๐Ÿ’ฐ COL Index: 88 โ€” Very Affordable

Salaries in Stillwater, OK

What every job actually pays โ€” cost-of-living adjusted

Updated: February 2026 ยท 27 occupations ยท BLS + Census data

Avg. Salary
$54,868
across 27 roles
COL-Adjusted Avg
$62,707
real purchasing power
Top Paying Role
Software Developer
$122,487
1BR Rent
$743
median monthly

You might not expect a college town in central Oklahoma to be a stealth hotspot for software developers, but the numbers don't lie. Stillwater is home to Oklahoma State University, but its top earners are writing code, not grading papers. With a population just under 49,000, itโ€™s got a quiet confidence that shows up in paychecks.

Hereโ€™s the real story, though: your dollar works harder here than almost anywhere. The cost of living sits at 87.5โ€”about 12.5% below the national average. That median household income of $42,015 feels low until you realize a one-bedroom apartment rents for just $743 a month. The COL-adjusted average salary jumps to $62,707, which translates to serious purchasing power. Itโ€™s not a bargain; itโ€™s a financial advantage.

The economy orbits around Oklahoma State, which is the 800-pound gorilla for employment. But itโ€™s not just academics. The healthcare system is robust, and construction keeps electricians busy. The real surprise is the tech scene, with software developers pulling a median of $122,487. For context, thatโ€™s nearly triple the cityโ€™s median income. Teachers and nurses do well, too, with COL-adjusted salaries pushing $94,000. Itโ€™s a stable, educated marketโ€”over half the adults here have a bachelorโ€™s degree.

Now, the catch. Wages, while solid for the region, havenโ€™t kept wild pace with national inflation trends. You wonโ€™t get Silicon Valley money, but you also wonโ€™t face Silicon Valley rent. This city works beautifully for remote workers cashing in a coastal salary, or for professionals in tech, healthcare, and education who value a low-stress, high-quality life. Itโ€™s less ideal if youโ€™re in a low-wage service role and feeling every national price hike.

The data below breaks down whoโ€™s earning whatโ€”and how far that money really goes in this surprisingly savvy little city.

๐Ÿ† Top 5 Highest-Paying Jobs in Stillwater

Ranked by raw salary. See COL-adjusted figures in the full table below.

๐Ÿฅ‡ -4% vs national

Software Developer

$122,487
๐Ÿ’ก COL-Adjusted $139,985
โฑ Hourly $58.89/hr
๐Ÿ“ˆ Job Growth +17.0%
๐Ÿฅˆ -4% vs national

Accountant

$82,851
๐Ÿ’ก COL-Adjusted $94,687
โฑ Hourly $39.83/hr
๐Ÿ“ˆ Job Growth +3.0%
๐Ÿฅ‰ -4% vs national

Registered Nurse

$82,842
๐Ÿ’ก COL-Adjusted $94,677
โฑ Hourly $39.83/hr
๐Ÿ“ˆ Job Growth +6.0%
4๏ธโƒฃ -4% vs national

Elementary School Teacher

$61,282
๐Ÿ’ก COL-Adjusted $70,037
โฑ Hourly $29.46/hr
๐Ÿ“ˆ Job Growth +3.0%
5๏ธโƒฃ -4% vs national

Electrician

$59,241
๐Ÿ’ก COL-Adjusted $67,704
โฑ Hourly $28.48/hr
๐Ÿ“ˆ Job Growth +3.0%

๐Ÿ“‹ Complete Salary Guide โ€” All 27 Occupations in Stillwater

COL-Adjusted Salary = Raw salary divided by the cost of living index (88/100). Higher = more real purchasing power. This city's COL is below the US average.

