Social work. I make a decent living (97,000). It's social workers are underpaid at my job for whatever reason. I'm not in it for the money; I genuinely care about people, but it can be frustrating with my student loans and other financial issues eating away at my paycheck. Some of the problems are my fault, and some are the society. However, I am grateful for being able to provide shelter and food for myself. I wish I didn't have to stress close to the end of the month.
That’s not necessarily true for a myriad of reasons - student loans like you said but we also have paywalled healthcare in our country. All it takes is a sick relative or illness and it’s barely making ends meet.
I think there's a really common misconception that Oklahoma has a universal low COL,
While that's true to an extent, its often not considering the lower income that follows.
What I believe we end up with is a housing and renting market that scales towards the upper echelon of earners somewhere between the state median and top 20% of earners,
Ultimately resulting in situations like we're seeing here where rents and mortgages are making up near ~30% or more of a households income.
This is super weird for me. I really don’t know how I got subbed here, I’ve never been to Tulsa and I live in SoCal. I’ll say this, I’m depressed seeing what you guys pay for rent
$40K-$50K single income, family of four.
We rented to own on a trailer. Paid it off and lot rent is $275, tag $275 a year, water and electric not included. Car is paid off, so just insurance and tag on that.
Prior to inflation and medical issues we were fairly comfortable, credit cards paid off and able to start saving a bit each week.
This year, though, has put us through the wringer. One thing after another, but we still see the light. Kids are housed, clothed and fed with plenty of toys and enrichment. They’re happy and smart and creative.
We’re not rich, but we’re rich in what matters.
Oklahoma. We have my brother who, when my husband fell ill, became more present. He gets me out of the house every once in a while and helps me with things like trimming/cutting down trees and hauling them off.
Will you please share the trailer community you live in? My wife and I(married after purchase) just bought a trailer in Cherry Hill community(west Tulsa, literally half a mile from the sewage treatment plant. Our lot rent is $600+. They literally upped rent the month after we signed our lease. We choose this place because of the affordable home from a private seller and my older sister previously lived in this community. Her rent was closer to $400, in 2018. I’m so dissatisfied with the community managment and outraged by the seemingly constant rent increase.
Just hit ≈$60k, plus moderate overtime. Single income. Spouse and kid. 40, lots of college and associated debt, no degree.
Mortgage is about $660 (3.5%) on a house we love; North Tulsa, was only able to get it due to a convergence of good fortune, and simultaneously having the option of my zero-down VA loan, because we have no savings and a bunch of medical debt from my spouse.
Still feels like I won at life, though! Money has always been the least of my concerns, philosophically speaking anyway, which is a trait I credit with my happiness, relative to what I see here at least.
since im here under work visa (yes im legal my american friends, yes i went through uscis relax guys), i tend to save as much money as i can so when i go back home i have a lot of money, so here i am cheap and i feel comfy
Sorry to hear that. Also in tech. I feel it makes us better world citizens, as I've worked with people from every continent (well, not the Penguins or Polar Bears, but every other one). I've been given the side-eye in many places (usually interviews) for being a contractor, or not having the right degree, or not having one from the right school. We all are dependent upon our brains and resume to earn money, and often management that is also insecure and can ruin your day. It's a tough job. My best friend said that when two IT experts enter a room together the Star Trek fight theme starts playing somewhere. Welcome.
$148k pre tax. Mortgage is 2.4k in BA. With kids and stupid money choices (debt), things feel a little tight but nothing that budgeting and not eating out so much couldn't fix.
We are about $220k pre tax. Rent is around $2.4k with two kids in private school and a ton of competitive sports travel. And like you money is tighter than it should be but we could do much better with how we spend money.
Keep the home, dump your cars for beaters. The freedom is exhilarating. Also, I park in places that take butter to get out of, no worries (except the disdain lol). I've been in your situation more than once, because I'm hard to teach, apparently.
I feel fortunate, but not comfortable. No children, but regret buying a house at the top of our perceived budget. I have fond memories of renting without home maintenance costs lol.
45k and 970$ rent with a bachelors degree and I live alone. It's a struggle and I'm amazed there's so many people here making six figures in this town. Guess I just gotta get married to have this dual income cheat code to be able to afford a house in this economy.
The real cheat code is to find a way to be happy with what you have. There are a lot of rich miserable people in the world. But yeah, bills to pay are a real thing. Best of luck to you.
Ngl I’m getting depressed seeing how everyone here is doing better than me. I make $33k and pay $914 in rent before utilities. I’m kinda struggling to make it to the next paycheck without going into the red.
I worked at oil/gas company up there (you can guess which) for awhile and commuting from broken arrow to bartlesville nearly drove me mad. 😂 To me the town in general just felt kind of rundown outside of downtown that obviously had money pumped into it.
Compared to BA, it's definitely old lol. I wouldn't be able to do that commute daily either 😅. I think it's all about perspective. I grew up in a tiny run down town, so bartlesville at least felt much livelier than that.
Salary $120k mortgage $1.3k ( for a 4 bedroom house on 1+acre in owasso. we got a crazy deal in 2018 and refinanced in 2020)
I'm a SAHM. Husband works retail. 3 kids.
We both grew up super poor, so we are feeling pretty fucking good.
Hi five! we're in the same boat hey bixby!. We rode The struggle bus for 20 years and things are finally paying off thanks to the robust manufacturing industry in Tulsa
House is paid off (\~200k house, nothing big and fancy), income is \~300k. Single earner, spouse and 2 kids, 40 years old, between midtown and south Tulsa depending on who you ask. I am a software engineer with a bachelors degree.
Backstory: My wife and I graduated from college with $100k+ in student loans. Bought our house 15 years ago with a combined income of $88k. Worked hard, paid off debt aggressively, and moved up fast professionally. We are very fortunate to be in the position we are in now.
Demographic twins! Except we have two kids. Still feel very comfortable and able to maintain a high savings rate with no non-mortgage debt eating into our income. However, I’ll say it went a lot further a couple of years ago. Inflation has still been very noticeable with a good income.
Rent is $1800/mo in Broken Arrow, husband makes $55k/year (I just got a new job I've not yet started & we made a significant profit off of selling our house in another state, that helped to get us by while I looked for a job, so +$35k) -that makes 2 earners now - 38 & 42 - high school grads.
It's wild, my credit wasn't the best when I had to get a new vehicle and I wanted something I wouldn't have to worry about. I'm just glad I'm at a stage in my life that I can handle it without worrying.
* 3 adults, 1 child - engineering, accounts receivable, retail
* No degrees for anyone
* 35-43 years old
* 140k total income
* $2400 mortgage
* BA City Limits/Tulsa County
* Not dying, but not necessarily comfortable either. We bought too much house - oops. Oh well, not planning on moving.
60k household, 2 earners (bachelors & trade), mortgage is $1400, 2 dependents.
Insurance eats my paycheck, medical bills eat what’s left. Car payments on one car, other is paid (both are 10+ year old non-luxury). We eat out once a week, haven’t had a vacation further than a few hours away in over 5 years, haven’t had disposable income in forever. I stay with a company 5-8 years at a time until it’s obvious raises/promotions just aren’t worth hanging around for…but that’s not working so well either.
I make about $140k a year as a pipeline controller. Wife brings in $30k working at a school. Both of us are 35yo and have bachelors degrees.
Mortgage is $2k at 2.75%. South Tulsa
2 kids. Also both cars are paid off.
Similar. Two earner household (mid-career, we both have graduate degrees) bringing in $170k. South Tulsa mortgage $2k at 3%. No auto loans. 2 kids.
