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Ponca City, Oklahoma

USA · Comprehensive city data and intelligence

49
Overall Score

Ponca City, Oklahoma, is a community in north-central Oklahoma, known for its rich history tied to the oil boom and the Ponca Tribe. The city offers a blend of small-town charm with a focus on local industry and community life. Its strategic location and business-friendly environment have made it an attractive spot for businesses and residents alike, particularly those seeking a lower cost of living compared to national averages. The city's character is shaped by its agricultural heritage, energy infrastructure, and a growing emphasis on manufacturing. While experiencing a slight population decline in recent years, Ponca City continues to invest in its infrastructure and tourism initiatives, aiming to enhance its appeal as a place to live and work.

About Oklahoma

Oklahoma, located in the South Central United States, is characterized by diverse landscapes ranging from plains to mountains and a rich Native American heritage. The state's economy has historically relied on oil and gas production and agriculture, though it has diversified to include aerospace, telecommunications, energy, and manufacturing. Living in Oklahoma generally offers a lower cost of living compared to the national average. The climate features hot summers and mild winters, with a propensity for severe weather, including tornadoes. The lifestyle is often described as hospitable and friendly, with a blend of cultural history and outdoor activities.

24,221
Population
$33K
Avg Salary
83
Cost Index
49.4
Quality Score
How this 49/100 was calculated five components, with every reading behind them
Component Readings used Points Weight Contributes
Safety Safety score: 25 / 100 25.0 30% 7.5
Affordability Cost of living index (100 = national baseline): 83.0 65.0 25% 16.3
Economy & jobs Median household income: $55,941 Income needed to live here: $52,000 Unemployment rate: 4.2% 53.5 20% 10.7
Growth No usable reading — dataset average used 56.4 15% 8.5
Business climate assessment Business climate assessment: 65 / 100 65.0 10% 6.5
Overall score 49.4

Provenance. These figures were produced by the research pass recorded as Gemini (Tier 2 (reasoned), q=92 ✓ perfect), last refreshed 17 August 2026. They are researched estimates drawn from public sources, not a licensed data feed.

Each component is scored against fixed published endpoints, so this number is comparable with any other city and does not move as the dataset grows. Scoring framework 2026.10 — full methodology, weights and accepted ranges.

Businesses in Ponca City

Featured local businesses in Ponca City.

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Quality Scores

Business
65
Livability
60
Affordability
85
Growth
45

Cost of Living

The cost of living in Ponca City is notably lower than the national average, making it an attractive option for those seeking affordability. Overall, Ponca City's cost of living is approximately 17.4% lower than the national average. Housing expenses are a significant driver of this affordability, being about 30.8% less expensive than the national average. Groceries and utilities also contribute to the lower cost, with prices generally 6.6% and 6.6% lower than the U.S. average, respectively. Transportation costs are also more affordable, estimated to be around 11.0% less than the national average.

Average Rent
$800/mo
Groceries
$649/mo
Transport
$186/mo
Utilities
$208/mo
Healthcare
$139/mo
Gym membership (monthly)
$40.00
Cinema ticket
$12.00
Restaurant meal (mid-range)
$20.00
Monthly groceries
$649.00
Doctor visit (without insurance)
$140.00

Salary Insights

Ponca City's economy is primarily driven by a diverse range of industries, with manufacturing, retail trade, and healthcare and social assistance being the largest employers. Other significant sectors include agriculture and the energy industry, particularly oil and gas, benefiting from the city's strategic location within major energy infrastructure. In 2024, manufacturing employed 2,643 people, retail trade 2,442, and healthcare and social assistance 2,099. Despite these established industries, the city experienced a slight decline in employment at a rate of -0.508% from 2023 to 2024. The average individual income in Ponca City was $32,704 in 2024.

The average salary in Ponca City is $32,704 per year. You would need approximately $52,000 to live comfortably.

Top Industries

Retail Trade Manufacturing Health Care & Social Assistance Agriculture Energy (Oil & Gas)

Climate

🌡️
Avg Temp
☀️
Summer High
❄️
Winter Low
🌧️
"
Annual Rain
💧
75.00%
Humidity
🌤️
Sunny Days

Transport

Transportation in Ponca City is predominantly car-dependent, with most residents relying on personal vehicles for commuting. The average commute time for residents was 15.7 minutes in 2024, which is lower than the national average. Car ownership is approximately the same as the national average, with households owning an average of two cars. Public transit options are limited, and walkability scores are generally low, reflecting the city's design around vehicular travel. This reliance on personal vehicles is a key aspect of daily life for most Ponca City residents.

16 min
Avg Commute
20.00/10
Transit Score
30.00/10
Walkability
High
Car Dependency

Pros & Cons

Advantages
The cost of living in Ponca City is 17.4% lower than the national average, making it highly affordable.
Housing expenses are significantly lower, approximately 30.8% less expensive than the national average.
The average commute time is relatively short at 15.7 minutes.
Ponca City has a strong presence of manufacturing, agriculture, and energy industries, providing diverse employment opportunities.
The city offers a temperate climate with distinct seasonal changes, suitable for various outdoor activities.
Drawbacks
Ponca City has a higher crime rate than the national average, with an overall safety grade of D+.
The city has experienced a slight population decline, with a projected annual rate of -0.02% in 2026.
Employment in Ponca City saw a decline of -0.508% from 2023 to 2024.
Public transportation options are limited, and the city is highly car-dependent.
The poverty rate in Ponca City is 17.95%, which is higher than the national average.

Questions about Ponca City

What people ask about living in and moving to Ponca City, Oklahoma.

