Oklahoma City wins overall by ~117% (COL index)
Cost of living: New York vs Oklahoma City (2026)
A $66,000 salary in New York buys roughly what $30,353 does in Oklahoma City (COL-adjusted). Your real trade-offs are taxes, rent, and day-to-day prices — we break them down and personalize below.
Your move simulator
Tell us about your household — we calculate your real annual savings.
Estimated annual swing
−$39,972/yr
Favoring Oklahoma City for this income & household (illustrative).
With the extra $3,331/mo, you could pay down a $15,000 card balance in ~5 months and still keep ~$400/mo for dining out.
Studio rent/mo
1BR rent/mo
2BR rent/mo
Median home price
Groceries index (100 = US avg)
Budget meal (1 person)
Mid-range dinner (2)
Monthly transit pass/mo
Gas price/gal
Car insurance/mo
Monthly utilities bundle/mo
Internet/mo
Median household income/yr
State income tax%
Sales tax (combined)%
Movie ticket
Gym membership/mo
Beer at restaurant
Overall COL index (100 = US avg)
Walk score / 100
| Category | New York New York | Oklahoma City Oklahoma | Who wins | Your impact at $66K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $2,800 | $900Wins | Oklahoma wins −$1,900/mo | $22,800/yr saves in Oklahoma |
| 1BR rent/mo | $3,500 | $1,100Wins | Oklahoma wins −$2,400/mo | $28,800/yr saves in Oklahoma |
| 2BR rent/mo | $4,800 | $1,400Wins | Oklahoma wins −$3,400/mo | $40,800/yr saves in Oklahoma |
| Median home price | $750K | $225KWins | Oklahoma wins −$525K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 115 | 93Wins | Oklahoma wins -22 | — |
| Budget meal (1 person) | $20 | $11Wins | Oklahoma wins −$9/mo | — |
| Mid-range dinner (2) | $85 | $48Wins | Oklahoma wins −$37/mo | $444/yr saves in Oklahoma |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $132 | $50Wins | Oklahoma wins −$82/mo | $984/yr saves in Oklahoma |
| Gas price/gal | $3.20 | $2.95Better | Oklahoma wins −$0.25 | — |
| Car insurance/mo | $285 | $155Wins | Oklahoma wins −$130/mo | $1,560/yr saves in Oklahoma |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $180 | $175Better | Oklahoma wins −$5/mo | — |
| Internet/mo | $75 | $55Wins | Oklahoma wins −$20/mo | $240/yr saves in Oklahoma |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $78KWins | $54K | New York wins −$24K more/yr | — |
| State income tax% | 6.9% | 4.8%Wins | Oklahoma wins -2.1 pp | $1,386/yr saves in Oklahoma |
| Sales tax (combined)% | 8.5%Better | 8.6% | New York wins +0.1 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $18.00 | $13.00Wins | Oklahoma wins −$5.00 | — |
| Gym membership/mo | $80 | $30Wins | Oklahoma wins −$50/mo | $600/yr saves in Oklahoma |
| Beer at restaurant | $9.00 | $5.00Wins | Oklahoma wins −$4.00 | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 187 | 86Wins | Oklahoma wins -101 | — |
| Walk score / 100 | 88Wins | 27 | New York wins -61 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Turn ~$1,392/yr tax difference into cash back
Oklahoma City fits your move math — cash-back cards stack on groceries, gas, and dining you're already doing.
Home + auto bundle
New state — new insurance rates
Bundling often saves hundreds/yr. Compare before you sign a lease in Oklahoma City.
High-yield savings
Park ~$28,800/yr rent savings at 4–5%+ APY
Don't let relocation cash sit at 0% — put it to work until closing day.
More ways to compare this move
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Open the full interactive tool to add up to 5 cities, drop in your salary, and see rent burden.
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While you’re comparing — don’t leave money on the table.
If cash is tight
Knock down high-interest debt first
A move has upfront costs — a balance transfer or personal loan can lower APR while you settle in.
If you're saving big
Invest the surplus on autopilot
Brokerages and robo-advisors help you dollar-cost average into the market with your new slack.
Frequently asked questions
Is New York cheaper than Oklahoma City?
No. Oklahoma City is 117% cheaper than New York based on overall cost of living indices (86 vs 187, where 100 = US average).
What is the average rent in New York vs Oklahoma City?
As of Q1 2026, the median 1-bedroom rent in New York is $3,500/month and in Oklahoma City is $1,100/month. New York is more expensive by 218%.
How much do I need to earn in Oklahoma City to match a $75,000 salary in New York?
To maintain a similar lifestyle, you would need approximately $34,492/year in Oklahoma City to match a $75,000 salary in New York. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — New York or Oklahoma City?
Oklahoma City has the lower state income tax rate at 4.8% vs 6.9%. The difference is 2.1 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from New York to Oklahoma City?
It depends on your priorities. Oklahoma City offers lower overall costs, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
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Salary equivalent: New York ↔ Oklahoma City
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