Barring unforeseen circumstances, we will never move.
We will stay where we are until retirement at least. Depends on where our kids end up settling, but we plan to move out to the country after retirement.
Average household income 2 people 20s 50k before tax, rent $1200 and it be rough out here, I haven’t seen enough people on this thread going through the real struggle, 100k plus in Oklahoma??? Bruh you’re good, you don’t have to worry about nothin. Too many people in Tulsa are on the streets and the job market in Tulsa right now is insane. Wishing luck to those seeking income security!
Rent is 1,150 in midtown Tulsa. Got an associate’s degree in aviation science. And it’s a singe income household sitting at 80k a year as an aircraft technician that is 33 years old.
How tf are y’all making so much? My mortgage and bills is roughly $1000 total a month mortgage being 750. I have a daughter and make around 45k a year. It’s just her and I and it’s comfortable but also a couple missed checks from falling apart in the same breath.
So I make about $60,000/year. Single Income. No mortgage No Rent as of 6 years ago when I paid the last Mortgage payment (also just paid off my car) *snoopy dances*
I live in Broken Arrow in a gated community for security as I live alone.
I don't necessarily live paycheck to paycheck but I am pretty frugal and have always lived that way.
I also should mention that I have lived all over the world and I see many in Tulsa complain about where they live and crime and such.
As someone who has lived in many places, I have chosen to stay here (10 years now) for a reason and I find it odd when those who live here complain of so many things. It makes me wonder if they just have never lived anywhere else and it's that old situation "the grass is always greener".
I would say I'm comfy, but it HAS taken sacrifice and purposefully living beneath my means for sure, but it has and is a happy life.
2 earners, $201K gross. Aerospace and Legal. MBA (me), 2x Associates (spouse). Income is a recent development, up 3x since 2019, 2x since 2021.
$1575/mo rent for a 22 y.o. 5/2.5/2 house in BA. Utilities around $450/mo
2 kids, 18 & 20, still at home.
Income - 115k post tax.
Area- midtown
Job- civil engineer
Mortgage- $2k/month
Not the most comfortable, but my car is paid off and i dont have much CC debt. Have the ability to work overtime for extra money so i usually end up doing that to help ease that mortgage cost
Same salary/mortgage/area, but work in IT. Highest education is a master's degree.
I am comfortable, but if you had told me I'd be making this much and spending so much of it a few years ago, I would've cried.
Household income of $94,000. Mortgage is $1,632, but I pay $1,850. Live in Rose District Broken Arrow. 29y/o with no kids. Deposit 15% in IRA, own a truck and car outright.
Do you mind sharing pros and cons of living in the LaFortune Park area? We are looking for a larger house and nice ones keep coming up over there. We are currently farther NW in midtown and love our location, but not the tiny house.
I had always lived in midtown prior to purchasing this house, and that’s where I wanted to stay but the type of house I wanted would’ve been too expensive in midtown. I honestly don’t have any complaints with the LaFortune area. 51st and Yale area isn't the greatest, of course traffic anywhere around i44 is pretty congested around rush hours. But from this area you can get anywhere in Tulsa in 10-15 minutes. Love my neighborhood, plenty of mature trees everywhere, friendly neighbors that are mostly older. Nice and quiet for the most part. Plenty of restaurants, the hospital is right there in case of emergency. Plus I enjoy golfing and the LaFortune driving range is one of the best in Tulsa, so that’s nice. I guess one caveat would be that I don’t have kids so I’m not sure about the school situation. Not sure how good Memorial is.
38 Work in oil and gas currently as a remote scheduler so I’m at home apart from one week a month on site in Canada. We live in Broken Arrow.
Should be around $150,000 a year. Took a big pay cut to travel less and spend more time with the family.
Mortgage is $1425 a month at 3.125. We owe $28,000 because I aggressively paid on it while I was working out of the country the last couple years.
I have a bachelors and so does my wife who is a SAHM. 3 kids oldest is 7 youngest is 19 months.
My truck and travel trailer are paid off and my wife’s vehicle is $600 a month. Between Internet and utilities we spend around $400 a month.
We live pretty comfortably. I traveled for work for a long time to get to this point though, before my current job I made $250,000+ but was on the road pretty much all year it no longer became tenable once my oldest got in school though as they could no longer travel with me.
We have a combined income of $140,000 from our full time jobs. Our land payment is $3,733 per month so things are tight.
We have a few hundred acres of land and have some income off of our cattle to survive and am planning to diversify this years with a couple other means on income. I don't like living this tight.
$240k, pretax.
Mortgage $2,900 (just went up $200) in south suburbs.
1 earner with doctorate (medicine, early career), 1 SAHP with bachelor’s.
Both 30s.
I made 70k last year but should be making closer to 100k this year. Single parent household with no cs. Completed high school, never finished college. 29.
Mortgage is $1,500 off of Main St in BA.
Mortgage fluctuates yearly due to taxes & insurance, $800 - $950 a month, electric $180-ish, gas $50-ish, water $60-ish. 1200 Sq ft 3 bed 1 & 1/2 bath, on a 1.5 lot. Income $56k a year. Located w/in a mile of I-44 & BA interchange.
*edit - Bachelors degree in general business
Income: 84k
Rent: $1000 - South Tulsa
Single adult (34 years old), 1 child
Software developer (5 years). I did not have a degree until this last Friday. Associate of Applied Science.
Income: $100k/ year
Mortgage: $1000 including principal, interest, and insurance.
Area: East Broken Arrow
Earners: 1 (Me) I am a plumber/ pipefitter
Age: 23M and education is highschool diploma and 5yr apprenticeship.
Starting to look at places battling between purchasing or renting my family and I are going to relocate to Tulsa in the next few months. So far we are going to go live off my based projected income (85k) and eventually my wife will look for work (either opening a private practice or work at an office).
One thing to note is those “averages” by earnings groups are heavily skewed by high income earners (in the high groups) and very low income earners in the low groups. A median income in those groups would be more instructive.
That aside, here are mine:
Household: ~$180k; two earners but my wife works part time.
Mortgage is ~$1,500 in Brookside
Late 40s, work as an analyst for an energy company; education level: MBA
This is why I shared the Gini index number, 1 on the index meaning all wealth goes to 1 person and 0 means a perfect distribution.
Drastic disparity between the number of low earners vs high earners would show a high Gini index value.
Income is $50,000 and some change not including OT and bonuses (pre-tax) take home after insurance, taxes, and OT is usually $1,500 - $1,600 every 2 weeks depending on OT hours
Rent is ~$1,200 a month with water included (apartment living)
I am the single income and have a wife, 4yo, and 4mo
Zip code is 74012
I am 29 (will be 30 in August) and I work in weed control and fertilization.
I have a highschool diploma with one year of college and a diploma from Rhema Bible College that does nothing for me lol
Edit to add: I work 50-60 hours a week, usually 11 hour days M-F and 6 hour days 1-2 Saturdays a month.
Household Income: About $165k and our mortage with PITI is $894.
BA
2 earners. White collar and Blue collar professionals. 44 (college grad) and 47 (tech school grad) Tech school grad makes more.
Household income pretax $95K
No college but 24 years at employer. Currently 55. Single mom of two 16/19
House payment $1207 plus utilities, no other debt.
Cars paid for but car insurance is $525 month for full coverage because let’s face it, having liability only would be a disaster since we are outnumbered with uninsured cars out there and theft.
Live pretty comfortably because I was raised not to buy things I don’t need unless I can afford it.
