Cost of Living in Tulsa, OK
Tulsa's cost of living index is 86 — making it 16.3% more affordable than the US national average. To maintain your current standard of living here, you would need to earn $86,000 for every $100,000 of national-average income.
The Tulsa Tax & Cost Impact
Tulsa offers a balanced tax profile. While Oklahoma does have an income tax, it remains competitive compared to coastal hubs, especially when adjusted for local housing costs.
Decision Matrix
- ✓Housing: Housing is a value-play compared to national tiers.
- ✓Savings Rate: To save $2,000/mo here, you need a gross household income of ~$72,240.
COL Index
86
100 = national avg
Monthly Budget
$4,300
vs $5,000 national
Population
0.4M
Metro area
State Tax
Yes
Oklahoma
Monthly Cost Breakdown
Estimated monthly costs in Tulsa vs national average for a typical household.
| Category | National Avg | Tulsa | Difference |
|---|---|---|---|
| Housing | $1,650 | $1,304 | -$346 |
| Groceries | $650 | $577 | -$73 |
| Transportation | $800 | $699 | -$101 |
| Healthcare | $400 | $361 | -$39 |
| Utilities | $300 | $258 | -$42 |
| Other | $1,200 | $1,066 | -$134 |
| Total | $5,000 | $4,300 | -$700 |
Estimated Budget: Single vs. Family of Four
Estimates from LifeCalc's model, not surveyed prices. We treat the $5,000 national baseline as a family-of-four budget, scale each category by Tulsa's index (housing moves 1.5x as much as the index, groceries 0.8x, and so on), then apply assumed single-adult shares per category (housing 65%, groceries 30%, transportation 55%, healthcare 30%, utilities 60%, other 45%).
| Category | Single adult / mo | Family of four / mo |
|---|---|---|
| Housing | $848 | $1,304 |
| Groceries | $173 | $577 |
| Transportation | $384 | $699 |
| Healthcare | $108 | $361 |
| Utilities | $155 | $258 |
| Other | $480 | $1,066 |
| Total (estimate) | $2,148 | $4,265 |
For comparison, the same model gives about $2,548 (single) and $5,000 (family of four) at the national average. Tulsa is $735 below the family baseline each month.
Salary Needed and State Tax Context
Our dataset's median of state median household incomes is $77,871. Scaling that by Tulsa's index of 86 suggests you would need roughly $66,969 a year here to match that standard of living. This is a cost-of-living adjustment only; it does not adjust for your household or housing choices.
Oklahoma's top marginal income tax rate is 4.5%; on $66,969 our bracket data gives about $2,799 of state income tax for a single filer. Oklahoma's statewide cost index is 89 and its median household income is $66,148. See all Oklahoma tax brackets.
Closest cities by index
Salary Equivalent
To maintain the same standard of living in Tulsa, a national-average salary translates to:
$50,000 nationally
$43,000
$75,000 nationally
$64,500
$100,000 nationally
$86,000
$150,000 nationally
$129,000
What Your Salary Gets You in Tulsa
Here's how different salary levels translate to monthly purchasing power in Tulsa, OK, where the cost of living is 14% below the national average.
Cities With Similar Cost of Living
FAQ: Cost of Living in Tulsa
Is Tulsa expensive to live in?
Tulsa's cost of living index is 86, which is well below the national average of 100. Housing is typically the biggest factor, with estimated monthly rent around $1,419.
What salary do I need to live comfortably in Tulsa?
To maintain a middle-class lifestyle in Tulsa, you'd need approximately $64,500 per year, which is equivalent to a $75,000 salary at the national average cost of living.
How does Tulsa compare to other cities?
Tulsa is comparable in cost to Memphis, Lubbock, El Paso.