Cost of Living in Lincoln County, Oklahoma
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Lincoln County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Lincoln County ranks #1,938 of 3,144 counties for affordability (bottom 38%)
Data Story
About Cost of Living in Lincoln County, Oklahoma
Lincoln renters spend less than most Americans
At 15.3%, Lincoln County's rent-to-income ratio sits well below the national average of 30%, meaning renters here dedicate a smaller share of their earnings to housing. The median household income of $59,425 is also within reach of most working families, though it trails the national median by $15,330.
More affordable than most Oklahoma counties
Lincoln County ranks favorably within Oklahoma, where the state average rent-to-income ratio is 17.0%—Lincoln's 15.3% beats that mark. Renters here pay $760 monthly, $54 less than the state median of $814.
Among the cheaper options in the region
Lincoln's $760 rent is competitive with nearby Major County ($619) but lower than Love County ($903) and significantly cheaper than McClain County ($964). The median home value of $152,000 positions Lincoln as an affordable ownership option compared to its higher-value neighbors.
Balanced costs across tenure types
Renters spend $760 monthly while homeowners pay $700 for mortgage and taxes, creating roughly equal housing burden at 15.3% for renters and 14.1% for owners. With median income at $59,425, housing costs remain manageable for both renter and owner households.
Consider Lincoln for rural affordability
If you're relocating from a higher-cost metro area, Lincoln County offers stable housing costs without sacrifice—rents and home values stay reasonable while income stretches further. Compare it to nearby Major County for rent or McClain County if you're house-hunting near the Oklahoma City region.
Cost of Living Advisory: Lincoln County
Affordability Verdict
Housing in Lincoln County is affordable. The median rent is $760/month against a median household income of $59,425, putting rent at 15.3% of income.
Rent vs. Own
At $760/month rent versus $700/month in owner costs, owning is roughly $60/month cheaper — a 8% difference.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $30,400/year. For owner costs at the 28% rule, the required income is roughly $30,000/year. With a median household income of $59,425, most households can comfortably afford rent here. Notably, 26.0% of renter households in Lincoln County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Lincoln County sits 6% less expensive than Okmulgee County ($811/month) in terms of median gross rent.
Affordability Calculator
See how your income compares to housing costs in Lincoln County
Rent Burden
15.3%
of gross income
Max Housing (28% Rule)
$1,387
per month
Owner Cost Burden
14.1%
of gross income
You can likely afford the median home in Lincoln County
Median home value is $152,000. Estimated monthly cost: $1,213 vs. your max of $1,387.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.
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