North Dakota vs Oklahoma Cost of Living
Purchasing power
Your $75,000 is worth different amounts in each state
$82,327
in North Dakota
$88,548
in Oklahoma
Each cell = 1% of purchasing power. Green = value, red = gap.
Spending breakdown
Estimated annual spending on a $75,000 salary
What things actually cost
Real dollar costs side by side
Category breakdown
| Category | North Dakota | Oklahoma | Difference |
|---|---|---|---|
| Housing | 75.7 | 68.8 | +10% |
| Groceries | 96.8 | 95.4 | +1% |
| Utilities | 83.2 | 98.2 | -15% |
| Transportation | 99.9 | 88.8 | +13% |
| Healthcare | 108.8 | 97.1 | +12% |
| Dining & Misc | 99.2 | 87.6 | +13% |
| Overall | 91.1 | 84.7 | +8% |
Index values relative to national average (100). Positive difference = more expensive in North Dakota.
What things actually cost
| Item | North Dakota | Oklahoma | Difference |
|---|---|---|---|
| Median home price | $255,000 | $190,000 | +$65,000 |
| Average 2BR rent | $1,060/mo | $963/mo | +$97 |
| Gas price | $3.08/gal | $3.01/gal | +$0.07 |
| Electric bill | $70/mo | $81/mo | $10 |
| Infant childcare | $12,373/yr | $12,468/yr | $95 |
Salary equivalent: North Dakota → Oklahoma
What a North Dakota salary buys you in Oklahoma, adjusted for cost of living.
| Salary in North Dakota | Equivalent in Oklahoma | Difference |
|---|---|---|
| $50,000 | $46,487 | +$3,513 |
| $75,000 | $69,731 | +$5,269 |
| $100,000 | $92,975 | +$7,025 |
| $150,000 | $139,462 | +$10,538 |
| $200,000 | $185,950 | +$14,050 |
Positive = your money goes further in Oklahoma. Based on overall COL index ratio.
Based on MERIC/C2ER 2025 composite indices. Dollar amounts from AAA, EIA, Zillow, and Child Care Aware.
Overview
North Dakota is 8% more expensive than Oklahoma overall. North Dakota has an index of 91.1 vs 84.7 for Oklahoma (national average = 100).
FAQ
Is it cheaper to live in North Dakota or Oklahoma?
Oklahoma is cheaper to live in. North Dakota is 8% more expensive overall. The biggest driver is housing — median home prices are $255,000 in North Dakota vs $190,000 in Oklahoma.
Is Oklahoma cheaper than North Dakota?
Yes, Oklahoma is 8% cheaper than North Dakota overall based on the MERIC/C2ER cost-of-living index. Housing, groceries, and utilities all factor into the difference.
Is North Dakota more expensive than Oklahoma?
Yes, North Dakota is 8% more expensive than Oklahoma based on the MERIC/C2ER composite index. Housing is typically the largest factor in the difference.
What salary in Oklahoma equals $100,000 in North Dakota?
To maintain the same purchasing power as a $100,000 salary in North Dakota, you would need approximately $92,975 in Oklahoma. This is based on the overall cost-of-living index (91.1 vs 84.7).
How do housing costs compare between North Dakota and Oklahoma?
Housing is significantly cheaper in Oklahoma. Median home prices are $255,000 in North Dakota vs $190,000 in Oklahoma — a $65,000 difference. Average 2-bedroom rent is $1,060/mo vs $963/mo.
What costs more in North Dakota vs Oklahoma?
Utilities is 15% lower in North Dakota (index 83.2 vs 98.2). Healthcare is 12% higher in North Dakota (index 108.8 vs 97.1). Dining & Misc is 13% higher in North Dakota (index 99.2 vs 87.6).
Is gas cheaper in North Dakota or Oklahoma?
Gas averages $3.08/gallon in North Dakota and $3.01/gallon in Oklahoma — a $0.07 difference per gallon.
North Dakota vs Oklahoma cost of living — how do they compare?
North Dakota has an overall cost-of-living index of 91.1 and Oklahoma has 84.7 (national average = 100). North Dakota is 8% more expensive overall. Use the calculator above to see how this affects your specific salary.
How do taxes compare between North Dakota and Oklahoma?
Cost of living is only part of the picture — state income taxes also affect your take-home pay. North Dakota has a progressive income tax with very low rates, topping out at 2.50%. Oklahoma uses a progressive income tax with three brackets and a top rate of 4.50% for 2026 (reduced from 4.75% in 2025). Oklahoma has been gradually cutting its income tax rate — it was 5.0% as recently as 2022. Combined with low cost of living, Oklahoma offers strong purchasing power for mid-range salaries. Use the North Dakota vs Oklahoma paycheck comparison to see how a specific salary compares after federal and state taxes, FICA, and deductions.
Do I need to file state tax returns in North Dakota and Oklahoma?
North Dakota requires residents to file a state income tax return annually, typically due April 15. Oklahoma requires residents to file a state income tax return annually, typically due April 15. If you move between states mid-year, you typically file a part-year resident return in each state for the income earned while living there.
Where does this cost of living data come from?
Cost-of-living indices are from the MERIC/C2ER 2025 Annual Average. Dollar amounts use AAA gas prices (March 2025), EIA electricity rates (2024), Child Care Aware childcare costs (2024), Zillow home values (2024-2025), and BEA Regional Price Parities.
Related tools
- North Dakota Cost of Living — Housing, groceries, gas, and more
- Oklahoma Cost of Living — Housing, groceries, gas, and more
- North Dakota vs Oklahoma Paycheck Comparison — Compare take-home pay after taxes
- House Affordability in North Dakota — How much house can you afford?
- House Affordability in Oklahoma — How much house can you afford?
- North Dakota Tax Brackets — See 2026 marginal rates
- Oklahoma Tax Brackets — See 2026 marginal rates
- North Dakota Mortgage Calculator — Estimate monthly payments with local rates
- Oklahoma Mortgage Calculator — Estimate monthly payments with local rates
- North Dakota Bonus Tax Calculator — See how bonuses are taxed differently
- Oklahoma Bonus Tax Calculator — See how bonuses are taxed differently
- Gross-Up Calculator — Find the salary you need to hit a target take-home
- Salary to Hourly Converter — Convert annual salary to hourly rate
- Compare any two states
Based on MERIC/C2ER 2025 composite indices and publicly available price data. Cost of living varies significantly by metro area within a state. These are statewide averages.