A+
18%
Overall NAT. AVG.
11%
Goods & Services NAT. AVG.
41%
Housing NAT. AVG.
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Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Muskogee Oklahoma National
Cost of living8286100
Goods & Services8991100
Groceries9594100
Health care8893100
Housing5969100
Transportation8793100
Utilities10098100

An Overview of Cost of Living in Muskogee, OK

Knowing the cost of living in Muskogee allows individuals to create a realistic budget. This helps them understand how their income will cover expenses and whether they need to make financial adjustments. The cost of living in any region can fluctuate due to various factors. To assess the cost of living consistently across different areas, a national average of 100 serves as the basis for the cost of living index. The cost of living in Muskogee stands at 82, marking it 18% lower than the national average.

Muskogee housing costs are 41% less than the national average, making this area an affordable place to live. Your net income can be heavily impacted by housing expenses, at times exceeding 30%. Fortunately, this area demonstrates that both homeownership and renting costs are significantly more budget-friendly than in the rest of the country. With such favorable housing affordability, Muskogee residents can earmark a more manageable portion of their income to housing.

Everyday items like clothes, personal care products and fun activities all add up to what it costs to live. The thing is, in Muskogee, these goods and services are 10.9% cheaper than what people pay on average across the country. That means you can enjoy what you need and like without going broke. With these savings, you can stash more cash in your savings or use it for other money goals, which can really boost your financial health.

Is Muskogee Affordable?

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 46.5% lower than what folks pay nationally, and monthly rent is 28% lower than the usual rates. Plus, income levels matter too, with Muskogee boasting a median household income of $38,218, which is 30.9% lower than the national average.

What Factors can Influence the Cost of Living in Muskogee?

Utilities: Much like any other costs, utility expenses can exhibit considerable variations, influenced by factors such as climate, available energy sources, geographic location and state regulations. The costs associated with electricity, water, heating, and waste disposal can vary significantly depending on the city or state in question. In Muskogee, the utilities index stands at 0.2% higher than the national average.

Groceries: Grocery prices have seen substantial hikes in the last 2-3 years, with some markets witnessing food cost increases of over 20% during this period. Conversely, certain markets have experienced only moderate upticks. These variations in food expenses can have a substantial impact on the overall cost of living in any locality. In Muskogee, the groceries index is 5% lower 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 Muskogee, the housing index is 41% lower than the national average.

Where is the Data From?

The Muskogee cost of living data displayed above is derived from the C2ER cost of living index to provide a useful and reasonably accurate measure of living cost differences in urban areas. Published on a quarterly basis, it compiles data from more than 300 independent researchers, encompassing over 60 goods and services. These items have been meticulously selected to represent various consumer expenditure categories, in 6 categories. Weightings assigned to cost differentials draw from government survey data tracking spending patterns among professional and executive households. While the C2ER index excludes data on sales or income tax rates, AreaVibes incorporates tax rates into the overall cost of living score for each region.

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Cost Of Living Quick Facts

  • The cost of living in Muskogee is 5% lower than the Oklahoma average
  • The cost of living in Muskogee is 18% lower than the national average
  • Muskogee housing is 41% lower than the national average
  • Oklahoma general sales tax is 12% lower than the national average
  • Oklahoma state income tax is 89% lower than the national average

Most Affordable Places to Live in and Around Muskogee

See all the best places to live around Muskogee

Compare Muskogee, OK Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$51,646$4,304$1,205$1,550
      Renters$25,080$2,090$585$752
      To approximate the cost of living and the housing affordability in Muskogee, OK, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Muskogee have a median income of $51,646. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,205 per month to avoid calamity and poverty. The renters in the city have an income of about $25,080, which would make their monthly maximum allowable rental costs $585.

      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%

      Goods & Services

      Item Muskogee National avg. Difference
      Haircut $24.00$24.261.1%
      Beauty Salon $41.67$45.568.6%
      Toothpaste $3.72$3.700.5%
      Shampoo $1.11$1.2813.3%
      Movie $10.00$12.1317.6%
      Bowling $15.33$18.0014.8%

      Groceries

      Item Muskogee National avg. Difference
      Ground Beef $5.98$5.842.5%
      Fried Chicken $1.40$1.5710.8%
      Milk $4.58$4.671.9%
      Potatoes $4.70$4.934.8%
      Pizza $12.03$12.090.5%
      Beer $9.90$10.414.9%

      Health Care

      Item Muskogee National avg. Difference
      Optometrist $122.21$125.682.8%
      Doctor $146.33$135.787.8%
      Dentist $107.18$113.295.4%
      Ibuprofen $10.15$10.654.7%
      Lipitor $491.00$468.604.8%

      Housing

      Item Muskogee National avg. Difference
      Home Price $98,800.00$184,700.0046.5%
      Avg. Mortgage Payment $1,803.16$2,346.6923.2%
      Apartment Rent $683.00$949.0028.0%

      Transportation

      Item Muskogee National avg. Difference
      Gasoline $3.13$3.469.7%
      Tire Balancing $68.72$59.9214.7%

      Utilities

      Item Muskogee National avg. Difference
      All Electricity $199.95$193.993.1%
      Phone $194.17$192.251.0%
      Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Redbird, OK78937.3%
      Summit, OK1236634.4%
      Sour John, OK967227.7%
      Shady Grove CDP (McIntosh County), OK2117426.1%
      Mulberry, OK987623.6%
      Muskogee, OK37,3378218.4%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Muskegon, MI37,3178118.7%
      Navarre, FL37,3901109.9%
      La Presa, CA37,41014444.1%
      Meridian, MS37,2528118.8%
      Park Ridge, IL37,43113736.9%
      Muskogee, OK37,3378218.4%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.