A+
8%
Overall NAT. AVG.
2%
Groceries NAT. AVG.
17%
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 Sand Springs Oklahoma National
Cost of living9288100
Groceries9896100
Health care9595100
Housing8370100
Transportation9496100
Utilities9396100
Lifestyle & Entertainment9394100
Household Items9997100
Education & Childcare9993100
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An Overview of Cost of Living in Sand Springs, OK

Getting a feel for the cost of living in Sand Springs is essential for anyone planning to relocate, as it empowers them to make informed financial decisions, secure a comfortable lifestyle and maintain financial stability in their new environment. The cost of living in Sand Springs is 92, which is 8% lower than the national average. Relocating individuals may need to adjust their savings and investment strategies based on the cost of living in the new location. It influences decisions about retirement planning, investments and financial goals.

The cost of living in Sand Springs aligns closely with the national average when compared to other cities across the nation. Everyday essentials such as groceries, household expenses, health care and utility bills are priced at a level consistent with the average in similar urban areas. Sand Springs residents can anticipate that their daily expenses won't be significantly higher than those in an average city, ensuring that the cost of living remains manageable.

Is Sand Springs Affordable?

Is Sand Springs an affordable place to live? It's a good question and one that you might want to ask when considering any new city, as affordability can play a huge role in the decision making process. The cost of living index (which we covered above), as well as housing costs and income levels play a vital role in determining the affordability of an area. The median home price in Sand Springs is 21.9% lower than the national average, while the average monthly rent prices are 6.2% lower than average. The affordability of any location can also be influenced by median income levels. Sand Springs has a median household income of $90,634, which is 11.4% higher than the national average.

What Factors can Influence the Cost of Living in Sand Springs?

Utilities: Similar to the prices of any goods or services, utility expenses can fluctuate widely, contingent on variables such as climate, available energy sources, geographical location and state regulations. Costs associated with electricity, water, heating, and waste disposal can differ in magnitude, depending on the specific city or state. In Sand Springs, the utilities index registers at 7.3% 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 Sand Springs, the housing index is 17.2% lower than the national average.

Healthcare: Healthcare expenses and insurance premiums can vary significantly depending on the specific city or state. Factors such as accessibility to healthcare facilities, out-of-pocket expenses for doctor's visits, dental care expenses, prescription costs and specialized medical care fees can all influence the overall cost of living. In Sand Springs, healthcare costs are 4.7% lower than the national average.

Where is the Data From?

The cost of living estimates displayed for Sand Springs 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.

Cost Of Living Quick Facts

  • The cost of living in Sand Springs is 5% higher than the Oklahoma average
  • The cost of living in Sand Springs is 8% lower than the national average
  • Sand Springs housing is 17% 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

Most Affordable Places to Live in and Around Sand Springs

See all the best places to live around Sand Springs

Compare Sand Springs, OK Cost of Living

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      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$111,451$9,288$2,600$3,344
      Renters$59,291$4,941$1,383$1,779
      A good indicator of the general affordability of housing in Sand Springs, OK, is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Sand Springs, the median monthly income is $111,451 for those who own their own homes. Under the standard rule, that income level would allow for $2,600 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $59,291, per the median income in the area. That would allow for renters to spend up to $1,383 on monthly rental expenses.

      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.
      Lotsee, OK5964.1%
      Oak Grove, OK12964.1%
      Turley, OK2,8848020.0%
      Prue, OK3758218.5%
      Kellyville, OK1,2128316.9%
      Sand Springs, OK20,651928.1%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Elmwood Park, NJ20,65413635.6%
      Lake Zurich, IL20,66412323.4%
      Port Angeles, WA20,63111312.5%
      Alamo, TX20,6298316.8%
      Lloydminster (Part), AB20,628n/a 
      Sand Springs, OK20,651928.1%
      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.