Cost of living in Payne County, OK
Population 82,290 · Last updated May 21, 2026
Cost breakdown
Single person, by category, per month.
Rent in Payne County
Fair Market Rents by bedroom count.
Source: HUD FMR FY2025
Income and earnings in Payne County
Annual earnings figures from the Census ACS.
Source: ACS 2019-2023 5-Year.
Home values in Payne County
Average values reported by homeowners.
Source: ACS 2019-2023 5-Year
Energy costs in Payne County
Estimated monthly electricity and gas costs.
Source: EIA
Healthcare in Payne County
Insurance premiums and coverage rates.
Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.
Taxes in Payne County
State and local tax rates for Oklahoma.
Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.
Transportation in Payne County
Commute patterns and estimated costs.
Source: ACS
Monthly cost estimates for Payne County
What it costs to live in Payne County each month.
- Rent $822
- Energy $184
- Water $55
- Groceries $310
- Transport $320
- Healthcare $480
- Federal tax $275
- State tax $107
- Rent $1,014
- Energy $221
- Water $65
- Groceries $514
- Transport $420
- Healthcare $864
- Federal tax $476
- State tax $194
- Rent $1,421
- Energy $276
- Water $75
- Groceries $779
- Transport $520
- Healthcare $1,350
- Childcare $1,200
- Federal tax $476
- State tax $194
Frequently asked questions about Payne County
Common questions about cost of living, rent and salary.
What is the average rent in Payne County?
In Payne County, OK, a one-bedroom apartment averages $822 per month, a two-bedroom averages $1,014 per month, a three-bedroom averages $1,421 per month, according to HUD Fair Market Rent data.
What is the average salary in Payne County?
In Payne County, OK, the average household income is $48,937 per year and individual earnings for full-time workers average $26,920 per year, according to U.S. Census Bureau data.
What is the cost of living in Payne County?
The estimated cost of living in Payne County, OK is approximately $2,553 per month for a single person, $3,768 for a couple, $6,291 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.
What is the sales tax rate in Payne County?
The combined sales tax rate in Payne County, OK is 8.97%, which includes the Oklahoma state rate of 4.50% plus an average local rate of 4.47%.
Is Payne County an affordable place to live?
Based on the data, a single person in Payne County, OK would need approximately $2,553 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $48,937 per year ($4,078 per month). Payne County has a moderate cost of living relative to local earnings.
How much does healthcare cost in Payne County?
The ACA marketplace benchmark premium in Payne County, OK is approximately $480 per month for an individual. Approximately 11.6% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.
What are house prices in Payne County?
The average home value in Payne County, OK is $217,700, with average annual property taxes of $1,884, according to U.S. Census Bureau data.
How does Payne County compare to other areas?
You can compare Payne County, OK with any other US county using our comparison tool at /compare. Payne County is in the Stillwater, OK metro area.
Other counties in Oklahoma
Browse the full list of counties in Oklahoma, ranked by cost of living.
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About this data
All figures on this page come from official U.S. government sources, listed below.
- HUD FMR FY2025
- ACS 2019-2023 5-Year
- EIA
- ACS + national avg
- ACS
- USDA + BEA RPP