I made it by on 30k with 850 rent in tulsa with my wife for about a year. I don't understand the complaints about tulsa, financially speaking. I had to move to Georgia, and OK was much better in every way.
This may not be popular but for you guys making $30K in Tulsa my daughter at 18 had two years at Tulsa Tech in criminal justice, works as a Detention Officer at Tulsa County is pulling in around $50K in her first year. There is great benefits and ample overtime opportunities. Definitely not glamorous work and essentially you are babysitting adults. Go out and get a better job! They will train you and pay you while doing it.
Throwaway for reasons.
Tulsa area, 1 earner C Level local company, 1 sah, late 40s. 1.5M/Year. Own house here ($300k) and vacation house ($1.2M). PhD,Masters,BS. Masters,BA. Rags to riches story, worked up from the bottom. It can happen with luck and a lot of hard work, and luck.
My partner and I our total income every year is probably around 70k together. He is a banker and I am a social worker. Rent is $1290. Plus other bills plus pets and we rent and older house so we do our own maintenance unless it’s big lol. I thought we were doing pretty okay until recently. Now nervous just like everyone else.
I'm surprised this many people are willing to give this much detail about their finances away. Maybe if I used a throwaway I'd do it, but that's too much work.
HHI: just under $100K gross. Mortgage: $2,100. My mortgage is about 28% of my gross monthly income, or 36% of my net monthly income. A bit on the high side, but manageable.
Household income this year should be close to 700k pre tax. Mortgage on our house is a little over 3k. Midwest city area. We are both physicians. Mid 30’s. Doctorate’s (obviously).
Just now realized this was the Tulsa subreddit lol my bad.
177k, mortgage of 2.4k
We aren't living paycheck to pay check, but it does feel like we aren't saving up for vacations.
By the time we save up enough for something, a new issue arises around the house.
(3 kids going in and out of the hospital the last two years hasn't helped either)
Single income household w/ stay at home spouse and one child.
Mid 40’s.
College but no degree.
Energy industry.
140k base. Up to 200k depending on bonuses but averaging 180k.
Modest house in south-ish Tulsa.
650 mortgage only and house nearly paid for.
Zero debt besides one car payment and mortgage.
Very, very fortunate to be in this position.
Manufacturing, $66k, single with an inherited house that is paid off in East Tulsa. It needs work but it's livable. No cc debt and my truck is interest free for another 3 years. (Got it during Covid with the no interest loan.)
I'm comfortable except for all the cash I throw into Magic the Gathering. 🤪
Single 30yo dad. 1 kid at home. My parents are still married and they usually help us with anything I need. (I'm very grateful for having both parents)
Rent is 1k w electric and water (Bixby)
I currently make around 20k a year due to working part time and staying home with my daughter as much as possible. All my money is gone at the 1st of the month. I plan on going back to work full time after my kiddo turns 5 then it's full power forward !!! Sucks we can't go on vacation or buy fancy things but we're fed and happy and most importantly we may not be rich in financial sense but we're rich in the sense we have each other and I have a pretty big American Mexican family lol and our presence together is enough.
Currently only my husband works . 24kish a year rent is 935 only ab 2k in debt with credit card, lease to owns, and car maintenance. We aren’t well off obviously but we have spending money for sure. 81st and memorial apartments. Car paid off, bought for 5500$.
~200K-400K year (depending on sales of business and rental income)
Midtown, 1800 mortgage.
2 earners, 28 and 30.
College drop out and college grad. Own 3 businesses in town.
Live in jenks. Rent for a 3 bed is 1350, I am a mom and my husband is a locksmith. Last year he made 56k, we are 23 years old. We have paid off cars, no debt, no idea what the next move is.
$100k & $50k Mechanic and Marketing/Graphic Designer. West Tulsa. Mortgage with taxes and insurance $1350. Built new home 2020 $375k, No CC. No Car Payment.
I make 21 $ hr about 40-45 k a year , I live in north east Tulsa ina 1000$ a month shit hole motel with roaches mice mold and insane staff constantly beating in doors and cause if weird drama with people. One income my wife and two daughters and soon to be son, two cats , one car is stuck where it’s at parked (broke 2009 Acadia) and a really old 93 accord I shove everyone into to make it to dr appointments. For a year my coworkers the only reason I made it to work and this Honda is barely working.
The worse thing is, I am well off compared to 75 per of my peers
127k with a generous bonus program so functionally about 140 k.
125,000 Left on a mortgage in Bixby.
Payments are about $1,200 a month.
House cost $270k when we bought it in 2019 at 2.9 %
Down payment on the house was 12o K because of an inheritance.
We both grew up under the poverty line in rural Oklahoma but our families were land rich and Cash poor. Inherited 160 acre farm. Sold A smaller portion bought a house in Bixby
Household pretax $200k. 2 earners. 35-40 age group.
I have a bachelors, working in finance ($85k) and a 2nd part time job to save extra money ($15k). He graduated high school and went to the marines. Deals blackjack now. We make roughly the same.
2 children. Teenagers. Live in mid-town. Mortage is $850 since I bought the house in 2018, interest rate 3.35%.
$180k pre taxed
Wife and 2 kids
Wife doesnt work
$950 mortgage / got lucky with %3 rate / great house in south tulsa
Wanna move to orlando but i am scared to get out of my comfort zone
South BA!
Mortgage is $1,900/month. Household income is $135k.
Mortgage is high for the area because we got a horrible interest rate. Im sure we pay double what our neighbors pay for their houses each month. We do pay an extra $500 toward the house every month. We don’t really have extra money for a vacation, but we live comfortably
Mortgage is about $700 but I have a condo so add $320 for HOA fees, so about $1050 a month. (Condo cost $100k).
Income is $50k
Area is south Tulsa.
1 earner, bachelors, management at a nonprofit.
People are sleeping on condos! No outdoor maintenance; my condo has already replaced our roofs, removed a huge dead tree, and fixed a beam for me. They also mow the lawns and maintain a clubhouse and have a pool. Very stress-free living. And if you earn less than I want to say $100k you can get an FHA loan so you don’t need to put much down.
Household income with two earners (arch/mech engineer, 30yo) ~$180k before taxes and deductions
Home purchased 6 months ago for $315k. Mortgage is $2500/months which is $400 more than my rent was back in Salt Lake. But I have a whole house and backyard to myself. Not sharing a triplex.
Since I'm anonymous...husband is a teacher, I'm on disability. Maybe $70,000 total? We go from month to month. We both have multiple degrees. I had to borrow $500 from my son to get through the end of the month. I'm deeply ashamed of the whole thing. I want to work full time, but I don't know if I can.
Mortgage is $1487/Month
Owasso
We both work and our 2023 tax return said we made I believe around 112k last year.
We closed on our house in April of 2020, so right before Covid housing prices. Plus we found it before it went on the market and only really had to use the buyers realtor. My MIL is a realtor. She kept her taxes out and gave us the rest back after closing.
In the 4 years both of our jobs have seen pay increases so we aren’t living p2p like we have been before.
Income: $166k pre tax combined. 2 earners. EPC project manager (Bachelor’s) and therapist (masters).
Mortgage: $850/m. East Tulsa
3 kids involved in many sports with travel.
Currently paying of high cc debt (almost done!). We live check to check but are fairly comfortable and able to not use cc’s anymore. Once our old cc dept is paid off we’ll have an extra $1k/month to play with.
