Cost of Living & Housing in Wilburton
Wilburton's cost of living centers on a real, genuine affordability advantage in housing, offset by a property tax rate modestly above several neighboring small towns and by Oklahoma's genuinely elevated statewide homeowners-insurance costs.
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Learn moreGenuinely affordable San Bois Mountains housing, with a real cross-source spread
Wilburton's home-value figures carried a real, disclosed cross-source spread this pass ($88,300-$104,047), both genuinely affordable relative to national norms. A confirmed, city-specific median gross rent figure was not found this pass, given Latimer County's small, low-volume rental market -- confirm current local listings directly (base record).
A 0.92% effective property tax rate, modestly above some neighbors
Wilburton's own 0.92% effective property tax rate (Ownwell) runs below the national average (approximately 1.02%) but somewhat above several nearby southeastern Oklahoma towns (Clayton at 0.75%, Red Oak at 0.69%) and above Oklahoma's own statewide average (approximately 0.83%) -- still a genuinely low absolute bill given Latimer County's low home values (base record).
Oklahoma's 4.5% top income tax rate and no local-option add-on
Oklahoma's real, current top marginal individual income tax rate is 4.5% for tax year 2026 (House Bill 2764, down from a prior 4.75%), with no local-option city or county income tax anywhere in the state and a full exemption for Social Security retirement benefits (base record).
Oklahoma's statewide homeowners-insurance costs are the honest budget item
Oklahoma's homeowners insurance runs genuinely among the most expensive in the nation: 2026 statewide sources range from approximately $5,298/year to $7,683/year, with a commonly cited $7,255/year anchor figure. No Wilburton-specific premium figure distinct from this statewide range was found this pass (base record).
Key takeaways
- Wilburton's $88,300-$104,047 home-value range (a real, disclosed cross-source spread) runs genuinely affordable relative to national norms.
- Wilburton's own 0.92% effective property tax rate runs modestly above several neighboring southeastern Oklahoma towns, though still below the national average.
- Oklahoma's 4.5% top income tax rate and full Social Security exemption apply in Wilburton as they do statewide.
- A confirmed city-specific rent figure was not found this pass -- and Oklahoma's statewide homeowners-insurance costs, among the nation's highest, are the honest counterweight to Wilburton's affordable housing.
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