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Ada, OK

Cost of living in Pontotoc County, OK

Estimated monthly cost
$2,785/mo
for a single person, all categories combined

Population 38,158 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $748 27%
Federal tax $522 19%
Healthcare $480 17%
Transport $320 11%
Groceries $310 11%
Energy $184 7%
State tax $166 6%
Water $55 2%

Rent in Pontotoc County

Fair Market Rents by bedroom count.

Studio
$743
per month
1 bedroom
$748
per month
2 bedroom
$981
per month
3 bedroom
$1,243
per month
4 bedroom
$1,358
per month

Source: HUD FMR FY2025

Income and earnings in Pontotoc County

Annual earnings figures from the Census ACS.

Household income
$62,564
per year
Individual earnings
$41,951
per year
Per capita
$32,176
per year

Source: ACS 2019-2023 5-Year.

Home values in Pontotoc County

Average values reported by homeowners.

Average home value
$170,500
Annual property tax
$1,067

Source: ACS 2019-2023 5-Year

Energy costs in Pontotoc County

Estimated monthly electricity and gas costs.

Electricity
$136
per month · 13¢/kWh
Natural gas
$48
per month
Annual total
$2,208
per year

Source: EIA

Healthcare in Pontotoc County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
17.1%

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 Pontotoc County

State and local tax rates for Oklahoma.

State income tax
4.8%
Flat rate
State sales tax
4.5%
Combined sales tax
9.0%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Pontotoc County

Commute patterns and estimated costs.

Average commute
18.0 min
Drive alone
84.2%
Public transit
0.2%
Work from home
3.7%

Source: ACS

Monthly cost estimates for Pontotoc County

What it costs to live in Pontotoc County each month.

Single person
$2,785
per month
  • Rent $748
  • Energy $184
  • Water $55
  • Groceries $310
  • Transport $320
  • Healthcare $480
  • Federal tax $522
  • State tax $166
Couple
$4,007
per month
  • Rent $981
  • Energy $221
  • Water $65
  • Groceries $514
  • Transport $420
  • Healthcare $864
  • Federal tax $694
  • State tax $248
Family
$6,385
per month
  • Rent $1,243
  • Energy $276
  • Water $75
  • Groceries $779
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $694
  • State tax $248

Frequently asked questions about Pontotoc County

Common questions about cost of living, rent and salary.

What is the average rent in Pontotoc County?

In Pontotoc County, OK, a one-bedroom apartment averages $748 per month, a two-bedroom averages $981 per month, a three-bedroom averages $1,243 per month, according to HUD Fair Market Rent data.

What is the average salary in Pontotoc County?

In Pontotoc County, OK, the average household income is $62,564 per year and individual earnings for full-time workers average $41,951 per year, according to U.S. Census Bureau data.

What is the cost of living in Pontotoc County?

The estimated cost of living in Pontotoc County, OK is approximately $2,785 per month for a single person, $4,007 for a couple, $6,385 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Pontotoc County?

The combined sales tax rate in Pontotoc County, OK is 8.97%, which includes the Oklahoma state rate of 4.50% plus an average local rate of 4.47%.

Is Pontotoc County an affordable place to live?

Based on the data, a single person in Pontotoc County, OK would need approximately $2,785 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $62,564 per year ($5,214 per month). Pontotoc County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Pontotoc County?

The ACA marketplace benchmark premium in Pontotoc County, OK is approximately $480 per month for an individual. Approximately 17.1% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Pontotoc County?

The average home value in Pontotoc County, OK is $170,500, with average annual property taxes of $1,067, according to U.S. Census Bureau data.

How does Pontotoc County compare to other areas?

You can compare Pontotoc County, OK with any other US county using our comparison tool at /compare. Pontotoc County is in the Ada, OK metro area.

Other counties in Oklahoma

Browse the full list of counties in Oklahoma, ranked by cost of living.

See all counties in Oklahoma

Compare Pontotoc County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

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
Methodology All data sources