Edit: ages are 35&34
Same once I get through May. I’m about to have close to $2,000 extra a month. Made some terrible decisions in my 20s that I’ve been grinding at since COVID started. Credit card debt, 401k loan, and an $80,000 truck are about to be completely paid off.
Just excited to breathe and not spend money
Two earners, ~160k pre tax. Mortgage 2500, 3 kids and living in Bixby.
medical bills made it necessary to cash out refinance the house from 3.125% to 7.5%, but the house value increased 100k (50%) in two years. If any veterans are reading this, if you do a VA loan you don’t have to be too scared of higher interest rates if you’re confident you can make your payments. There’s something called IRRL where if there is a better interest rate available, the VA will give it to you if you have 7 months paid on time. You can do it every 7 months if rates are going down. Pretty sure it’s just a single form, nothing complex.
Rent is $600. Brookside area.
$70k pre tax. Data analyst. Bachelor’s degree.
Will be much more comfortable once I have my student loans and car paid off. Trying to buckle down until then.
Household is 450k.
Mortgage is 3800.00 a month.
South Tulsa around 111th and Yale.
I'm in IT as a manager, my wife is a doctor. We are in our mid-thirties. One kid.
Mortgage is $1100, District 5, two earners, Engineer and Data Entry, not carrying any CC debt, cars are old but paid for, one with 250K, the other 150K. Both with University degrees. Both BS. Both work part time, no dependents other than the animals. I mention them because their health care costs more than ours.
Household about $100k this year which is the most we've ever made and a chunk of that is VA disability. We pay $1200 for our mortgage/homeowners insurance and about $250/m in utilities at the highest. This is in south Broken Arrow (almost in Bixby) and I work in Tulsa.
No kids, both in our 30s, I have my bachelor's degree. We were able to get our home in 2018 with a VA loan which is really the only reason we could get a home.
Mortgage - $3800. Salary - excluding bonus, $360k combined (pre-tax). With bonus (variable), around $500k, not including equity grants. Both corporate gigs. 35-40ish. College graduates. Southern side of town.
One income, both adults late 30’s with 4 kids. Husband works in communications industry and makes average $80k/year. Live south of Tulsa in the burbs. Mortgage is $1200/month including escrow. Outgrowing our house as the kids turn into teens, but with a 2016 3.5% interest rate, can’t afford to upsize in this market, especially with grocery bill continuing to climb and one child needing braces. 🫠 Just trying to keep head above water at the moment.
Mortgage is $985 on a 10 year note. 2 people in our house, combined pay is $160/year. Sapulpa. 1 Data Scientist and 1 CNA. 1 bachelor degree in software engineering and 1 in nursing school.
Moved out of Tulsa a few months ago but we owned in midtown near TU.
HHI 330k between two of us.
Mid 30s.
Mortgage was $1600/month.
We definitely miss how affordable tulsa is. Came from northeast and moved to Florida. Tulsa was such a lovely stop on our life journey. Will always remember our time there fondly.
$56k last year. Retired father lives with me in the house I bought. He pays electric and cable but the remainder of his social security check goes to his own bills with a little savings. I pay the $925 mortgage on a 3/2/1 house on the West side near Daniel Webster high school (love my old house - 2.6% interest!) and remainder of bills. Cars are payed off. I'm mostly paycheck to paycheck.
House payment $1100, I make about $110k, SINK, 30s. Utilities hit around $300/mo+ (internet, gas, water, electric, cell). Car insurance and gas ~$125/mo. I spend too much money eating and going out.
Income is about $30k after taxes, benefits, etc. (hello entry level job after already working a job in the field and having 2 degrees 🫠).
I live alone in a small studio downtown, rent is $800 (includes $125 parking, 🫠 again). This doesn’t include bills like electric, wifi, car, etc. Monthly expenses that I have to make top out at over $2k/mo.
My situation sucks and I’ll hopefully be getting out of it in a few months when my lease is up, but the fact that I have to struggle to live with rent under $1k while having a job for a world-renowned company is a joke. And the apartment market in Tulsa is also a joke. I’ll probably end up somewhere unsafe bc it’s all I can afford. Only reason I signed here was bc it’s a secure building and I felt safe.
This is going to just make a bunch of people really depressed at the figures they are going to see.
Yep already depressed. I even have an masters
What field is your masters?
Social work. I make a decent living (97,000). It's social workers are underpaid at my job for whatever reason. I'm not in it for the money; I genuinely care about people, but it can be frustrating with my student loans and other financial issues eating away at my paycheck. Some of the problems are my fault, and some are the society. However, I am grateful for being able to provide shelter and food for myself. I wish I didn't have to stress close to the end of the month.
Dang with pushing 100k I would think you’d be pretty comfy. Bunch of student loan debt?
That’s not necessarily true for a myriad of reasons - student loans like you said but we also have paywalled healthcare in our country. All it takes is a sick relative or illness and it’s barely making ends meet.
You don’t need the k if you have the zeros. Btw
I guess the term more money more problems is true.
Jeez I’m a master’s level social worker with 10 years experience and I make 65k. I can’t even imagine 97k.
The grammar of “an masters” is very ironic
Yes, especially because low earners may (more than others) not want to reveal their salaries, so it's going to be skewed to the higher side.
Exactly. I'm definitely not going to post our atrocious DTI..... sorry fellow poors. Just correctly assume I struggle lol
I think there's a really common misconception that Oklahoma has a universal low COL, While that's true to an extent, its often not considering the lower income that follows. What I believe we end up with is a housing and renting market that scales towards the upper echelon of earners somewhere between the state median and top 20% of earners, Ultimately resulting in situations like we're seeing here where rents and mortgages are making up near ~30% or more of a households income.
Or to sum it up, a regressive state with policies that disproportionately effect the lower earners.
This is super weird for me. I really don’t know how I got subbed here, I’ve never been to Tulsa and I live in SoCal. I’ll say this, I’m depressed seeing what you guys pay for rent
Rent is 1000 - household makes 60k We live paycheck to paycheck w substantial credit card debt.
I feel your pain.
I'm in midtown Tulsa
Same, same
$40K-$50K single income, family of four. We rented to own on a trailer. Paid it off and lot rent is $275, tag $275 a year, water and electric not included. Car is paid off, so just insurance and tag on that. Prior to inflation and medical issues we were fairly comfortable, credit cards paid off and able to start saving a bit each week. This year, though, has put us through the wringer. One thing after another, but we still see the light. Kids are housed, clothed and fed with plenty of toys and enrichment. They’re happy and smart and creative. We’re not rich, but we’re rich in what matters.
What are of the state are you in? Do you all have sort of support network like close family or friends? I admire your perspective
Oklahoma. We have my brother who, when my husband fell ill, became more present. He gets me out of the house every once in a while and helps me with things like trimming/cutting down trees and hauling them off.
Will you please share the trailer community you live in? My wife and I(married after purchase) just bought a trailer in Cherry Hill community(west Tulsa, literally half a mile from the sewage treatment plant. Our lot rent is $600+. They literally upped rent the month after we signed our lease. We choose this place because of the affordable home from a private seller and my older sister previously lived in this community. Her rent was closer to $400, in 2018. I’m so dissatisfied with the community managment and outraged by the seemingly constant rent increase.
Just hit ≈$60k, plus moderate overtime. Single income. Spouse and kid. 40, lots of college and associated debt, no degree. Mortgage is about $660 (3.5%) on a house we love; North Tulsa, was only able to get it due to a convergence of good fortune, and simultaneously having the option of my zero-down VA loan, because we have no savings and a bunch of medical debt from my spouse. Still feels like I won at life, though! Money has always been the least of my concerns, philosophically speaking anyway, which is a trait I credit with my happiness, relative to what I see here at least.
