Cost of Living in Osage County, Oklahoma
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Osage County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Osage County ranks #2,892 of 3,144 counties for affordability (bottom 8%)
Data Story
About Cost of Living in Osage County, Oklahoma
Osage County rents beat national affordability
Osage County residents spend 15.6% of household income on rent, well below the national norm and nearly matching the benchmark that housing experts consider affordable. With a median household income of $60,482—about 19% below the U.S. median of $74,755—renters here still enjoy stronger affordability than their national counterparts.
Best rent affordability in Oklahoma
Osage County's 15.6% rent-to-income ratio ranks among Oklahoma's most affordable counties, beating the state average of 17.0% by 1.4 percentage points. This advantage reflects both modest rental costs ($786/month vs. the state average of $814) and competitive household incomes.
Cheaper rents than surrounding counties
Osage County's median rent of $786 undercuts nearby Pawnee County ($872) and Payne County ($922), though it slightly trails Pontotoc County ($880). For renters prioritizing affordability, Osage offers stable housing costs without sacrificing access to regional amenities.
Balanced housing costs in Osage
Renters pay $786 monthly while homeowners invest $801 in mortgage costs, leaving the typical household with $5,040 left over each month after housing expenses. The median home value of $172,300 remains within reach for middle-income buyers looking to build equity.
Consider Osage for stable housing costs
If you're relocating to Oklahoma and prioritize affordability, Osage County delivers below-average rent ratios without the college-town premium of neighboring Payne County. Compare your household income against the $60,482 median to gauge your real purchasing power in this market.
Cost of Living Advisory: Osage County
Affordability Verdict
For renters in Osage County, the market is affordable. Expect to pay around $786/month in gross rent, with 28.0% of renter households considered cost-burdened.
Rent vs. Own
At $786/month rent versus $801/month in owner costs, renting is roughly $15/month cheaper — a 2% difference.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $31,440/year. For owner costs at the 28% rule, the required income is roughly $34,329/year. With a median household income of $60,482, most households can comfortably afford rent here. Notably, 28.0% of renter households in Osage County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Osage County sits 7% more expensive than Johnston County ($732/month) in terms of median gross rent.
Affordability Calculator
See how your income compares to housing costs in Osage County
Rent Burden
15.6%
of gross income
Max Housing (28% Rule)
$1,411
per month
Owner Cost Burden
15.9%
of gross income
You can likely afford the median home in Osage County
Median home value is $172,300. Estimated monthly cost: $1,376 vs. your max of $1,411.
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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