| Index | Stillwater | Oklahoma | National |
| Cost of living | 96 | 88 | 100 |
| Groceries | 96 | 96 | 100 |
| Health care | 93 | 95 | 100 |
| Housing | 99 | 70 | 100 |
| Transportation | 97 | 96 | 100 |
| Utilities | 95 | 96 | 100 |
| Lifestyle & Entertainment | 92 | 94 | 100 |
| Household Items | 96 | 97 | 100 |
| Education & Childcare | 89 | 93 | 100 |
Getting a feel for the cost of living in Stillwater 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 Stillwater is 96, which is 4% 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 Stillwater is about average when compared to all other cities across the nation. You can expect that everyday items like food, household expenses and utility bills will be no more expensive than any other average city. Residents can anticipate living expenses that remain in line with the national average, ensuring a manageable financial burden, making it an attractive choice for those seeking affordability without the constraints of higher everyday expenditures.
When it comes to knowing a city, its residents are the experts. We conducted a survey with 5 locals to understand their opinions on the cost of living in Stillwater. The results indicated that 60% found it reasonably priced with decreasing prices of goods and services, while 40% viewed it as quite expensive, with increasing prices.
Wondering if Stillwater 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 Stillwater, for example, the median home price is 4.3% higher than what folks pay nationally, and monthly rent is 13% lower than the usual rates. Plus, income levels matter too, with Stillwater boasting a median household income of $52,752, which is 35.1% 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 Stillwater, the prevailing sales tax rate starts at 4.5%, and income tax rates kick off at 0.25%.
Utilities: As with the prices of anything else, utility costs can exhibit significant variations, contingent on factors like climate, energy source availability, geographic location and state regulations. The expenses associated with electricity, water, heating, and waste disposal can fluctuate, either upward or downward, depending on the particular city or state. In Stillwater, the utilities index registers 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 Stillwater, the housing index is 0.9% lower than the national average.
The cost of living estimates displayed for Stillwater 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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| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $107,656 | $8,971 | $2,512 | $3,230 |
| Renters | $32,568 | $2,714 | $760 | $977 |
| 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. |
| Coyle, OK | 627 | 76 | 24.3% |
| Langston, OK | 1,466 | 77 | 22.6% |
| Glencoe, OK | 510 | 79 | 20.8% |
| Ripley, OK | 275 | 80 | 20.3% |
| Perry, OK | 5,130 | 84 | 16.4% |
| Stillwater, OK | 51,366 | 96 | 4.1% |
| City | Population | Cost of Living Index | National Avg. |
| East Hartford, CT | 51,352 | 105 | 5.2% |
| Little Elm, TX | 51,395 | 116 | 16.0% |
| Poway, CA | 51,311 | 179 | 78.8% |
| Enid, OK | 51,301 | 88 | 11.9% |
| Plainfield, NJ | 51,295 | 122 | 21.5% |
| Stillwater, OK | 51,366 | 96 | 4.1% |
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