Hennessey, OK

Cost Of Living Quick Facts

The cost of living in Loyal is 13% lower than the Oklahoma average
The cost of living in Loyal is 24% lower than the national average
Loyal housing is 69% 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	$59,595	$4,966	$1,390	$1,788
Renters	$0	$0	$0	$0

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.
Hitchcock, OK	57	96	3.9%
Okeene, OK	1,033	82	17.7%
Hennessey, OK	3,072	91	9.1%
Kingfisher, OK	5,048	92	8.2%
Dover, OK	383	93	6.7%
Loyal, OK	105	76	23.5%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
St. George, AK	105	95	4.7%
Broomtown, AL	105	109	8.7%
Kingvale, CA	105	104	3.8%
Mount Laguna, CA	105	117	17.3%
Sedalia, CO	105	147	47.1%
Loyal, OK	105	76	23.5%