# Occupation โ†• Raw Salary โ†•
1 Software Developer $122,487
2 Accountant $82,851
3 Registered Nurse $82,842
4 Elementary School Teacher $61,282
5 Electrician $59,241
6 Real Estate Agent $59,174
7 Heavy Truck Driver $51,099
8 Medical Assistant $48,124
9 Welder $48,124
10 Paralegal $48,124
11 Dental Hygienist $48,124
12 Police Officer $48,124
13 Project Manager $48,124
14 Graphic Designer $48,124
15 Data Analyst $48,124
16 Plumber $48,124
17 Firefighter $48,124
18 Carpenter $48,124
19 Physical Therapist $48,124
20 Human Resources Specialist $48,124
21 Financial Analyst $48,124
22 HVAC Technician $48,124
23 Pharmacist $48,124
24 Web Developer $48,124
25 Construction Manager $48,124
26 Marketing Manager $48,124
27 Nursing Assistant (CNA) $48,124

Source: Bureau of Labor Statistics Occupational Employment Statistics. COL Index from C2ER/ACCRA.

๐Ÿ™๏ธ Living Costs in Stillwater

๐Ÿ 
1BR Rent
$743/mo
๐Ÿก
2BR Rent
$928/mo
๐Ÿ˜๏ธ
Median Home
$295,000
๐Ÿ“‰
Unemployment
3.3%
๐Ÿ’ณ
Median Income
$42,015
๐ŸŽ“
College Educated
52%
๐Ÿšถ
Walk Score
30/100
๐Ÿ“Š
Cost of Living
88
Very Affordable

๐Ÿงฎ Can You Afford to Live in Stillwater?

Use our Salary Reality Check to see if your specific income covers housing, taxes, and expenses in Stillwater. Enter your salary and see exactly how far your money goes.

โ“ Stillwater Salary FAQ

What is the average salary in Stillwater, OK?

โ–ผ
The average salary across 40 occupations in Stillwater is $54,868. This figure is based on 2026 data for a diverse set of jobs. Insight: The average is significantly higher than the local median household income of $42,015, indicating a wide distribution of earnings.

What jobs pay the most in Stillwater?

โ–ผ
The highest paying role in Stillwater is Software Developer, with an average salary of $122,487. This is more than double the overall average salary for the area. Insight: Tech roles command a premium in Stillwater, likely due to regional demand and specialized skills.

Is Stillwater affordable on a Software Developer salary?

โ–ผ
Yes, Stillwater is highly affordable on a Software Developer salary of $122,487. The cost of living index is 87.5, meaning expenses are 12.5% below the national average. Insight: With a 1BR rent of $743/month, housing costs are exceptionally low, allowing for significant savings even after taxes.

How does Stillwater's cost of living affect my paycheck?

โ–ผ
Stillwater's cost of living index of 87.5 means your paycheck goes 12.5% further than the national average. For example, a $54,868 salary here has the purchasing power of about $61,825 nationally. Insight: Lower expenses, especially housing, effectively boost your real income and savings potential.

What salary do you need to live comfortably in Stillwater?

โ–ผ
A comfortable living salary in Stillwater is around $55,000, which matches the area's average salary. This covers a 1BR rent of $743/month plus other expenses, given the low COL index of 87.5. Insight: You can live comfortably on less than the national average due to Stillwater's affordability, but higher salaries like the Software Developer role ($122,487) offer greater financial flexibility.

๐Ÿ“ Editor's Verdict: Is Stillwater Worth It?

Iโ€™ll be blunt: Stillwater isnโ€™t a gold rush, but itโ€™s a smart value. At a 87.5 COL index and $743 rent, your paycheck stretchesโ€”yet the $54,868 average salary tells you itโ€™s not a high-earning hub. The outlier is software development. At $122,487, and a COL-adjusted $139,985, itโ€™s the one path where you win big. Tech workers benefit most; healthcare and trades can live comfortably, but they wonโ€™t see the same premium. If youโ€™re considering the move, come for the software role or donโ€™t come expecting big salariesโ€”come for the lifestyle and low costs.

Explore Stillwater Further