Cost Of Living in Oak Springs, AZ

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29%

Overall NAT. AVG.

1%

Groceries NAT. AVG.

91%

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	Oak Springs	Arizona	National
Cost of living	71	101	100
Groceries	101	101	100
Health care	99	101	100
Housing	9	96	100
Transportation	98	102	100
Utilities	96	111	100
Lifestyle & Entertainment	95	103	100
Household Items	99	101	100
Education & Childcare	95	103	100

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Cost Of Living Quick Facts

The cost of living in Oak Springs is 30% lower than the Arizona average
The cost of living in Oak Springs is 29% lower than the national average
Oak Springs housing is 91% lower than the national average
Arizona general sales tax is 10% higher than the national average
Arizona state income tax is 4% 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	$37,418	$3,118	$873	$1,123
Renters	$0	$0	$0	$0

Arizona Sales Tax

State	General Sales Tax	With Max Surtax
Arizona	5.6%	10.725%

Arizona Income Tax

State	Income Tax (Low)	Income Tax (High)
Arizona	2.5%	2.5%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Tse Bonito, NM	212	98	2.3%
Lupton, AZ	17	98	2.3%
Houck, AZ	972	77	23.0%
Window Rock, AZ	2,549	81	19.4%
St. Michaels, AZ	944	81	19.0%
Oak Springs, AZ	45	71	29.0%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Iliamna, AK	45	139	38.7%
Crestone, CO	45	99	1.3%
Lynn, CO	45	107	6.7%
Bay Lake, FL	45	89	11.5%
Delphos, IA	45	72	28.2%
Oak Springs, AZ	45	71	29.0%