Key Economic Benchmarks
Median Household Income
$63,017$5,251 per month · U.S. Census Bureau ACS 5-YearFair market rent & 30% rule in Pontotoc County, OK
Official HUD Fair Market Rents evaluated against local household income benchmarks.
2026 HUD Fair Market Rent Schedule: Pontotoc County, OK
Official FY2026 HUD Fair Market Rents for Pontotoc County, OK. Under the federal 30% housing affordability standard, housing costs are sustainable when they consume 30% or less of gross household income.
| Unit Size | Monthly Rent | Annual Rent | 30% Rule Min. Income | % of Median Income |
|---|---|---|---|---|
| Studio / Efficiency | $699 | $8,388 | $27,960 | 13.3% |
| 1-Bedroom Apartment | $758 | $9,096 | $30,320 | 14.4% |
| 2-Bedroom ApartmentBenchmark | $994 | $11,928 | $39,760 | 18.9% |
| 3-Bedroom Home | $1,230 | $14,760 | $49,200 | 23.4% |
| 4-Bedroom Home | $1,334 | $16,008 | $53,360 | 25.4% |
50/30/20 Living Budget in Pontotoc County, OK
Based on the local median household income of $63,017/year ($5,251/month), here is how a balanced budget allocates expenses:
Take-Home Pay & Tax Explorer in Oklahoma
Explore net income after federal income tax, FICA, and Oklahoma state income tax based on the local median baseline.
Related Regional & Financial Profiles
Compare earnings and living costs across Oklahoma with official federal datasets:
Frequently Asked Questions About Living in Pontotoc County, OK
What is the median household income in Pontotoc County, OK?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Pontotoc County, OK is $63,017 per year (approximately $5,251 per month).
What is the average rent in Pontotoc County, OK?
According to HUD Fair Market Rent (FMR) benchmarks for 2026, standard monthly rents in Pontotoc County, OK are $699 for a studio, $758 for 1 bedroom, $994 for 2 bedrooms, $1,230 for 3 bedrooms, and $1,334 for 4 bedrooms.
How does the cost of living in Pontotoc County, OK compare to the national average?
Based on the Bureau of Economic Analysis (BEA) Regional Price Parity index, the general price level in Pontotoc County, OK is 87.8 (12.2% lower than the U.S. national baseline of 100.0).
How much do you need to earn to comfortably afford rent in Pontotoc County, OK?
Under the standard 30% housing affordability standard, renting a median 2-bedroom home ($994/month) in Pontotoc County, OK requires a minimum gross household income of $39,760 per year ($3,313 per month).
What is a balanced 50/30/20 monthly budget in Pontotoc County, OK?
For a typical household earning the median income of $63,017/year ($5,251/month) in Pontotoc County, OK, a balanced 50/30/20 budget allocates $2,626/month to essential needs (rent, utilities, groceries), $1,575/month to discretionary spending, and $1,050/month to savings and debt repayment.
What are typical electricity and utility costs in Pontotoc County, OK?
Residential electricity rates in Oklahoma average 14.3¢ per kWh according to the U.S. Energy Information Administration (EIA). For an average home using 900 kWh per month, the estimated electric bill is approximately $129 per month.