How are the public schools in Ponca City rated? Schools & Education 1 answer

The public schools in Ponca City serve a diverse student population and offer a range of academic programs. While specific ratings vary by grade level and program, the district typically emphasizes core curriculum, extracurricular activities, and community involvement. Parents can review school performance reports, which are usually published by the state education department, and visit schools to meet teachers and a...

Is Ponca City a safe place to live? Safety 1 answer

Ponca City’s safety score is 25.0 out of 100, indicating that crime rates are relatively high compared to many other communities. Residents often report concerns about property crime and occasional violent incidents. It’s advisable to research neighborhood-specific statistics, speak with local law‑enforcement officials, and review community watch programs. Taking standard precautions such as securing your home, stayi...

How does the cost of living in Ponca City compare to the national average? Cost of Living 1 answer

Ponca City’s cost of living index is 83, which is 17 points below the national average of 100. This means everyday expenses like groceries, utilities, and transportation are generally cheaper than in many other parts of the country. With an average annual salary of $32,704, you can expect to have a comfortable budget for housing, food, and discretionary spending. However, keep in mind that the average rent of $800 pe...

What is the average rent for a one-bedroom apartment in Ponca City? Housing 1 answer

The average rent for a one-bedroom apartment in Ponca City is approximately $800 per month. This figure reflects typical market rates for modest, single-family homes and apartments in the area. Rent can vary based on location, amenities, and the age of the property. If you’re looking for more detailed listings, you can browse local real‑estate websites or contact a local realtor to see current availability and pricin...

What types of jobs are most common in Ponca City? Jobs & Economy 1 answer

Ponca City’s economy traditionally centers around manufacturing, agriculture, and energy production. Many local jobs involve plant operations, logistics, and support services for these industries. Additionally, there are opportunities in retail, healthcare, and education, reflecting the city’s community needs. If you’re seeking employment, look for listings on regional job boards, local newspapers, or the city’s offi...

What public transportation options are available in Ponca City? Getting Around 1 answer

Ponca City offers a modest public transit system that includes local bus routes connecting key residential areas with commercial centers, schools, and community facilities. The service schedule typically runs during weekday commuting hours, with limited evening and weekend options. For detailed route maps, schedules, and fare information, consult the city’s transportation department website or contact the local trans...

What are some popular local attractions in Ponca City? Things to Do 1 answer

Ponca City offers a mix of cultural and recreational activities. Visitors often enjoy the local museums that showcase regional history, historic downtown shops, and seasonal festivals that highlight community traditions. Outdoor enthusiasts can explore nearby parks, hiking trails, and water recreation areas. The city also hosts community events such as farmers markets, art fairs, and live music performances. Checking...

What should I know about moving my belongings into Ponca City? Moving Here 1 answer

When moving to Ponca City, consider the local climate—hot summers and mild winters—so pack accordingly. Many families use local moving companies that offer full-service options, including packing, loading, and unloading. It’s helpful to compare quotes and read customer reviews to find reliable movers. If you’re transporting a vehicle, check local parking regulations and any required permits. Once you arrive, register...

What is the overall vibe or character of Ponca City? General 1 answer

Ponca City is a small‑town community with a strong sense of local identity and hospitality. Residents often describe the city as welcoming, with a blend of rural charm and modest urban amenities. The community values its historical heritage, agricultural roots, and local festivals. While the city offers essential services and a close‑knit atmosphere, it also provides access to larger nearby cities for additional ente...

What healthcare facilities are nearby for regular check‑ups? Healthcare 1 answer

Ponca City hosts a range of healthcare providers, including primary care clinics and urgent care centers that handle routine medical needs and minor emergencies. For more serious conditions, residents typically travel to larger hospitals in neighboring cities, which offer emergency departments and specialized services. The city’s health department website lists local clinics, their services, and operating hours. If y...

Some answers here were drafted as a starting point and may be out of date. Live in Ponca City? Add your own.

Frequently Asked Questions

Urblytica benchmarks its Cost of Living Index against a United States national average baseline of 100. A score of 115 means a city is approximately 15% more expensive than the national average, while a score of 85 indicates it is 15% more affordable. This composite calculation is weighted across six primary expenditure categories: housing, utilities, grocery items, transportation, healthcare, and miscellaneous goods.

Urblytica aggregates housing data from multiple authoritative sources, including Multiple Listing Service (MLS) feeds, municipal property tax registries, the U.S. Census Bureau’s American Community Survey (ACS), and verified historical deed transactions. This multi-tier aggregation ensures precision in tracking median home values and rental rates.

A municipality must meet minimum data-density thresholds—including consistent reporting population samples from the U.S. Census and active residential or commercial real estate transaction feeds—to ensure statistical significance before a complete scoring profile is published.

When primary agencies (such as the Bureau of Labor Statistics or U.S. Census Bureau) issue historical data revisions or benchmark corrections, Urblytica's data pipeline automatically re-indexes affected historical archives to maintain longitudinal trend accuracy.

U.S. affordability calculations incorporate federal income tax brackets, state-specific income tax rates, and local municipal tax variations to evaluate the true net tax drag on median household earnings across different states and cities.

Local county and municipal property tax millage rates are factored directly into the housing component of the cost-of-living index to reflect recurring annual tax burdens for homeowners.

The platform aggregates state sales taxes alongside county and city surtaxes to measure consumer basket purchasing power parity accurately across different retail jurisdictions.

Utility calculations apply regional seasonal consumption weightings, incorporating high summer air conditioning loads in southern states and heavy winter heating demands in northern states.

The index tracks average out-of-pocket healthcare expenses, routine outpatient visit costs, and regional health insurance premium benchmarks published by federal health agencies.

Educational metrics aggregate state standardized testing benchmarks, student-to-teacher ratios, high school graduation rates, and per-pupil expenditure data published by state departments of education.

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