With rolling hills and flat golden plains, Oklahoma has a lot to offer seniors who are looking for a place to retire. It’s home to the Oklahoma City Museum of Art, Armstrong Auditorium, the Will Rogers Memorial Museum and the Myriad Botanical Gardens, which provide individuals with plenty of activities and things to see. Rich in cultural history, Oklahoma celebrates various Native traditions, including the American Indian culture and real-life cowboys. The state provides a full exemption of Social Security retirement and a $10,000 deduction for other types of retirement income. The cost of living in Oklahoma is also lower than the national average, so seniors may be able to keep more of their annual incomes. The state experiences four distinct seasons with July highs around 93 degrees, and January lows are around 26.

Active seniors who need little to no assistance with grooming, housekeeping and other daily living tasks may choose an independent living community for retirement. These communities target older adults ages 55 and older who want convenient access to socialization, entertainment and activities with other adults of the same age. In Oklahoma, the cost of Independent living is around $2,438 per month.

This guide covers the cost of independent living in the state with the national average and the cost in surrounding areas and also offers a list of popular resources.

The Cost of Independent Living in Oklahoma

Independent living offers the lowest level of care for seniors. The cost is typically 30 to 40 percent lower than the cost of assisted living. We estimated the cost in Oklahoma by subtracting 35% from the average monthly cost of assisted living from the 2020 Genworth Cost of Care Survey.

Independent living in Oklahoma is $2,438. This is $357 less than the national average, which may make the state an attractive place for seniors to retire. Comparing surrounding states, Arkansas has the lowest cost at $2,275. To the south, Texas residents pay around $2,599 and to the north in Kansas, seniors pay approximately $3,309. To the west, Colorado independent living costs an average of $2,974 and in New Mexico, it is $2,633. 

$2438

Oklahoma

$2795

The United States

$2275

Arkansas

$2599

Texas

$3309

Kansas

$2974

Colorado

$2633

New Mexico

Paying for Independent Living in Oklahoma

Independent living communities offer a variety of services for seniors, like landscaping and housekeeping, and the cost can vary. Because this service doesn’t include help with daily living or medical care, most insurance companies do not cover the cost so seniors must pay out-of-pocket. Some of the most common ways to pay for independent living include social security benefits and pensions, Supplemental Security Income (SSI) and annuities. Seniors who own their own homes may opt for reverse mortgages, which provide seniors with access to the existing equity. The US Department of Housing and Urban Development also offers housing vouchers and other home assistance to low-income seniors. 

Independent Living Resources in Oklahoma

The following is a list of popular resources that help seniors in Oklahoma age in place for as long as possible. Resources are available for nutrition, employment, and involvement in the community. 

ResourceContactService
Aging Services Division(405) 521-2281A division of the Oklahoma Department of Human Services, the Aging Services Division helps develop programs, services and systems that help seniors remain independent as long as possible. The agency also promotes senior involvement in the community. Services include senior day centers, insurance counseling, legal advice, the Senior Farmers Market Nutrition Program (SFMNP) and transportation. 
Area Agencies on Aging(800) 211-2116There are 11 local Area Agencies on Aging within the state of Oklahoma. These regional agencies help seniors ages 60 and older, their family members and caregivers receive information on local programs and services for the aging population. Some of the services the agency provides include referrals, benefits counseling and legal assistance. 
Oklahoma Senior Corps Program(405) 521-6240The Oklahoma Senior Corps Program helps connect seniors with organizations that could use volunteers and the expertise of older adults. This includes placement in the Foster Grandparents Program and the Senior Companion Program. 
Supplemental Nutrition Assistance Program (SNAP)(405) 521-2779SNAP helps low-income seniors pay for groceries using an Electronic Benefit Transfer (EBT) card. Seniors who qualify for SNAP may use their cards to buy nutritious food at any participating retailer. 
AARP Senior Community Service Employment Program (SCSEP)(855) 850-2525The SCSEP helps low-income seniors ages 55 and older locate work. The program can also help active seniors learn new skills that are needed by employers.