Oklahoma · Census, HUD and BEA figures · Updated

Cost of Living in McClain County, OK

Prices around McClain County, OK run 9.6% below the U.S. average (BEA, the metro area). The typical household there earns $84,552 a year, and HUD puts a two-bedroom at $1,244 a month. Keeping that rent under 30% of income takes about $49,760 a year.

McClain County, OK at a glance

Median household income

$84,552$7,046 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$1,244HUD FY2026 Fair Market Rent
Price level (U.S. = 100)90.4-9.6% · BEA, the metro area
Electricity14.3¢per kWh · EIA Residential OK
Population45,273Census ACS 5-year estimate

How much rent can you afford in McClain County, OK?

HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.

Affordable (< 30% of income)
HUD Fair Market Rent$1,244Monthly market rent
Share of gross income17.7%Recommended max: 30%
Annual income needed$49,760To meet the 30% standard
Max affordable rent$2,114At 30% of $84,552
0%30% (Affordability standard)100%
Compare against:

How much is rent in McClain County, OK? By bedroom, 2026

HUD's fiscal 2026 Fair Market Rents for Oklahoma City, OK HUD Metro FMR Area, with the income each one takes if rent stays under 30% of it.

HUD Fair Market Rent in McClain County, OK, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$939$11,268$37,56013.3%
1-Bedroom Apartment$1,017$12,204$40,68014.4%
2-Bedroom ApartmentBenchmark$1,244$14,928$49,76017.7%
3-Bedroom Home$1,675$20,100$67,00023.8%
4-Bedroom Home$1,857$22,284$74,28026.4%

Rent in McClain County, OK, with the wage each unit needs →

What a typical income covers in McClain County, OK

The 50/30/20 rule applied to the local median of $84,552 a year ($7,046 a month before tax).

Needs (50%)$3,523/moRent ($1,244 2-BR), utilities (~$129/mo), groceries, transit
Wants (30%)$2,114/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$1,409/moEmergency fund, retirement, paying down loans

What $84,552 leaves after Oklahoma taxes

Federal income tax, Social Security, Medicare and Oklahoma tax on the local median income. Change the salary to see yours.

$84,552
$30,000$170,000
Filing status:
Gross salary breakdown$84,552
Net 77%
Fed 12%
OK 4%
FICA 8%
Annual take-home$65,053After all taxes
Monthly deposit$5,421Estimated per month
Biweekly paycheck$2,502Every 2 weeks (26/yr)
Effective tax rate23.1%Total tax burden
Federal income tax$9,771 / yr
Oklahoma state income tax$3,259 / yr
FICA (Social Security & Medicare)$6,468 / yr

Living in McClain County, OK: common questions

What is the median household income in McClain County, OK?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in McClain County, OK is $84,552 per year (approximately $7,046 per month).

What is the average rent in McClain County, OK?

The closest official figure is HUD's Fair Market Rent for 2026: $939 for a studio, $1,017 for one bedroom, $1,244 for two, $1,675 for three and $1,857 for four, utilities included.

It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.

Is McClain County, OK expensive to live in?

Prices there run 9.6% below the U.S. average. BEA's regional price parity for the metro area is 90.4, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.

How much do you need to earn to comfortably afford rent in McClain County, OK?

To keep a $1,244 two-bedroom under 30% of gross income, a household needs about $49,760 a year, or $4,147 a month. That is 59% of what the typical household in McClain County, OK earns.

How much do you need to live comfortably in McClain County, OK?

On the local median income of $84,552 ($7,046 a month before tax), the 50/30/20 rule leaves $3,523 a month for needs like rent, utilities and groceries, $2,114 for everything else and $1,409 for savings or debt. A two-bedroom at $1,244 takes 35% of the needs share.

How much is the electric bill in McClain County, OK?

Homes in Oklahoma paid 14.3¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $129. Your bill depends mostly on heating and cooling.