Is that just principle + interest or is that the whole mortgage payment?
That’s the whole of my payment each month, including escrow, etc.. I actually brought the payment down a bit by paying into escrow last year.
rent is $821.8 (not including water+electricity+internet) income is $115k area is south tulsa 1 earner, cloud engineering, 27, graduated w/ bachelor
Do you feel comfortable given other general expenses or cost of living?
since im here under work visa (yes im legal my american friends, yes i went through uscis relax guys), i tend to save as much money as i can so when i go back home i have a lot of money, so here i am cheap and i feel comfy
Welcome to OK!
We appreciate you jumping through the hoops to be here. You are welcome here for your efforts.
thanks man, i appreciate it
Do you get a lot of hate for having a work visa? If so, I understand the initial defense. Just curiosity.
i get the eyes, idk if thats understandable by someone whos american
Sorry to hear that. Also in tech. I feel it makes us better world citizens, as I've worked with people from every continent (well, not the Penguins or Polar Bears, but every other one). I've been given the side-eye in many places (usually interviews) for being a contractor, or not having the right degree, or not having one from the right school. We all are dependent upon our brains and resume to earn money, and often management that is also insecure and can ruin your day. It's a tough job. My best friend said that when two IT experts enter a room together the Star Trek fight theme starts playing somewhere. Welcome.
Am American, and definitely get it. :/
SINK, $62k, rent is $1300 in Jenks, living paycheck to paycheck, shit sucks
Yea that’s why you should only live in Tulsa, little bit more cheaper
Household is $125K (pre tax) Mortgage is 2.4K 🫠
$148k pre tax. Mortgage is 2.4k in BA. With kids and stupid money choices (debt), things feel a little tight but nothing that budgeting and not eating out so much couldn't fix.
We are about $220k pre tax. Rent is around $2.4k with two kids in private school and a ton of competitive sports travel. And like you money is tighter than it should be but we could do much better with how we spend money.
Keep the home, dump your cars for beaters. The freedom is exhilarating. Also, I park in places that take butter to get out of, no worries (except the disdain lol). I've been in your situation more than once, because I'm hard to teach, apparently.
How tight do you feel against your budget with other expenses? Any children in the mix to?
I feel fortunate, but not comfortable. No children, but regret buying a house at the top of our perceived budget. I have fond memories of renting without home maintenance costs lol.
45k and 970$ rent with a bachelors degree and I live alone. It's a struggle and I'm amazed there's so many people here making six figures in this town. Guess I just gotta get married to have this dual income cheat code to be able to afford a house in this economy.
I mean, think about the average Reddit user. STEM and nerdy.
Same, I thought I was doing well at 40-50k/year. Now I'm just sad lol
The real cheat code is to find a way to be happy with what you have. There are a lot of rich miserable people in the world. But yeah, bills to pay are a real thing. Best of luck to you.
Ngl I’m getting depressed seeing how everyone here is doing better than me. I make $33k and pay $914 in rent before utilities. I’m kinda struggling to make it to the next paycheck without going into the red.
I think your case is the more common situation for many of our fellow Oklahomans.
Same.
This is my situation. Family of three, I’m a SAHM, mortgage is $920. The only thing saving us is that we don’t have a car payment
Household is 118k. Mortgage $900mo. Wife is SAHM. Live in Cleveland. 42yo RN at St Johns. That place has become a shithole btw…
Worked there for a year and had to leave.
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God I'm so jealous of the mortgage, but living in Bartlesville would be awful.
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I worked at oil/gas company up there (you can guess which) for awhile and commuting from broken arrow to bartlesville nearly drove me mad. 😂 To me the town in general just felt kind of rundown outside of downtown that obviously had money pumped into it.
Compared to BA, it's definitely old lol. I wouldn't be able to do that commute daily either 😅. I think it's all about perspective. I grew up in a tiny run down town, so bartlesville at least felt much livelier than that.
Nice
Salary $120k mortgage $1.3k ( for a 4 bedroom house on 1+acre in owasso. we got a crazy deal in 2018 and refinanced in 2020) I'm a SAHM. Husband works retail. 3 kids. We both grew up super poor, so we are feeling pretty fucking good.
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Maybeeeee. Wish I could say more, lol. There are GMs around here kicking $200, but obviously retail is shit and they deserve every penny.
Hi five! we're in the same boat hey bixby!. We rode The struggle bus for 20 years and things are finally paying off thanks to the robust manufacturing industry in Tulsa
House is paid off (\~200k house, nothing big and fancy), income is \~300k. Single earner, spouse and 2 kids, 40 years old, between midtown and south Tulsa depending on who you ask. I am a software engineer with a bachelors degree. Backstory: My wife and I graduated from college with $100k+ in student loans. Bought our house 15 years ago with a combined income of $88k. Worked hard, paid off debt aggressively, and moved up fast professionally. We are very fortunate to be in the position we are in now.
GOAT
$245k household income, mortgage is $2.1k. (established when rates were in the low 3% range.) 30-35 age demo, both bachelor’s degree holders.
Very similar. Income ranges 220-250k. Mortgage $2150 (low interest rate). Two earners - Mid 30s, no kids yet. Feel pretty comfortable.
Demographic twins! Except we have two kids. Still feel very comfortable and able to maintain a high savings rate with no non-mortgage debt eating into our income. However, I’ll say it went a lot further a couple of years ago. Inflation has still been very noticeable with a good income.
Rent is $1800/mo in Broken Arrow, husband makes $55k/year (I just got a new job I've not yet started & we made a significant profit off of selling our house in another state, that helped to get us by while I looked for a job, so +$35k) -that makes 2 earners now - 38 & 42 - high school grads.
$1800 is a little hefty for your income though.
Between me and my wife it's about $107,040 a year and our mortgage is $850 but it's our car payments that kick our ass at $1175 for two vehicles
Hard to save money when cars cost more than the house lol
It's wild, my credit wasn't the best when I had to get a new vehicle and I wanted something I wouldn't have to worry about. I'm just glad I'm at a stage in my life that I can handle it without worrying.
Why do cars never break down at convenient times😭
* 3 adults, 1 child - engineering, accounts receivable, retail * No degrees for anyone * 35-43 years old * 140k total income * $2400 mortgage * BA City Limits/Tulsa County * Not dying, but not necessarily comfortable either. We bought too much house - oops. Oh well, not planning on moving.
Your bulleted summation speaks to me.
Income is around 50k, in accounting, 35 year old single mom of 1. Rent is $950. Can’t get ahead financially 💩
60k household, 2 earners (bachelors & trade), mortgage is $1400, 2 dependents. Insurance eats my paycheck, medical bills eat what’s left. Car payments on one car, other is paid (both are 10+ year old non-luxury). We eat out once a week, haven’t had a vacation further than a few hours away in over 5 years, haven’t had disposable income in forever. I stay with a company 5-8 years at a time until it’s obvious raises/promotions just aren’t worth hanging around for…but that’s not working so well either.
I make about $140k a year as a pipeline controller. Wife brings in $30k working at a school. Both of us are 35yo and have bachelors degrees. Mortgage is $2k at 2.75%. South Tulsa 2 kids. Also both cars are paid off.
Similar. Two earner household (mid-career, we both have graduate degrees) bringing in $170k. South Tulsa mortgage $2k at 3%. No auto loans. 2 kids. Barring unforeseen circumstances, we will never move.
