Graham, TX vs Warr Acres, OK: Cost of Living

Which city costs less?

Warr Acres, OK has a modeled overall cost index 3.9% lower than Graham, TX.

Graham, TX · modeled 2BR rent
$1,060 / month
Warr Acres, OK · modeled 2BR rent
$1,130 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Graham, TX and Warr Acres, OK using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

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Numbers update automatically as you type

Estimated savings: $267/month in Warr Acres, OK

$150,000 in your current city has a modeled equivalent of $146,792 in Warr Acres, OK

Regional cost estimates: Graham, TX uses Fort Worth, TX. Warr Acres, OK uses Oklahoma City, OK. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 3.9%
Less expensive
Monthly Impact
$267
Savings
Annual Impact
$3.2K
Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Graham, TX

Population:9K
Cost Index:
82.2
100 = national average
Typical Home:$208K

Warr Acres, OK

Population:10K
Cost Index:
79.1
100 = national average
Typical Home:$209K

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Graham, TX

The Lone Star State

9K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 9K residents.

💡 Advantage: Texas has no state income tax!

Warr Acres, OK

The Sooner State

10K
Population
State Tax
Yes

Located in Oklahoma, this city has a population of 10K residents.

Cost Breakdown by Category

Estimated monthly spending: Graham, TX vs Warr Acres, OK

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Housing
↓ 9.7%
Graham, TX
$2,081
Warr Acres, OK
$1,880
Difference
$201
less
Other
↓ 3.2%
Graham, TX
$1,784
Warr Acres, OK
$1,728
Difference
$56.64
less
Transportation
↑ 3.9%
Graham, TX
$1,329
Warr Acres, OK
$1,380
Difference
$51.33
more
Healthcare
↓ 7.0%
Graham, TX
$675
Warr Acres, OK
$628
Difference
$46.93
less
All Utilities
↓ 2.7%
Graham, TX
$608
Warr Acres, OK
$592
Difference
$16.19
less
Groceries
↑ 0.2%
Graham, TX
$1,022
Warr Acres, OK
$1,025
Difference
$2.37
more

🏠Rent Comparison

Studio
From$800
To$855
↑ $55.00
1 Bed
From$810
To$925
↑ $115
2 Bed
From$1,060
To$1,130
↑ $70.00
3 Bed
From$1,470
To$1,520
↑ $50.00
Graham, TXZIP-level data

1BR range: $810–$810/mo

Warr Acres, OKZIP-level data

1BR range: $910–$940/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500
Monthly in Graham, TX
$7,233
Monthly in Warr Acres, OK
$267
Difference

Home Values

Graham
Warr Acres
$208K
Median Value
$209K
↑ +2.8%
YoY Change
↓ -1%
↑ +46.5%
5-Year Change
↑ +30.5%
$208K
Price Range
$186K - $232K

Homes in Warr Acres are 1% more expensive than Graham

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $7.3K
More taxes
Monthly Difference
$607
Less take-home
Effective Rate Diff
4.9%
Rate difference

Graham, TX

Federal Income Tax
Effective: 18.9%
$25.5K
Texas State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Warr Acres, OK

Federal Income Tax
Effective: 18.9%
$25.5K
Oklahoma State Tax
Effective: 4.9%
$7.3K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.5%
$44.3K
Take-Home Pay
$8,809/month
$105.7K

Additional Tax Information

Graham, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

Warr Acres, OK Tax Rates

Sales Tax:8.9%
Property Tax:0.9%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Graham
Warr Acres
54 Moderate
Air Quality
52 Moderate
35.5%
Good Air Days
47%
99 High
Climate Risk
98 High
🌊🌡🌪
Top Hazards
🌊🌡🌪
▲+2.7°F
2050 Outlook
▲+3.1°F
94 days
Heat Days >95°F
67 days
▲+2.7°F
2050 Outlook
▲+3.1°F
94 days
Heat Days >95°F
67 days

Before moving from Graham, TX to Warr Acres, OK

Use this comparison to shortlist a move, then check the costs that depend on your household.

  1. Compare actual homes. Get current quotes in Warr Acres, OK for the same bedroom count and included utilities as your home in Graham, TX. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
  3. Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Graham to Warr Acres moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Warr Acres, OK by cost, housing, population and region.

Frequently Asked Questions: Graham, TX vs Warr Acres, OK

How do the cost estimates for Graham, TX and Warr Acres, OK compare?

Warr Acres, OK has a modeled overall cost index 3.9% lower than Graham, TX. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Graham, TX, the model estimates $146,792 in Warr Acres, OK. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Graham, TX and Warr Acres, OK?

The modeled two-bedroom rents are $1,060/month in Graham, TX and $1,130/month in Warr Acres, OK. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Texas and Oklahoma on TaxTakeHome.com

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