Pawhuska, OK vs Clayton, NM: Cost of Living

Which city costs less?

Clayton, NM has a modeled overall cost index 10.5% lower than Pawhuska, OK.

Pawhuska, OK · modeled 2BR rent
$940 / month
Clayton, NM · modeled 2BR rent
$970 / 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 Pawhuska, OK and Clayton, NM 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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Estimated savings: $545/month in Clayton, NM

$150,000 in your current city has a modeled equivalent of $143,456 in Clayton, NM

Regional cost estimates: Pawhuska, OK uses Tulsa, OK. Clayton, NM uses Colorado Springs, CO. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 10.5%
Less expensive
Monthly Impact
$545
Savings
Annual Impact
$6.5K
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.

Pawhuska, OK

Population:3K
Cost Index:
77.7
100 = national average
Typical Home:$102K

Clayton, NM

Population:3K
Cost Index:
69.6
100 = national average
Typical Home:$102K

Planning the move to Clayton?

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Pawhuska, OK

The Sooner State

3K
Population
State Tax
Yes

Located in Oklahoma, this city has a population of 3K residents.

Clayton, NM

The Land of Enchantment

3K
Population
State Tax
Yes

Located in New Mexico, this city has a population of 3K residents.

Cost Breakdown by Category

Estimated monthly spending: Pawhuska, OK vs Clayton, NM

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.

Other
↓ 19.1%
Pawhuska, OK
$1,886
Clayton, NM
$1,526
Difference
$360
less
Transportation
↓ 22.7%
Pawhuska, OK
$1,400
Clayton, NM
$1,082
Difference
$318
less
Housing
↑ 14.0%
Pawhuska, OK
$1,923
Clayton, NM
$2,192
Difference
$269
more
All Utilities
↓ 18.9%
Pawhuska, OK
$580
Clayton, NM
$470
Difference
$110
less
Groceries
↓ 4.4%
Pawhuska, OK
$1,084
Clayton, NM
$1,036
Difference
$48.00
less
Healthcare
↑ 3.3%
Pawhuska, OK
$628
Clayton, NM
$649
Difference
$20.96
more

🏠Rent Comparison

Studio
From$720
To$720
→ $0
1 Bed
From$760
To$770
↑ $10.00
2 Bed
From$940
To$970
↑ $30.00
3 Bed
From$1,230
To$1,330
↑ $100
Pawhuska, OKZIP-level data

1BR range: $760–$760/mo

Clayton, NMZIP-level data

1BR range: $770–$770/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 Pawhuska, OK
$6,955
Monthly in Clayton, NM
$545
Difference

Home Values

Pawhuska
Clayton
$102K
Median Value
$102K
↑ +0.6%
YoY Change
↓ -5.1%
↑ +18%
5-Year Change
↑ +8.4%

Homes in Clayton are 1% less expensive than Pawhuska

Calculate payment - PawhuskaCalculate payment - Clayton

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $209
Per year
Monthly Difference
$17.39
More take-home
Effective Rate Diff
0.1%
Rate difference

Pawhuska, 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

Clayton, NM

Federal Income Tax
Effective: 18.9%
$25.5K
New Mexico State Tax
Effective: 4.7%
$7.1K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.4%
$44.1K
Take-Home Pay
$8,826/month
$105.9K

Additional Tax Information

Pawhuska, OK Tax Rates

Sales Tax:8.9%
Property Tax:0.9%

Clayton, NM Tax Rates

Sales Tax:7.6%
Property Tax:0.8%

💡 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

Pawhuska
Clayton
51 Moderate
Air Quality
49 Good
48.4%
Good Air Days
55.2%
98 High
Climate Risk
94 Moderate
🌊🌡🌪
Top Hazards
🔥🌊🌪
▲+3.0°F
2050 Outlook
▲+3.0°F
61 days
Heat Days >95°F
9 days
▲+3.0°F
2050 Outlook
▲+3.0°F
61 days
Heat Days >95°F
9 days

Before moving from Pawhuska, OK to Clayton, NM

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

  1. Compare actual homes. Get current quotes in Clayton, NM for the same bedroom count and included utilities as your home in Pawhuska, 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 Pawhuska to Clayton moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Clayton, NM by cost, housing, population and region.

Frequently Asked Questions: Pawhuska, OK vs Clayton, NM

How do the cost estimates for Pawhuska, OK and Clayton, NM compare?

Clayton, NM has a modeled overall cost index 10.5% lower than Pawhuska, 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 Pawhuska, OK, the model estimates $143,456 in Clayton, NM. 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 Pawhuska, OK and Clayton, NM?

The modeled two-bedroom rents are $940/month in Pawhuska, OK and $970/month in Clayton, NM. 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 Oklahoma and New Mexico on TaxTakeHome.com

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