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2023 Report: Cities in Oklahoma where Household Expenses are Highest and Lowest

Oklahoma skyline

How does living in the Sooner state affect your wallet? doxo breaks down key insights about Oklahoma’s household expenses, with a close eye to how bills differ in towns and cities across the state. The average household in Oklahoma, doxo’s data reveals, pays $1,705 in bills per month.

doxo’s data also has infographics for 46 cities and towns across Oklahoma, breaking down localized bill pay data figures as well. The state-wide rankings for most and least expensive cities provide insight into cost of living in Oklahoma and how it changes according to location.

The data sheds light on Oklahoma’s cost of living through other metrics, too. For example, the “percent of household income” data point shows what percentage of household income local residents spend on bills. doxo’s data also indicates how much more or less expensive specific cities are than the national and state average.

Oklahoma residents pay $1,705 in household bills a month

The average Oklahoma household pays $1,705 a month for the 10 most common household bills. This figure takes into account the 10 most common household bills, which are: Mortgage; Rent; Auto Loan; Utilities (electric, gas, water & sewer, and waste & recycling); Auto Insurance; Cable & Internet & Phone, Health Insurance (consumer paid portion); Mobile Phone; Alarm & Security; and Life Insurance.

Oklahoma residents, overall, get a good deal on their bills: the state ranks 47th out of 50 states in terms of average monthly spending. Kentucky ranks 46th, with annual monthly expenses of $1,710, and Arkansas ranks 48th, at $1,635.

Oklahoma’s household expenses, on average, are 16.7% lower than the national average of $2,046.

Absolute dollar amounts don’t tell the full story, however. The “percentage of household income” metric provides a more proportional look at bill spending in a particular location. Oklahoma households spend 37% of their income on household bills. 

Annually, Oklahoma residents pay $30 billion in household bills. See more data about bill pay in Oklahoma by clicking on the infographic link below.

Data: doxoINSIGHTS’ bill pay infographic about Oklahoma

  • Average Bill Cost per HH: $1,705 per month
  • State Bill Pay Market Size: $30 billion
  • doxoINSIGHTS State Rank: 47 out of 50
  • Percent of HHI Used for Bills: 37%
  • Difference from the National Average: 16.7% lower

Housing bill category drives Oklahoma’s low monthly bill expenses

The average Oklahoma household pays $1,705 in the 10 most common household bills per month. Rent and mortgage expenses drive savings, with both being considerably lower than the national average. The average mortgage payment in Oklahoma is $1,066, and average rent is $879, compared to the national average mortgage bill of $1,321 and rent bill of $1,191.

Other than housing-related expenses, auto loans are the most significant of the 10 most common bills for Oklahomans. The average auto loan bill in Oklahoma is $430 a month, compared to the national average of $467.

Compared to the national average, utilities are a notably lower expense for residents of Oklahoma. The average household in the state pays $348 a month for utilities, compared to the national average of $351.

Auto insurance is also a more affordable in Oklahoma. While US residents on average spend $207 per month on car insurance, in Oklahoma they spend just $177.

Note: Health Insurance and Life Insurance expenses do not account for payments made by employers on behalf of employees. These just include out-of-pocket expenses. Also, the state and national bill totals take into account the percentage of households that pay a bill.

Average Oklahoma Household Bill Spending

Bill CategoryAverage Oklahoma Monthly BillNational Average Monthly BillOklahoma Percent +/- National Average ($2,046)
Mortgage$1,066$1,32119% lower
Rent$879$1,19126% lower
Auto Loan$430$4678% lower
Utilities$348$3511% lower
Auto Insurance$177$20714% lower
Cable & Internet$112$1185% lower
Health Insurance$107$12011% lower
Mobile Phone$114$1194% lower
Alarm & Security$75$8411% lower
Life Insurance$72$8919% lower
Total$1,705$2,04616.7% lower

Edmond tops the list of most expensive cities for Oklahoma’s household bills

Residents of Edmond pay the highest household bills in the state of Oklahoma, at an average of $2,650 per month. Bixby comes second in the rankings, with residents paying $2,448 on average per month.

In proportion to household income, however, Bixby’s bills are costlier than ones in Edmond. While Edmond’s monthly bill basket makes up 33% of average household income there, Bixby’s bill basket accounts for 37% of average household income in that area.

Access detailed infographics about each city or town by clicking on the hyperlinks in the “City” column in the tables below. You can also browse doxoINSIGHTS’ regional bill comparison database to see infographics about more than 4,200 cities and towns across all 50 states in the US.

10 Most Expensive Oklahoma Cities for Household Bills

Rank
(1-10 out of 46)
CityMonthly Bill Expenses Per Household*Percent of Household Income Used for Bills 
1Edmond$2,65033% 
2Bixby$2,44837% 
3Yukon$2,11633% 
4Collinsville$2,09333% 
5Jenks$2,07430% 
6Sand Springs$2,04241% 
7Broken Arrow$2,03432% 
8Owasso$2,00532% 
9Mustang$1,98529% 
10Stillwater$1,92955% 

*Household Bill Pay Expense averages shown above reflect the ten most common bills paid, including housing (rent/mortgage).

Seminole is the most affordable Oklahoma city for household bills

Out of 46 cities and towns, Seminole is the most affordable place in Oklahoma, with residents paying $1,365 on average for household bills. Household bills account for 42% of local income in Seminole.

Miami comes in at the second most affordable town or city in Oklahoma, with residents paying $1,385 per month on average.

Also on the list of 10 least expensive cities in Oklahoma are Wagoner ($1,438 per month), Elk City ($1,453 per month), and McAlester ($1,458 per month).

10 Most Affordable Oklahoma Cities for Household Bills

Rank
(37-46 out of 46)
CityMonthly Bill Expenses Per HouseholdPercent of Household Income Used for Bills
37Ardmore$1,51535%
38Tahlequah$1,50643%
39Duncan$1,48935%
40Ponca City$1,47535%
41Altus$1,47035%
42McAlester$1,45837%
43Elk City$1,45334%
44Wagoner$1,43836%
45Miami$1,38540%
46Seminole$1,36542%

Some individuals may be deciding whether to move from a more expensive city to a less expensive one. doxoINSIGHTS can be a valuable resource for consumers seeking to make key decisions like this, allowing them to compare Oklahoma’s household expenses against average bills in different cities and states across the country. They can also use doxoINSIGHTS’ regional bill comparison database to compare average costs for over 4000 towns and cities across the country.