Oklahoma · Census, HUD and BEA figures · Updated

Cost of Living in Osage County, OK

Prices around Osage County, OK run 10.8% below the U.S. average (BEA, the metro area). The typical household there earns $62,847 a year, and HUD puts a two-bedroom at $1,217 a month. Keeping that rent under 30% of income takes about $48,680 a year.

Osage County, OK at a glance

Median household income

$62,847$5,237 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$1,217HUD FY2026 Fair Market Rent
Price level (U.S. = 100)89.2-10.8% · BEA, the metro area
Electricity14.3¢per kWh · EIA Residential OK
Population45,997Census ACS 5-year estimate

How much rent can you afford in Osage 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$1,217Monthly market rent
Share of gross income23.2%Recommended max: 30%
Annual income needed$48,680To meet the 30% standard
Max affordable rent$1,571At 30% of $62,847
0%30% (Affordability standard)100%
Compare against:

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

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

HUD Fair Market Rent in Osage County, OK, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$933$11,196$37,32017.8%
1-Bedroom Apartment$987$11,844$39,48018.8%
2-Bedroom ApartmentBenchmark$1,217$14,604$48,68023.2%
3-Bedroom Home$1,602$19,224$64,08030.6%
4-Bedroom Home$1,858$22,296$74,32035.5%

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

What a typical income covers in Osage County, OK

The 50/30/20 rule applied to the local median of $62,847 a year ($5,237 a month before tax).

Needs (50%)$2,619/moRent ($1,217 2-BR), utilities (~$129/mo), groceries, transit
Wants (30%)$1,571/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$1,047/moEmergency fund, retirement, paying down loans

What $62,847 leaves after Oklahoma taxes

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

$62,847
$25,000$130,000
Filing status:
Gross salary breakdown$62,847
Net 80%
Fed 9%
OK 4%
FICA 8%
Annual take-home$50,395After all taxes
Monthly deposit$4,200Estimated per month
Biweekly paycheck$1,938Every 2 weeks (26/yr)
Effective tax rate19.8%Total tax burden
Federal income tax$5,362 / yr
Oklahoma state income tax$2,283 / yr
FICA (Social Security & Medicare)$4,808 / yr

Living in Osage County, OK: common questions

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

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Osage County, OK is $62,847 per year (approximately $5,237 per month).

What is the average rent in Osage County, OK?

The closest official figure is HUD's Fair Market Rent for 2026: $933 for a studio, $987 for one bedroom, $1,217 for two, $1,602 for three and $1,858 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 Osage County, OK expensive to live in?

Prices there run 10.8% below the U.S. average. BEA's regional price parity for the metro area is 89.2, 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 Osage County, OK?

To keep a $1,217 two-bedroom under 30% of gross income, a household needs about $48,680 a year, or $4,057 a month. That is 77% of what the typical household in Osage County, OK earns.

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

On the local median income of $62,847 ($5,237 a month before tax), the 50/30/20 rule leaves $2,619 a month for needs like rent, utilities and groceries, $1,571 for everything else and $1,047 for savings or debt. A two-bedroom at $1,217 takes 46% of the needs share.

How much is the electric bill in Osage 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.