Muskogee, OK vs Ponca City, OK: Cost of Living

Which city costs less?

Ponca City, OK has a modeled overall cost index 2.6% lower than Muskogee, OK.

Muskogee, OK · modeled 2BR rent
$990 / month
Ponca City, OK · modeled 2BR rent
$950 / 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 Muskogee, OK and Ponca City, 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: $129/month in Ponca City, OK

$150,000 in your current city has a modeled equivalent of $148,447 in Ponca City, OK

Regional cost estimates: Muskogee, OK uses Tulsa, OK. Ponca City, OK uses Wichita, KS. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 2.6%
Less expensive
Monthly Impact
$129
Savings
Annual Impact
$1.6K
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.

Muskogee, OK

Population:37K
Cost Index:
82.5
100 = national average
Typical Home:$134K

Ponca City, OK

Population:24K
Cost Index:
80.4
100 = national average
Typical Home:$148K

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Muskogee, OK

The Sooner State

37K
Population
State Tax
Yes

Located in Oklahoma, this city has a population of 37K residents.

Ponca City, OK

The Sooner State

24K
Population
State Tax
Yes

Located in Oklahoma, this city has a population of 24K residents.

Cost Breakdown by Category

Estimated monthly spending: Muskogee, OK vs Ponca City, 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
↓ 4.1%
Muskogee, OK
$1,941
Ponca City, OK
$1,860
Difference
$80.40
less
Transportation
↓ 4.7%
Muskogee, OK
$1,413
Ponca City, OK
$1,347
Difference
$66.29
less
Other
↓ 3.4%
Muskogee, OK
$1,903
Ponca City, OK
$1,838
Difference
$64.95
less
Healthcare
↑ 9.8%
Muskogee, OK
$615
Ponca City, OK
$675
Difference
$60.16
more
All Utilities
↑ 9.3%
Muskogee, OK
$568
Ponca City, OK
$621
Difference
$52.88
more
Groceries
↓ 2.9%
Muskogee, OK
$1,061
Ponca City, OK
$1,031
Difference
$30.84
less

🏠Rent Comparison

Studio
From$750
To$675
↓ $75.00
1 Bed
From$755
To$735
↓ $20.00
2 Bed
From$990
To$950
↓ $40.00
3 Bed
From$1,245
To$1,265
↑ $20.00
Muskogee, OKZIP-level data

1BR range: $740–$770/mo

Ponca City, OKZIP-level data

1BR range: $730–$740/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 Muskogee, OK
$7,371
Monthly in Ponca City, OK
$129
Difference

Home Values

Muskogee
Ponca City
$134K
Median Value
$148K
↓ -3.9%
YoY Change
↑ +4%
↑ +34%
5-Year Change
↑ +29.4%
$115K - $152K
Price Range
$85K - $210K

Homes in Ponca City are 10% more expensive than Muskogee

Calculate payment - MuskogeeCalculate payment - Ponca City

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
→ $0
Same taxes
Monthly Difference
$0
Same take-home
Effective Rate Diff
0.0%
Rate difference

Muskogee, 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

Ponca City, 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

Muskogee, OK Tax Rates

Sales Tax:8.9%
Property Tax:0.9%

Ponca City, 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

Muskogee
Ponca City
51 Moderate
Air Quality
43 Good
48.4%
Good Air Days
75.1%
98 High
Climate Risk
97 High
🌊🌡🌪
Top Hazards
🌊🌡🌪
▲+3.0°F
2050 Outlook
▲+3.1°F
61 days
Heat Days >95°F
61 days
▲+3.0°F
2050 Outlook
▲+3.1°F
61 days
Heat Days >95°F
61 days

Before moving from Muskogee, OK to Ponca City, 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 Ponca City, OK for the same bedroom count and included utilities as your home in Muskogee, OK. 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 Muskogee to Ponca City moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Muskogee, OK vs Ponca City, OK

How do the cost estimates for Muskogee, OK and Ponca City, OK compare?

Ponca City, OK has a modeled overall cost index 2.6% lower than Muskogee, OK. 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 Muskogee, OK, the model estimates $148,447 in Ponca City, 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 Muskogee, OK and Ponca City, OK?

The modeled two-bedroom rents are $990/month in Muskogee, OK and $950/month in Ponca City, 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.

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