What is the cost of living in Stillwater, OK?
According to the most recent data on the cost of living, Stillwater has an overall cost of living index of 96, which is 1.0x lower than the national index of 100.
Compared to Oklahoma, Stillwater has a cost of living index that's 1.1x higher than Oklahoma's index of 88.
The standard of living in Stillwater ranks as #62 most affordable out of the 74 places we measured in Oklahoma. By definition, that implies Stillwater ranks as the #12 most expensive place in the Sooner State.
For more reading on life in Stillwater, check out:
Stillwater Cost Of Living Vs. Oklahoma
Six factors go into calculating the cost of living index in Stillwater. Here is how it fares on each of the criteria:
The Services index in Stillwater is 97.
The Groceries index in Stillwater is 91.
The Health index in Stillwater is 101.
The Housing index in Stillwater is 95.
The Transportation index in Stillwater is 94.
The Utilities index in Stillwater is 94.
| Living Expense | Stillwater | Oklahoma | National Average |
|---|---|---|---|
| Overall | 96 | 88 | 100 |
| Services | 97 | 96 | 100 |
| Groceries | 91 | 95 | 100 |
| Health | 101 | 69 | 100 |
| Housing | 95 | 98 | 100 |
| Transportation | 94 | 96 | 100 |
| Utilities | 94 | 92 | 100 |
Stillwater Cost Of Living Compared To Oklahoma Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Oklahoma, check out:
Protect your home budget Compare home warranties in Stillwater Get matched →Source: Cost-of-living index 2026, normalized to US average = 100
Stillwater, OK Housing Cost Breakdown
Housing swings affordability the most between places in Oklahoma, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Stillwater is $263,397.
The Median Rent in Stillwater is $947.
The Median Income in Stillwater is $43,700.
The Home Value To Income in Stillwater is 6.0x.
The Rent To Monthly Income in Stillwater is 0.26x.
| Statistic | Stillwater | Oklahoma | United States |
|---|---|---|---|
| Median Home Value | $263,397 | $220,467 | $332,700 |
| Median Rent | $947 | $1,014 | $1,413 |
| Median Income | $43,700 | $65,039 | $80,734 |
| Home Value To Income | 6.0x | 3.4x | 4.1x |
| Rent To Monthly Income | 0.26x | 0.19x | 0.21x |
Stillwater, OK Costs By Category
Detailed Stillwater Services costs vs. Oklahoma
| Item | Stillwater | Oklahoma |
|---|---|---|
| Shampoo | $1.35 | $1.28 |
| Movie | $11.39 | $12.13 |
| Bowling | $12.54 | $18 |
| Haircut | $18.7 | $24.26 |
| Beauty Salon | $33.25 | $45.56 |
Detailed Stillwater Groceries costs vs. Oklahoma
| Item | Stillwater | Oklahoma |
|---|---|---|
| Ground Beef | $6.1 | $5.84 |
| Fried Chicken | $1.39 | $1.57 |
| Milk | $4.51 | $4.67 |
| Potatoes | $5.31 | $4.93 |
| Pizza | $12.79 | $12.09 |
| Beer | $9.86 | $10.41 |
| Toothpaste | $3.48 | $3.7 |
Detailed Stillwater Health costs vs. Oklahoma
| Item | Stillwater | Oklahoma |
|---|---|---|
| Optometrist | $150.54 | $125.68 |
| Doctor | $125.86 | $135.78 |
| Dentist | $102.28 | $113.29 |
Detailed Stillwater Transportation costs vs. Oklahoma
| Item | Stillwater | Oklahoma |
|---|---|---|
| Gasoline | $3.09 | $3.46 |
| Tire Balancing | $62.19 | $59.92 |
Detailed Stillwater Utilities costs vs. Oklahoma
| Item | Stillwater | Oklahoma |
|---|---|---|
| All Electricity | $185.04 | $193.99 |
| Phone | $195.54 | $192.25 |
Stillwater SnackAbility
Cost Of Living In Cities Around Stillwater
The cost of living varies in the cities and towns around Stillwater. Here's a quick look at the cost of living in the most populous nearby places:
Edmond, OK has a cost of living index of 106, 1.1x Stillwater.
Enid, OK has a cost of living index of 87, 0.9x Stillwater.
Choctaw, OK has a cost of living index of 99, 1.0x Stillwater.
| City | Population | Cost Of Living | Vs. Stillwater |
|---|---|---|---|
| Edmond, OK | 96,825 | 106 | 1.1x |
| Enid, OK | 50,653 | 87 | 0.9x |
| Choctaw, OK | 12,303 | 99 | 1.0x |
| Guthrie, OK | 11,243 | 90 | 0.9x |
| Cushing, OK | 8,367 | 84 | 0.9x |
| Piedmont, OK | 8,342 | 105 | 1.1x |
| Harrah, OK | 6,684 | 92 | 1.0x |
| Blackwell, OK | 6,042 | 81 | 0.8x |
