doxoINSIGHTS » Oklahoma » Cost of Living in Oklahoma: Cities Where Household Expenses are Highest and Lowest in 2025

Cost of Living in Oklahoma: Cities Where Household Expenses are Highest and Lowest in 2025

What is the cost of living in Oklahoma? doxo breaks down key insights about Oklahoma’s household expenses, with a close look into how bills differ between towns and cities across the state. 

According to doxo’s The Cost of Bills Index™ (COBI), the average household in Oklahoma pays $1,543 in monthly expenses. doxoINSIGHTS compares the cost of the ten most common household bills across different regions. This includes Utilities, Cable & Internet, Mobile Phone, Auto Loans, Auto Insurance, Life Insurance, Health Insurance, Alarm & Security, Rent, and Mortgage.

The data sheds light on Oklahoma’s cost of living through other metrics as well. For example, the “percent of household income” data point shows what percentage of their household income residents spend on bills each month. 

By leveraging these tools, residents can gain a clearer understanding of their household expenses and optimize their financial planning.

Oklahoma ranks as the 47th most expensive state in the US for household bills

According to doxo’s COBI report, Oklahoma is ranked as the 47th most expensive state in the U.S. for household bills.

At $18,516 per year, Oklahoma’s household expenses, on average, are 25% lower than the US median of $24,695. 

Absolute dollar amounts don’t tell the full story, however. doxo’s “Percentage of Household Income” data provides a more proportional look at bill spending in a particular location. Oklahoma households spend 28% of their income on bills. 

COBI helps consumers understand how much it costs to live in one area as compared to another as it relates to the most common household bills. For COBI, the number 100 represents the national median and then, states, counties and cities are assigned a number, either above or below 100, based on how they compare to the national median. The COBI for Oklahoma is 75.

• Median Bill Cost per Household: $1,543 per month
• Cost of Bills Index(COBI): 75
• doxoINSIGHTS State Rank: #47
• Percent of Household Income Used for Bills: 28%
• Compared to the National Median: 25% lower

Oklahoma Household Expenses are 25% Lower Than the National Median

The average Oklahoma household pays $1,543 per month in the 10 most common household bills. The least expensive of these are alarm and security bills. 

On the lowest end of the spectrum, the median monthly payment for alarm and security bills in Oklahoma is $77, compared to the national median of $74, making it 4% higher than the national median.

Monthly mortgage bills are the most significant of the 10 most common bills for Oklahoma residents. The median monthly mortgage payment is $1,237, compared to the national median of $1,775, making it 30% less expensive. 

Median Oklahoma Household Bill Spending

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

Arcadia has the highest cost of living in Oklahoma for household bills

Residents of Arcadia pay the highest household bills in the state of Oklahoma, at a median of $2,554 per month. The Cost of Bills Index (COBI) for Arcadia is 124, meaning the median cost of bills in this city is 24% higher than the national median.

In proportion to household income, monthly bills in Arcadia make up 20% of the median annual household income of $154,250. 

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.

5 Most Expensive Oklahoma Cities for Household Bills

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

Southard has the lowest cost of living in Oklahoma for household bills

Southard is the most affordable place in Oklahoma, with residents paying $810 on average for household bills, accounting for 17% of annual income of $58,873. The Cost of Bills Index (COBI) for Southard is 39, meaning the median cost of bills in this city is 61% below the national median. 

Hollister is the second most affordable city in Oklahoma, with residents paying $819 per month on average.

Also on the list of the 5 least expensive cities in Oklahoma are Loveland ($819), Adams ($822) and Picher ($823).

5 Most Affordable Oklahoma Cities for Household Bills

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

Some individuals might be considering moving from a more expensive city to a less expensive one. For those making such decisions, doxoINSIGHTS can be a valuable resource. It allows consumers to compare household expenses in Oklahoma with average bills in various cities and states nationwide.