Cost of Living in Pontotoc County, Oklahoma
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Pontotoc County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Pontotoc County ranks #2,296 of 3,144 counties for affordability (bottom 27%)
Data Story
About Cost of Living in Pontotoc County, Oklahoma
Pontotoc County nearly matches national affordability
Pontotoc County renters spend 16.9% of household income on rent, just above the 15% affordability benchmark and competitive with national norms. With a median household income of $62,564—16% below the U.S. median—the county achieves solid housing affordability for renters.
Nearly matches Oklahoma's state average
Pontotoc County's 16.9% rent-to-income ratio sits just 0.1 percentage points below Oklahoma's 17.0% state average, placing it squarely at the state norm for affordability. The county achieves this balance through slightly above-average rent ($880) paired with above-average household income ($62,564).
Higher income, moderate rent burden
Pontotoc County's $62,564 median household income is among the highest in this group, allowing residents to absorb rent costs of $880 more comfortably than lower-income peers. Compared to Osage County ($60,482 income), Pontotoc has $2,082 more annual household income to work with.
Balanced housing costs across tenures
Renters spend $880 monthly (16.9% of income) while homeowners pay $842, with both tenure types consuming roughly similar income shares. The median home value of $170,500 remains accessible for buyers earning near the county median.
Pontotoc balances income and housing costs
If relocating to Oklahoma, Pontotoc County offers near-average state affordability with slightly above-average incomes—a stable combination for renters and buyers alike. Compare your household income to the $62,564 median to assess whether you'll enjoy above-average or below-average housing affordability in the county.
Cost of Living Advisory: Pontotoc County
Affordability Verdict
Pontotoc County is affordable for renters, with a median gross rent of $880/month representing approximately 16.9% of median household income. The rent burden (GRAPI) stands at 24.0%.
Rent vs. Own
The median rent in Pontotoc County is $880/month, while owner costs run $842/month. Owning saves approximately $38/month.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $35,200/year. For owner costs at the 28% rule, the required income is roughly $36,086/year. With a median household income of $62,564, most households can comfortably afford rent here. Notably, 24.0% of renter households in Pontotoc County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Compared to Garvin County where rent averages $828/month, Pontotoc County is approximately 6% more expensive.
Affordability Calculator
See how your income compares to housing costs in Pontotoc County
Rent Burden
16.9%
of gross income
Max Housing (28% Rule)
$1,460
per month
Owner Cost Burden
16.1%
of gross income
You can likely afford the median home in Pontotoc County
Median home value is $170,500. Estimated monthly cost: $1,361 vs. your max of $1,460.
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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