Stillwater cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
Cost of living index9388100
Goods & Services index10197100
Groceries index9395100
Health care index9395100
Housing index8369100
Transportation index9490100
Utilities index9398100
Here we can see a simple outline of the cost of living in Stillwater, OK. As you can see, with the average cost of living in Stillwater, OK being 93, that puts it 6% higher than the average of Oklahoma and 7% lower than our nation's average. This simple outline of the cost of living index was formulated using prices of: goods and services (weighted 33%), housing prices (weighted 30%), groceries (weighted 13%), utilities (weighted 10%), transportation (weighted 9%), and health care (weighted 5%). Thus, goods/services, along with housing influences the majority of the cost of living index. The price of daily goods and services is a valuable and reliable number to be aware of when considering the general price of the city's goods. In the case of Stillwater, OK, the price of goods and services are 4% higher than the average of Oklahoma as well as 1% higher than the nation's average.

Did you know?

  • The cost of living in Stillwater is 6% higher than the Oklahoma average.
  • The cost of living in Stillwater is 7% lower than the national average.
  • The cost of housing in Stillwater is 17% lower than the national average.
  • Oklahoma general sales tax is 12% lower than the national average.
  • Oklahoma state income tax is 78% lower than the national average.

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Compare Stillwater, OK Cost of living To Other Cities

Salary Calculator

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Groceries index
Health care index
Housing index
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Use the salary calculator to compare your current salary in Stillwater, OK to any other city. The salary calculator will tell you how much you would need to earn in any given city to maintain the same standard of living based on the cost of living in each city. For example, if the cost of living in the city you are looking to relocate to is higher than the cost of living in Stillwater, OK, then you would need to earn more income in order to maintain the same standard of living. To use the Stillwater, OK salary calculator, simply enter in the name of the new city, then adjust the slider to your current income. The salary calculator will do the rest and let you know if you need to earn more or less in the new city. You will also see a complete breakdown of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
The affordability of the housing market in Stillwater, OK as well as the overall cost of living can be indicated accurately by what percent of the monthly income is spent on housing related costs. This is konwn as the debt-to-income ratio (DTI). The overall rule of thumb is that no more than 28% of your gross income should ever be used on the overall costs related to housing and no more than 36% of gross income on all expenses and debts. Among Stillwater, OK homeowners, the median income is $71,069. This indicates that a monthly maximum of $1,658 should be spent by homeowners on all housing related costs. Renters have a median income of $18,153. This indicates that renters should have a maximum of $424 used for their rent related monthly costs.

Oklahoma Sales Tax

StateGeneral Sales TaxWith Max Surtax

Oklahoma Income Tax

StateIncome Tax (Low)Income Tax (High)
For those who live in Stillwater, OK and want to know what the true cost of living is, they ought to look at both the Oklahoma income tax rate and the Oklahoma sales tax rate. By sales tax, we mean the taxes that are included whenever a person is purchasing any goods or services. The amount that is taxed depends upon the particular state, where some states have a sales tax of zero percent while others can have a tax higher than seven percent. In Oklahoma, the sales tax is 4.5%, while the most you'll pay in surtax is 11%. There is also income tax to consider, which is based upon the amount of money made in a year. Just like sales tax, income tax depends upon the particular state but also depends upon what tax bracket the person is in. Income tax for the state can be higher than nine percent in some states to zero percent in others. For those that live in Oklahoma, the income tax rate ranges between 0.5% to 5%.

Goods & Services

ItemStillwaterNational avg.Difference
Haircut $18.79$16.0916.8%
Beauty Salon $35.09$37.336.0%
Toothpaste $2.47$2.451.0%
Shampoo $1.99$1.0099.3%
Movie $10.72$10.284.2%
Bowling $5.03$4.932.1%


ItemStillwaterNational avg.Difference
Ground Beef $2.40$3.8036.9%
Fried Chicken $1.04$1.4025.8%
Milk $1.59$2.0120.7%
Potatoes $2.92$3.013.2%
Pizza $9.85$9.890.3%
Beer $8.30$8.906.7%

Health Care

ItemStillwaterNational avg.Difference
Optometrist $110.19$102.167.9%
Doctor $100.24$108.367.5%
Dentist $87.20$92.535.8%
Ibuprofen $8.00$9.2813.8%
Lipitor $389.42$425.828.5%


ItemStillwaterNational avg.Difference
Home Price $157,500.00$184,700.0014.7%
Avg. Mortgage Payment $1,011.77$1,202.4415.9%
Apartment Rent $751.00$949.0020.9%


ItemStillwaterNational avg.Difference
Gasoline $2.13$2.245.2%
Tire Balancing $42.79$46.297.6%


ItemStillwaterNational avg.Difference
All Electricity$163.11$165.961.7%
Phone $24.98$28.6812.9%
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, StatePopulationCost of Living IndexNational Avg.
Coyle, OK26677-23%
Ripley, OK29977-23%
Langston, OK1,41279-21%
Glencoe, OK47481-19%
Perry, OK5,05683-17%
Stillwater, OK48,10493-7%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Dunwoody, GA48,12812727%
Alexandria, LA48,04490-10%
Collierville, TN48,0051066%
Tuckahoe, VA47,99711010%
Mishawaka, IN48,23483-17%
Stillwater, OK48,10493-7%
Source: The Stillwater, OK cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2017.