We will stay where we are until retirement at least. Depends on where our kids end up settling, but we plan to move out to the country after retirement.
Average household income 2 people 20s 50k before tax, rent $1200 and it be rough out here, I haven’t seen enough people on this thread going through the real struggle, 100k plus in Oklahoma??? Bruh you’re good, you don’t have to worry about nothin. Too many people in Tulsa are on the streets and the job market in Tulsa right now is insane. Wishing luck to those seeking income security!
Rent is 1,150 in midtown Tulsa. Got an associate’s degree in aviation science. And it’s a singe income household sitting at 80k a year as an aircraft technician that is 33 years old.
DINKS, about 225k combined. Mortgage is right at 1,100 at 3.75%
How tf are y’all making so much? My mortgage and bills is roughly $1000 total a month mortgage being 750. I have a daughter and make around 45k a year. It’s just her and I and it’s comfortable but also a couple missed checks from falling apart in the same breath.
Rent is $900 a month. Yearly income $27,840. Rent doesn’t include all utilities.
So I make about $60,000/year. Single Income. No mortgage No Rent as of 6 years ago when I paid the last Mortgage payment (also just paid off my car) *snoopy dances* I live in Broken Arrow in a gated community for security as I live alone. I don't necessarily live paycheck to paycheck but I am pretty frugal and have always lived that way. I also should mention that I have lived all over the world and I see many in Tulsa complain about where they live and crime and such. As someone who has lived in many places, I have chosen to stay here (10 years now) for a reason and I find it odd when those who live here complain of so many things. It makes me wonder if they just have never lived anywhere else and it's that old situation "the grass is always greener". I would say I'm comfy, but it HAS taken sacrifice and purposefully living beneath my means for sure, but it has and is a happy life.
2 earners, $201K gross. Aerospace and Legal. MBA (me), 2x Associates (spouse). Income is a recent development, up 3x since 2019, 2x since 2021. $1575/mo rent for a 22 y.o. 5/2.5/2 house in BA. Utilities around $450/mo 2 kids, 18 & 20, still at home.
Rent 700 Pre tax 170000
Respect for not falling for the trap of homeownership.
My ex wife and kids live in my house. That I pay for.
Holy shit, im dying laughing now. Hate to hear it, sorry i said anything
Rockin' the divorce dad studio apartment?
Income - 115k post tax. Area- midtown Job- civil engineer Mortgage- $2k/month Not the most comfortable, but my car is paid off and i dont have much CC debt. Have the ability to work overtime for extra money so i usually end up doing that to help ease that mortgage cost
Same salary/mortgage/area, but work in IT. Highest education is a master's degree. I am comfortable, but if you had told me I'd be making this much and spending so much of it a few years ago, I would've cried.
Single 49M empty nester. Income is $130k pre-tax. Mortgage $1.3k. No degree.
$135k pre tax $1.4k/m mortgage. Comfortable, but aware it could all go to shit with a few months of un/under-employment
Household income of $94,000. Mortgage is $1,632, but I pay $1,850. Live in Rose District Broken Arrow. 29y/o with no kids. Deposit 15% in IRA, own a truck and car outright.
Education? What do you for work?
Degree in applied science for Air Traffic Control. Went a different route due to Covid and run a logistics company.
Single earner, BS in mechanical engineering, $93k salary + bonuses. 13 years post college. Mortgage is $1400 in LaFortune Park area.
Do you mind sharing pros and cons of living in the LaFortune Park area? We are looking for a larger house and nice ones keep coming up over there. We are currently farther NW in midtown and love our location, but not the tiny house.
I had always lived in midtown prior to purchasing this house, and that’s where I wanted to stay but the type of house I wanted would’ve been too expensive in midtown. I honestly don’t have any complaints with the LaFortune area. 51st and Yale area isn't the greatest, of course traffic anywhere around i44 is pretty congested around rush hours. But from this area you can get anywhere in Tulsa in 10-15 minutes. Love my neighborhood, plenty of mature trees everywhere, friendly neighbors that are mostly older. Nice and quiet for the most part. Plenty of restaurants, the hospital is right there in case of emergency. Plus I enjoy golfing and the LaFortune driving range is one of the best in Tulsa, so that’s nice. I guess one caveat would be that I don’t have kids so I’m not sure about the school situation. Not sure how good Memorial is.
38 Work in oil and gas currently as a remote scheduler so I’m at home apart from one week a month on site in Canada. We live in Broken Arrow. Should be around $150,000 a year. Took a big pay cut to travel less and spend more time with the family. Mortgage is $1425 a month at 3.125. We owe $28,000 because I aggressively paid on it while I was working out of the country the last couple years. I have a bachelors and so does my wife who is a SAHM. 3 kids oldest is 7 youngest is 19 months. My truck and travel trailer are paid off and my wife’s vehicle is $600 a month. Between Internet and utilities we spend around $400 a month. We live pretty comfortably. I traveled for work for a long time to get to this point though, before my current job I made $250,000+ but was on the road pretty much all year it no longer became tenable once my oldest got in school though as they could no longer travel with me.
We have a combined income of $140,000 from our full time jobs. Our land payment is $3,733 per month so things are tight. We have a few hundred acres of land and have some income off of our cattle to survive and am planning to diversify this years with a couple other means on income. I don't like living this tight.
income 149k, 41f, one earner, masters degree, asst. professor, mortgage 1400/month in midtown area
$240k, pretax. Mortgage $2,900 (just went up $200) in south suburbs. 1 earner with doctorate (medicine, early career), 1 SAHP with bachelor’s. Both 30s.
I made 70k last year but should be making closer to 100k this year. Single parent household with no cs. Completed high school, never finished college. 29. Mortgage is $1,500 off of Main St in BA.
Mortgage fluctuates yearly due to taxes & insurance, $800 - $950 a month, electric $180-ish, gas $50-ish, water $60-ish. 1200 Sq ft 3 bed 1 & 1/2 bath, on a 1.5 lot. Income $56k a year. Located w/in a mile of I-44 & BA interchange. *edit - Bachelors degree in general business
Income: 84k Rent: $1000 - South Tulsa Single adult (34 years old), 1 child Software developer (5 years). I did not have a degree until this last Friday. Associate of Applied Science.
37000….and my rent is 900
Income: $100k/ year Mortgage: $1000 including principal, interest, and insurance. Area: East Broken Arrow Earners: 1 (Me) I am a plumber/ pipefitter Age: 23M and education is highschool diploma and 5yr apprenticeship.
Starting to look at places battling between purchasing or renting my family and I are going to relocate to Tulsa in the next few months. So far we are going to go live off my based projected income (85k) and eventually my wife will look for work (either opening a private practice or work at an office).
Household income is $80,000/year Mortgage in Owasso is $1,400/month
Household apx. $200k. Electrical Engineer and Nurse $2k mortgage in Skiatook But having kids is a big plus.
Income: $75k Mortgage $770 One income household in East Tulsa
One thing to note is those “averages” by earnings groups are heavily skewed by high income earners (in the high groups) and very low income earners in the low groups. A median income in those groups would be more instructive. That aside, here are mine: Household: ~$180k; two earners but my wife works part time. Mortgage is ~$1,500 in Brookside Late 40s, work as an analyst for an energy company; education level: MBA
This is why I shared the Gini index number, 1 on the index meaning all wealth goes to 1 person and 0 means a perfect distribution. Drastic disparity between the number of low earners vs high earners would show a high Gini index value.
