Cost Of Living in Terral, OK

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22%

Overall NAT. AVG.

1%

Groceries NAT. AVG.

69%

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	Terral	Oklahoma	National
Cost of living	78	88	100
Groceries	99	96	100
Health care	98	95	100
Housing	31	70	100
Transportation	94	96	100
Utilities	107	96	100
Lifestyle & Entertainment	95	94	100
Household Items	100	97	100
Education & Childcare	93	93	100

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Cost Of Living Quick Facts

The cost of living in Terral is 11% lower than the Oklahoma average
The cost of living in Terral is 22% lower than the national average
Terral housing is 69% 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

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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	$55,294	$4,608	$1,290	$1,659
Renters	$47,013	$3,918	$1,097	$1,411

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.
Sugden, OK	33	98	2.1%
Ryan, OK	852	77	23.0%
Nocona, TX	3,061	83	17.4%
Byers, TX	413	83	16.5%
Henrietta, TX	3,191	87	13.3%
Terral, OK	408	78	22.1%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Highland Lake, AL	408	101	0.8%
Sulphur Springs city, AR	408	79	20.9%
Lorimor, IA	408	78	21.8%
Clear Lake, IN	408	157	56.6%
Palmer, MI	408	82	18.2%
Terral, OK	408	78	22.1%