Cost of Living in Stephens County, Oklahoma
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Stephens County Compares
Median monthly rent comparison
Detailed Housing Stats
Data Story
About Cost of Living in Stephens County, Oklahoma
Stephens County approaches affordability threshold
Stephens County's 17.2% rent-to-income ratio sits just above Oklahoma's state average, placing renters near the edge of comfort—economists recommend spending no more than 30% on housing, and Stephens leaves reasonable margins. At $865/month against $60,236 median income, the county offers moderate affordability.
Middle-of-the-road affordability for Oklahoma
Stephens County's 17.2% rent-to-income ratio matches Oklahoma's state average of 17.0%, placing it squarely in the middle tier for affordability across the state. This reflects a balance between modest rents and respectable incomes that characterizes many rural Oklahoma counties.
Pricier than panhandle partners, cheaper than metros
Stephens County's $865 monthly rent exceeds Roger Mills ($708) and Tillman ($704) but trails Texas County ($939) and Tulsa ($1,060). The county positions itself as a mid-tier rental market, neither the panhandle's bargain nor the urban centers' premium pricing.
Renters and owners both share burden
Renters spend $865/month (17.2% of income) while homeowners pay $740/month (14.7% of income) on median household earnings of $60,236. Stephens County offers a reasonable balance between rental and ownership costs, with both paths consuming less than 20% of household income.
Stephens County balances cost and comfort
If you earn near Stephens County's $60,236 median income, your 17.2% rent burden sits at Oklahoma's state average—manageable but not extraordinary. Compare this to Roger Mills' 13.6% ratio for potential savings, or accept Stephens as a solid middle option if proximity to town amenities justifies slightly higher housing costs.
Affordability Calculator
See how your income compares to housing costs in Stephens County
Rent Burden
17.2%
of gross income
Max Housing (28% Rule)
$1,406
per month
Owner Cost Burden
14.7%
of gross income
You can likely afford the median home in Stephens County
Median home value is $135,100. Estimated monthly cost: $1,079 vs. your max of $1,406.
Rent Affordability Guide
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.