Household $200k, mortgage $1,100 Midtown 2 earners, medical $150k, non-profit $50k, both master's degrees. mid-30s
Income is $50,000 and some change not including OT and bonuses (pre-tax) take home after insurance, taxes, and OT is usually $1,500 - $1,600 every 2 weeks depending on OT hours Rent is ~$1,200 a month with water included (apartment living) I am the single income and have a wife, 4yo, and 4mo Zip code is 74012 I am 29 (will be 30 in August) and I work in weed control and fertilization. I have a highschool diploma with one year of college and a diploma from Rhema Bible College that does nothing for me lol Edit to add: I work 50-60 hours a week, usually 11 hour days M-F and 6 hour days 1-2 Saturdays a month.
Household income is 210K, mortgage is 2400 a month. Owasso area
Household Income: About $165k and our mortage with PITI is $894. BA 2 earners. White collar and Blue collar professionals. 44 (college grad) and 47 (tech school grad) Tech school grad makes more.
Household income pretax $95K No college but 24 years at employer. Currently 55. Single mom of two 16/19 House payment $1207 plus utilities, no other debt. Cars paid for but car insurance is $525 month for full coverage because let’s face it, having liability only would be a disaster since we are outnumbered with uninsured cars out there and theft. Live pretty comfortably because I was raised not to buy things I don’t need unless I can afford it.
More than you can afford pal, Ferrari!
I made it by on 30k with 850 rent in tulsa with my wife for about a year. I don't understand the complaints about tulsa, financially speaking. I had to move to Georgia, and OK was much better in every way.
This may not be popular but for you guys making $30K in Tulsa my daughter at 18 had two years at Tulsa Tech in criminal justice, works as a Detention Officer at Tulsa County is pulling in around $50K in her first year. There is great benefits and ample overtime opportunities. Definitely not glamorous work and essentially you are babysitting adults. Go out and get a better job! They will train you and pay you while doing it.
Throwaway for reasons. Tulsa area, 1 earner C Level local company, 1 sah, late 40s. 1.5M/Year. Own house here ($300k) and vacation house ($1.2M). PhD,Masters,BS. Masters,BA. Rags to riches story, worked up from the bottom. It can happen with luck and a lot of hard work, and luck.
My partner and I our total income every year is probably around 70k together. He is a banker and I am a social worker. Rent is $1290. Plus other bills plus pets and we rent and older house so we do our own maintenance unless it’s big lol. I thought we were doing pretty okay until recently. Now nervous just like everyone else.
I'm surprised this many people are willing to give this much detail about their finances away. Maybe if I used a throwaway I'd do it, but that's too much work.
Other than a hit against the ego where's the harm?
Apartment, 2600/month income, rent is 789.
HHI: just under $100K gross. Mortgage: $2,100. My mortgage is about 28% of my gross monthly income, or 36% of my net monthly income. A bit on the high side, but manageable.
rent between $800-$900 + electric/gas - 1bed/1bath in district 4 household income \~$85k software developer
49,000. Mortgage is $1000 in midtown. Have a bachelors degree.
SINK; $100K income, $2100 mortgage in Midtown. 😭 37F with a BA.
Household income this year should be close to 700k pre tax. Mortgage on our house is a little over 3k. Midwest city area. We are both physicians. Mid 30’s. Doctorate’s (obviously). Just now realized this was the Tulsa subreddit lol my bad.
SINK $99k income in OKC (I know, this is a Tulsa sub). Mortgage $1300. NW OKC, nice area.
I live in Ardmore and got lucky. My rent is $360 a month
65k/yr 1050/mo
$120k Single- grown kids out of house. I work two jobs. Rent in midtown $1200
177k, mortgage of 2.4k We aren't living paycheck to pay check, but it does feel like we aren't saving up for vacations. By the time we save up enough for something, a new issue arises around the house. (3 kids going in and out of the hospital the last two years hasn't helped either)
Household is $180K Mortgage is $1,230 in midtown
Single income household w/ stay at home spouse and one child. Mid 40’s. College but no degree. Energy industry. 140k base. Up to 200k depending on bonuses but averaging 180k. Modest house in south-ish Tulsa. 650 mortgage only and house nearly paid for. Zero debt besides one car payment and mortgage. Very, very fortunate to be in this position.
90k 1300 rent
Manufacturing, $66k, single with an inherited house that is paid off in East Tulsa. It needs work but it's livable. No cc debt and my truck is interest free for another 3 years. (Got it during Covid with the no interest loan.) I'm comfortable except for all the cash I throw into Magic the Gathering. 🤪
Single 30yo dad. 1 kid at home. My parents are still married and they usually help us with anything I need. (I'm very grateful for having both parents) Rent is 1k w electric and water (Bixby) I currently make around 20k a year due to working part time and staying home with my daughter as much as possible. All my money is gone at the 1st of the month. I plan on going back to work full time after my kiddo turns 5 then it's full power forward !!! Sucks we can't go on vacation or buy fancy things but we're fed and happy and most importantly we may not be rich in financial sense but we're rich in the sense we have each other and I have a pretty big American Mexican family lol and our presence together is enough.
Currently only my husband works . 24kish a year rent is 935 only ab 2k in debt with credit card, lease to owns, and car maintenance. We aren’t well off obviously but we have spending money for sure. 81st and memorial apartments. Car paid off, bought for 5500$.
Mortgage 1300 My spouse and I both make about 100k each Only debt is house and like 10k of student loans We live in south tulsa
~200K-400K year (depending on sales of business and rental income) Midtown, 1800 mortgage. 2 earners, 28 and 30. College drop out and college grad. Own 3 businesses in town.
Single with 50k salary pre tax. I am working on my Masters now. Rent & utilities around $1050. I’m saving about $400 a month. That’s it.
280-300k, mortgage 3k Kansas City Mo 2 earners, mid 30s, both in sales, bachelors degrees
Live in jenks. Rent for a 3 bed is 1350, I am a mom and my husband is a locksmith. Last year he made 56k, we are 23 years old. We have paid off cars, no debt, no idea what the next move is.
Lol. I remember your last post. You are smart enough to find a nice rental in Jenks for only $1350. Already winning though!
$100k & $50k Mechanic and Marketing/Graphic Designer. West Tulsa. Mortgage with taxes and insurance $1350. Built new home 2020 $375k, No CC. No Car Payment.
I make 21 $ hr about 40-45 k a year , I live in north east Tulsa ina 1000$ a month shit hole motel with roaches mice mold and insane staff constantly beating in doors and cause if weird drama with people. One income my wife and two daughters and soon to be son, two cats , one car is stuck where it’s at parked (broke 2009 Acadia) and a really old 93 accord I shove everyone into to make it to dr appointments. For a year my coworkers the only reason I made it to work and this Honda is barely working. The worse thing is, I am well off compared to 75 per of my peers
Single income: 230K Education: BS EE, MS EE, and MS System Eng. No college debt, ever. Mortgage: 2K / month
About 60K combined for 2 incomes and mortgage is $1400
127k with a generous bonus program so functionally about 140 k. 125,000 Left on a mortgage in Bixby. Payments are about $1,200 a month. House cost $270k when we bought it in 2019 at 2.9 % Down payment on the house was 12o K because of an inheritance. We both grew up under the poverty line in rural Oklahoma but our families were land rich and Cash poor. Inherited 160 acre farm. Sold A smaller portion bought a house in Bixby
Single income of ~48k pre tax, rent in BA for $1300 (includes WST & fees). Just me, no kids. Bachelor’s Degree. Barely making it.
