| Index | Muskogee | Oklahoma | National |
| Cost of living | 84 | 88 | 100 |
| Groceries | 96 | 96 | 100 |
| Health care | 96 | 95 | 100 |
| Housing | 59 | 70 | 100 |
| Transportation | 94 | 96 | 100 |
| Utilities | 97 | 96 | 100 |
| Lifestyle & Entertainment | 91 | 94 | 100 |
| Household Items | 98 | 97 | 100 |
| Education & Childcare | 92 | 93 | 100 |
Understanding the cost of living in Muskogee can help future residents assess whether their current financial situation aligns with the expenses they will encounter. It enables them to plan for potential changes in their budget and lifestyle. The Muskogee cost of living index is 84, which is 16% lower than the national average. The cost of living index is calculated by taking into account multiple categories, which encompass both the cost of everyday expenditures and larger expenses as well.
Housing expenses can absorb a substantial portion of your net income, sometimes exceeding 30%. Thankfully, Muskogee stands out by reporting housing costs that are 40.6% lower than the national average. This signifies that both homeownership and rental expenses in this region are considerably more budget-friendly compared to the rest of the country. With such favorable housing affordability, residents of Muskogee can allocate a more reasonable portion of their income to housing, allowing for greater financial flexibility.
Wondering if Muskogee 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 Muskogee, for example, the median home price is 45.2% lower than what folks pay nationally, and monthly rent is 29.9% lower than the usual rates. Plus, income levels matter too, with Muskogee boasting a median household income of $58,039, which is 28.6% lower than the national average.
Taxes: Regions that impose higher taxes, including sales and income taxes, can contribute to an increased cost of living. Higher taxes for everyday necessities such as clothing, utilities and food inevitably leads to higher expenditures. Additionally, a higher income tax rate can also play a role in elevating the overall cost of living. In Muskogee, the prevailing sales tax rate starts at 4.5%, and income tax rates kick off at 0.25%.
Housing: When everyone's vying for homes in popular areas, it drives up property prices and rents, making the overall cost of living surge. On the flip side, in less sought-after locales, where housing demand is low, prices tend to dip, resulting in a more economical cost of living. In Muskogee, the housing index comes in at 40.6% lower than the national average.
Transportation: In situations where public transportation is limited or nonexistent, local residents may be required to own and maintain their own vehicles, contributing to an elevated cost of living. Monthly expenditures may encompass fuel costs, insurance premiums, routine vehicle upkeep and possibly lease or financing payments. In Muskogee, the transportation index is 5.6% lower than the national average.
The cost of living estimates displayed for Muskogee are modeled using a U.S. average baseline of 100, helping provide a useful comparison of local living expenses. Housing calculations include U.S. Census home price and rental data, while all other values are AI-assisted estimates based on regional cost patterns, climate, transportation, and everyday spending expectations. These values are intended for directional comparisons across cities.
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| Groceries index | |
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| Housing index | |
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| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $75,816 | $6,318 | $1,769 | $2,275 |
| Renters | $37,578 | $3,132 | $877 | $1,127 |
| 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. |
| Redbird, OK | 80 | 95 | 4.6% |
| Summit, OK | 127 | 68 | 31.9% |
| Sour John, OK | 99 | 75 | 25.0% |
| Shady Grove CDP (McIntosh County), OK | 219 | 76 | 23.6% |
| Mulberry, OK | 102 | 79 | 20.8% |
| Muskogee, OK | 38,202 | 84 | 15.7% |
| City | Population | Cost of Living Index | National Avg. |
| Muskegon, MI | 38,255 | 84 | 16.2% |
| Hilliard, OH | 38,111 | 110 | 9.9% |
| Addison, IL | 38,050 | 110 | 10.3% |
| Greenfield, WI | 38,049 | 99 | 0.9% |
| Commack, NY | 38,358 | 154 | 53.6% |
| Muskogee, OK | 38,202 | 84 | 15.7% |
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