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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd save $970/month moving to Norman, OK

$150.0K in your current city equals $138.4K in Norman, OK

Rent data from HUD ZIP-level estimates Β· COL index from area
Overall Cost
↓ 12.9%
Less expensive
Monthly Impact
$970
Savings
Annual Impact
$11.6K
Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Killeen, TX

Population:160K
Cost Index:
100
100 = national average
Median Home:$118K

Norman, OK

Population:130K
Cost Index:
87
(13% below avg)
Median Home:$236K

Killeen, TX

The Lone Star State

160K
Population
State Tax
No Income Tax

Located in Texas, this city has a population of 160K residents.

πŸ’‘ Advantage: Texas has no state income tax!

Norman, OK

The Sooner State

130K
Population
State Tax
Yes

Located in Oklahoma, this city has a population of 130K residents.

Cost Breakdown by Category

Annual spending: Killeen, TX vs Norman, OK

Housing
↓ 31.3%
Killeen, TX
$2,427
Norman, OK
$1,668
Difference
$759
less
Other
↓ 5.8%
Killeen, TX
$1,627
Norman, OK
$1,532
Difference
$94.99
less
Groceries
↓ 4.8%
Killeen, TX
$927
Norman, OK
$883
Difference
$44.66
less
Healthcare
↓ 4.9%
Killeen, TX
$569
Norman, OK
$541
Difference
$27.78
less
Transportation
↑ 2.0%
Killeen, TX
$1,200
Norman, OK
$1,224
Difference
$23.85
more
All Utilities
↓ 2.6%
Killeen, TX
$523
Norman, OK
$510
Difference
$13.45
less

🏠Rent Comparison

Studio
From$715
To$794
↑ $79.00
1 Bed
From$723
To$860
↑ $137
2 Bed
From$898
To$1,057
↑ $159
3 Bed
From$1,247
To$1,425
↑ $178
Killeen, TXZIP-level data

1BR range: $910–$910/mo

Norman, OKZIP-level data

1BR range: $990–$1,080/mo

πŸ’‘ Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,274
Monthly in Killeen, TX
$6,358
Monthly in Norman, OK
$916
Difference

Home Values

Killeen
Norman
$118K
Median Value
$236K
↓ -4.5%
YoY Change
↑ +2.1%
↑ +31.2%
5-Year Change
↑ +36.8%
$118K
Price Range
$219K - $311K

Homes in Norman are 99% more expensive than Killeen

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

Killeen, 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

Norman, 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

Killeen, TX Tax Rates

Sales Tax:8.2%
Property Tax:1.8%

Norman, OK Tax Rates

Sales Tax:8.9%
Property Tax:0.9%

πŸ’‘ 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

Killeen
Norman
52 Moderate
Air Quality
52 Moderate
42.6%
Good Air Days
47%
98 High
Climate Risk
98 High
🌊🌑πŸŒͺ
Top Hazards
🌊🌑πŸŒͺ
β–²+2.5Β°F
2050 Outlook
β–²+3.1Β°F
98 days
Heat Days >95Β°F
67 days
β–²+2.5Β°F
2050 Outlook
β–²+3.1Β°F
98 days
Heat Days >95Β°F
67 days

What to Consider When Moving from Killeen, TX to Norman, OK

Relocating from Killeen, TX to Norman, OK involves more than just comparing rent prices. While the overall cost of living is about 13% lower in Norman, OK, your actual experience will depend on your lifestyle, job situation, and priorities. Here are the key factors to weigh before making the move.

Housing & Rent

Housing is typically the largest line item in any budget, and it’s where the biggest differences show up between cities. In this comparison, housing in Norman, OK is 31% cheaper than in Killeen, TX. Keep in mind that neighborhood choice within a city can swing rent by 30–50%, so research specific areas β€” not just city averages β€” before signing a lease. If you’re buying, factor in property tax rates, which vary significantly by county and state.

Job Market & Salary Adjustments

A lower cost of living doesn’t help if your salary drops proportionally. Before committing to a move, research whether employers in Norman, OK pay comparable wages for your role. Remote workers may keep their current salary, but some companies adjust pay based on location. Use the salary calculator above to see what you’d need to earn in Norman, OK to match your current standard of living in Killeen, TX.

Taxes & Take-Home Pay

State income tax, property tax, and sales tax all affect how far your paycheck stretches. Some states have no income tax but make up for it with higher property or sales taxes. The tax comparison section above breaks down how your take-home pay would change. Don’t forget about vehicle registration fees, tolls, and other state-specific costs that add up over a year.

Quality of Life & Lifestyle Fit

Numbers only tell part of the story. Consider climate preferences, commute times, proximity to family, school quality if you have children, healthcare access, and the general β€œfeel” of a city. A place that’s 15% cheaper might not be worth it if it means a longer commute or fewer amenities you value. If possible, visit Norman, OK for a week before making a final decision β€” experiencing the day-to-day rhythm matters more than any spreadsheet.

Frequently Asked Questions: Killeen, TX vs Norman, OK

Is Norman, OK cheaper than Killeen, TX?

Yes, Norman, OK is about 12.9% cheaper than Killeen, TX. You could save approximately $970/month on a $150,000 salary. Housing costs are 31% lower in Norman, OK.

What salary do I need in Norman, OK to match my lifestyle in Killeen, TX?

If you currently earn $150,000 in Killeen, TX, you would need approximately $138,364 in Norman, OK to maintain the same standard of living. This accounts for differences in housing, groceries, transportation, utilities, healthcare, and other typical expenses. Use the salary input above to adjust this based on your actual income.

How does rent compare between Killeen, TX and Norman, OK?

A two-bedroom apartment averages $898/month in Killeen, TX compared to $1,057/month in Norman, OK. One-bedroom apartments are $723/month in Killeen, TX vs $860/month in Norman, OK. These are area-wide medians β€” specific neighborhoods can vary significantly. Check the ZIP-level rent breakdown above for more granular data.

Are groceries more expensive in Killeen, TX or Norman, OK?

Groceries are about 5% cheaper in Norman, OK than in Killeen, TX, saving a typical household roughly $44.66/month on food.

What is the best time to move from Killeen, TX to Norman, OK?

Most people find that moving during the off-season (October through March) results in lower moving costs, since demand for movers and rental trucks drops. If you're renting, you may also find more negotiable lease terms during winter months. However, if you have school-age children, summer moves allow for a smoother school transition. For the best combination of availability and price, consider moving in early fall or late spring.

πŸ’° See how taxes change too β€” compare take-home pay between Texas and Oklahoma on TaxTakeHome.com

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