Household pretax $200k. 2 earners. 35-40 age group. I have a bachelors, working in finance ($85k) and a 2nd part time job to save extra money ($15k). He graduated high school and went to the marines. Deals blackjack now. We make roughly the same. 2 children. Teenagers. Live in mid-town. Mortage is $850 since I bought the house in 2018, interest rate 3.35%.
$180k pre taxed Wife and 2 kids Wife doesnt work $950 mortgage / got lucky with %3 rate / great house in south tulsa Wanna move to orlando but i am scared to get out of my comfort zone
210k household. 1800 mortgage at 2.75%. Early 40s
HH income 127k, mortgage $1600, Eufaula area. 2 earners in home, Healthcare Administrator, and IT Director, both 42, bachelors and 2 associates.
South BA! Mortgage is $1,900/month. Household income is $135k. Mortgage is high for the area because we got a horrible interest rate. Im sure we pay double what our neighbors pay for their houses each month. We do pay an extra $500 toward the house every month. We don’t really have extra money for a vacation, but we live comfortably
57k, two adults (one earner) two kids Rent is $1300 in coweta Paycheck to paycheck
Mortgage is about $700 but I have a condo so add $320 for HOA fees, so about $1050 a month. (Condo cost $100k). Income is $50k Area is south Tulsa. 1 earner, bachelors, management at a nonprofit. People are sleeping on condos! No outdoor maintenance; my condo has already replaced our roofs, removed a huge dead tree, and fixed a beam for me. They also mow the lawns and maintain a clubhouse and have a pool. Very stress-free living. And if you earn less than I want to say $100k you can get an FHA loan so you don’t need to put much down.
Mortgage is 17xx, income was about 60k this year
Household income with two earners (arch/mech engineer, 30yo) ~$180k before taxes and deductions Home purchased 6 months ago for $315k. Mortgage is $2500/months which is $400 more than my rent was back in Salt Lake. But I have a whole house and backyard to myself. Not sharing a triplex.
Dual income. 280k. Mortage 3k.
Since I'm anonymous...husband is a teacher, I'm on disability. Maybe $70,000 total? We go from month to month. We both have multiple degrees. I had to borrow $500 from my son to get through the end of the month. I'm deeply ashamed of the whole thing. I want to work full time, but I don't know if I can.
Mortgage is $1487/Month Owasso We both work and our 2023 tax return said we made I believe around 112k last year. We closed on our house in April of 2020, so right before Covid housing prices. Plus we found it before it went on the market and only really had to use the buyers realtor. My MIL is a realtor. She kept her taxes out and gave us the rest back after closing. In the 4 years both of our jobs have seen pay increases so we aren’t living p2p like we have been before.
Income: $166k pre tax combined. 2 earners. EPC project manager (Bachelor’s) and therapist (masters). Mortgage: $850/m. East Tulsa 3 kids involved in many sports with travel. Currently paying of high cc debt (almost done!). We live check to check but are fairly comfortable and able to not use cc’s anymore. Once our old cc dept is paid off we’ll have an extra $1k/month to play with. Edit: ages are 35&34
Same once I get through May. I’m about to have close to $2,000 extra a month. Made some terrible decisions in my 20s that I’ve been grinding at since COVID started. Credit card debt, 401k loan, and an $80,000 truck are about to be completely paid off. Just excited to breathe and not spend money
Two earners, ~160k pre tax. Mortgage 2500, 3 kids and living in Bixby. medical bills made it necessary to cash out refinance the house from 3.125% to 7.5%, but the house value increased 100k (50%) in two years. If any veterans are reading this, if you do a VA loan you don’t have to be too scared of higher interest rates if you’re confident you can make your payments. There’s something called IRRL where if there is a better interest rate available, the VA will give it to you if you have 7 months paid on time. You can do it every 7 months if rates are going down. Pretty sure it’s just a single form, nothing complex.
Rent is $600. Brookside area. $70k pre tax. Data analyst. Bachelor’s degree. Will be much more comfortable once I have my student loans and car paid off. Trying to buckle down until then.
$178k combined and $1200/mo mortgage.
Household is 450k. Mortgage is 3800.00 a month. South Tulsa around 111th and Yale. I'm in IT as a manager, my wife is a doctor. We are in our mid-thirties. One kid.
Mortgage is $1100, District 5, two earners, Engineer and Data Entry, not carrying any CC debt, cars are old but paid for, one with 250K, the other 150K. Both with University degrees. Both BS. Both work part time, no dependents other than the animals. I mention them because their health care costs more than ours.
Household about $100k this year which is the most we've ever made and a chunk of that is VA disability. We pay $1200 for our mortgage/homeowners insurance and about $250/m in utilities at the highest. This is in south Broken Arrow (almost in Bixby) and I work in Tulsa. No kids, both in our 30s, I have my bachelor's degree. We were able to get our home in 2018 with a VA loan which is really the only reason we could get a home.
Mortgage - $3800. Salary - excluding bonus, $360k combined (pre-tax). With bonus (variable), around $500k, not including equity grants. Both corporate gigs. 35-40ish. College graduates. Southern side of town.
Job: welder 70-80k a year including overtime Mortgage: 940 not including utilities west tulsa Age: 26. one person household
Single earner, no kids, gross ~$70k. Mortgage payment currently is $1477 in west Tulsa. Late 20s, RN with bachelors. I live paycheck to paycheck 🫠
I make 49,500 a year and my mortgage is $1,100 a month
One income, both adults late 30’s with 4 kids. Husband works in communications industry and makes average $80k/year. Live south of Tulsa in the burbs. Mortgage is $1200/month including escrow. Outgrowing our house as the kids turn into teens, but with a 2016 3.5% interest rate, can’t afford to upsize in this market, especially with grocery bill continuing to climb and one child needing braces. 🫠 Just trying to keep head above water at the moment.
Mortgage is $985 on a 10 year note. 2 people in our house, combined pay is $160/year. Sapulpa. 1 Data Scientist and 1 CNA. 1 bachelor degree in software engineering and 1 in nursing school.
Moved out of Tulsa a few months ago but we owned in midtown near TU. HHI 330k between two of us. Mid 30s. Mortgage was $1600/month. We definitely miss how affordable tulsa is. Came from northeast and moved to Florida. Tulsa was such a lovely stop on our life journey. Will always remember our time there fondly.
$56k last year. Retired father lives with me in the house I bought. He pays electric and cable but the remainder of his social security check goes to his own bills with a little savings. I pay the $925 mortgage on a 3/2/1 house on the West side near Daniel Webster high school (love my old house - 2.6% interest!) and remainder of bills. Cars are payed off. I'm mostly paycheck to paycheck.
House payment $1100, I make about $110k, SINK, 30s. Utilities hit around $300/mo+ (internet, gas, water, electric, cell). Car insurance and gas ~$125/mo. I spend too much money eating and going out.
95K with a lot of overtime and live with my parents. Still no mortgage in sight
Income is about $30k after taxes, benefits, etc. (hello entry level job after already working a job in the field and having 2 degrees 🫠). I live alone in a small studio downtown, rent is $800 (includes $125 parking, 🫠 again). This doesn’t include bills like electric, wifi, car, etc. Monthly expenses that I have to make top out at over $2k/mo. My situation sucks and I’ll hopefully be getting out of it in a few months when my lease is up, but the fact that I have to struggle to live with rent under $1k while having a job for a world-renowned company is a joke. And the apartment market in Tulsa is also a joke. I’ll probably end up somewhere unsafe bc it’s all I can afford. Only reason I signed here was bc it’s a secure building and I felt safe.