Cost Of Living in Luther, OK

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4%

Overall NAT. AVG.

2%

Groceries NAT. AVG.

5%

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	Luther	Oklahoma	National
Cost of living	96	88	100
Groceries	98	96	100
Health care	96	95	100
Housing	95	70	100
Transportation	98	96	100
Utilities	96	96	100
Lifestyle & Entertainment	92	94	100
Household Items	95	97	100
Education & Childcare	97	93	100

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Homes For Sale In Luther, OK

E Waterloo Rd

Luther, OK

23505 E Waterloo Rd

Luther, OK

22422 Flying Hawk Trl

Luther, OK

102 Discouraging Word Way

, OK

Cost Of Living Quick Facts

The cost of living in Luther is 9% higher than the Oklahoma average
The cost of living in Luther is 4% lower than the national average
Luther housing is 5% 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	$79,751	$6,646	$1,861	$2,393
Renters	$75,639	$6,303	$1,765	$2,269

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.
Warwick, OK	192	97	3.2%
Spencer, OK	4,133	81	19.0%
Fallis, OK	19	82	18.1%
Smith Village, OK	75	81	18.7%
Arcadia, OK	139	82	17.8%
Luther, OK	1,608	96	4.1%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Homer, MI	1,608	85	15.2%
Cardington, OH	1,608	86	14.4%
West Lawn, PA	1,608	98	2.4%
Coal Fork, WV	1,608	85	15.3%
Central Kootenay C, BC	1,608	n/a
Luther, OK	1,608	96	4.1%

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.

Cost of Living in Luther, OK

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Cost Of Living Quick Facts

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Median Income & Debt-To-Income Ratio

Oklahoma Sales Tax

Oklahoma Income Tax

Nearby cities with low cost of living

Cities with similar population