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City Housing Verdict

Claremore, OK

Manageable

Your dollar goes further in Claremore, OK — everyday costs run about 24% below the national average (Cost Index: 76). Housing is especially affordable: the median home is valued at $172,500, well under the $303,400 US median. The local median household income of $57,120 tends to stretch further here than in most parts of the country.

Claremore looks comparatively manageable for household relocation, with 21% rent burden, 3x home-price-to-income, and a housing index of 57. Use the assumptions below to test whether your own budget still stays in the safe range.Data Sources: U.S. Census Bureau ACS 2023 · BEA RPP 2023 · Zillow ZHVI

Data Updated: March 2026
Housing Feasibility Verdict
Safe

Based on your household income, housing mode, local rent, home value, property tax, and mortgage assumptions for Claremore.

Monthly Housing
$978/mo
Lower of rent or buy scenario
Housing Burden
21%
Healthy
Residual Cash
$3,282/mo
After housing and debt · $1,094/person
Rent vs Buy
Buying can be tested
Main pressure: home prices
Assumptions
Housing Mode
Confidence: MediumHome source: ACSRent source: ACSBEA proxy: msaHousehold size: 3Down payment: 20%Fixed burden: 31%
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Cost Index
76
Affordable
Based on housing costs · See methodology
Median Home Value
$172,500
Source: Census ACS
National: $303,400
Median Rent
$978/mo
Source: Census ACS
National: $1,348/mo
Household Income
$57,120
National: $78,538
Population
19,921
Purchasing Power
96
100 = national baseline

Cost of Living Breakdown

Each index uses 100 as the US national average. A score of 150 means 50% more expensive; 80 means 20% cheaper.

Housing Cost Index
57 / 100
43% below average
Rent Index
73 / 100
27% below average
Goods & Groceries
94 / 100
6% cheaper than average
Utilities
74 / 100
26% lower utility bills
Healthcare & Services
95 / 100
In line with national average
Overall Index
76
Affordable · 24% below average

Claremore Mortgage Calculator

Pre-filled with the local median home value of $172,500 and Oklahoma's property tax rate of 0.87%.

Household Housing Budget

Local median household income is shown only as a place-side affordability input. Personal salary, filing status, and take-home pay analysis belong in salary.city.

Local Household Income
$57,120
Census ACS place context
Rent Burden Estimate
21%
Typical annual rent / local household income
Home Price to Income
3x
Typical home value / local household income
Use this section to judge whether Claremore looks structurally manageable for a household budget. For a specific job offer, filing status, payroll taxes, or salary equivalence across cities, run the income-side decision in salary.city.

Property Tax in Claremore, OK

Est. Annual Property Tax
$1,501
Monthly Impact
$125
Added to your mortgage
Effective Rate
0.87%
National avg: ~1.00%

Oklahoma Place Tax Context

Tax TypeOklahomaNational Avg
Property Tax Rate0.87%1.00%
Top Income Tax Rate4.75%~5.0%
State Sales Tax8.97%~5.0%

Compare Claremore to Another City

Compare place-side costs such as housing, rent, groceries, utilities, services, and tax context.

Cost of Living Comparison

Compare place-side housing, rent, goods, services, and utility pressure between cities.

Claremore, OK
76
73
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Cost Index Comparison (100 = National Avg)

Housing CostsNational Avg: 100
Claremore, OK: 57
Rent Prices
73

FAQ: Living in Claremore

Is Claremore, OK an affordable place to live?+

Yes — everyday expenses in Claremore run about 24% below the US average (Cost Index: 76). Housing is especially affordable: the median home is valued around $172,500, compared to the $303,400 national median. Monthly rent is typically around $978, versus $1,348 nationally.

How does Claremore fit a household housing budget?+

Start with housing. Typical monthly rent is $978, while local median household income is $57,120. That implies a rent-burden proxy of about 21% before utilities and other costs. For a specific job offer, filing status, or take-home pay scenario, use salary.city.

How much are taxes in Claremore, OK?+

Oklahoma has a progressive state income tax with a top rate of 4.75%. The effective property tax rate is 0.87%. On a home worth $172,500, that translates to roughly $1,501 per year in property taxes. Sales tax (state + local) averages around 8.97% on everyday purchases.

How much does it cost to rent in Claremore, OK?+

The typical monthly rent in Claremore is around $978. That's roughly 27% lower than the $1,348 national median. For comparison, the median home value here is $172,500, so buyers should also factor in mortgage payments, property taxes, and insurance.

How much does a house cost in Claremore, OK?+

The median home in Claremore is valued at $172,500. With 20% down and a 6.5% mortgage rate, you'd be looking at roughly $872/month for principal and interest alone — before property taxes and insurance. About 54% of residents here own their homes.

Are groceries and utilities expensive in Claremore?+

Grocery prices in Claremore are more affordable compared to the rest of the US (index: 94, where 100 is the national average). Utility bills (electricity, gas, water) are below average (index: 74). Both help keep your monthly expenses lower than in many parts of the country.

What is Claremore, OK like to live in?+

Claremore is a small town with a population of about 19,921. The median age of residents is 36.2, which is close to the national median. The local poverty rate is 12.82%, near the national average of 12.4%.

Lower-Pressure Alternatives in Oklahoma

If Claremore feels tight, start with these same-state cities that look easier on rent burden or buy-side pressure.

Higher-Pressure Comparisons in Oklahoma

Use these city pages when you want to compare Claremore against tougher same-state markets before deciding whether the current city is already a stretch.

LC
Reviewed by LivabilityCalc Research Team
Financial Data Analysts · Census & Economic Data Specialists
Data Sources & Methodology
  • Real Estate & Housing: Zillow Home Value Index (ZHVI, Smoothed & Seasonally Adjusted) and Zillow Observed Rent Index (ZORI). Structural fallback utilizes U.S. Census Bureau ACS 5-Year Estimates.
  • Goods, Utilities & Services: U.S. Bureau of Economic Analysis (BEA) Metropolitan Area Regional Price Parities (MARPP), incorporating verified State Nonmetropolitan averages.
  • Mortgage Rates: Freddie Mac 30-Year Fixed Rate Mortgage Average in the United States (PMMS) via Federal Reserve Economic Data (FRED).
  • Tax Context: State-level property, sales, and income-tax context used for place-side relocation planning. Personal take-home pay and offer analysis are handled by salary.city.
  • Index Methodology: Weighting matrix derived from Bureau of Labor Statistics (BLS) Consumer Expenditure Surveys (CEX) distributional models. Baseline standardized at 100. (Read methodology details)
Last data update: March 2026 · Mortgage rates updated monthly