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Place dossier plate
SheetOK-STILLWATER-OK · Stillwater, OK 48,818 pop · income 10th pct · 23 tracts
Instrument codes from this place’s ACS population and household income, BEA state COL, FBI safety, national income percentile, photo-finish peer city, home-value band, and matched Census-tract book - not a moving recommendation.
Income neighbourhood around Stillwater
Lowest/highest poles plus peers nearest Stillwater on median household income. Full ladder: /browse and /rankings.
median HH income
University CD… · lowest
36,483
University CD… · lowest
36,483 median HH income
25.9% of the leader · rank #1
Windsor · near
42,004
Windsor · near
42,004 median HH income
29.9% of the leader · rank #2
Washington Pa… · near
42,008
Washington Pa… · near
42,008 median HH income
29.9% of the leader · rank #3
Stillwater · this city
42,015
Stillwater · this city
42,015 median HH income
29.9% of the leader · rank #4
Andersonville · near
42,016
Andersonville · near
42,016 median HH income
29.9% of the leader · rank #5
Whitney · near
42,024
Whitney · near
42,024 median HH income
29.9% of the leader · rank #6
Leesburg · highest
140,668
Leesburg · highest
140,668 median HH income
100.0% of the leader · rank #7
What this shows Neighbourhood peers only - not a full nationwide city board. Open a near peer when the gap is small; open the poles when the spread is wide.
Compare beyond this state
Nationwide peers by population, income, and FBI crime rate
Out-of-state nearest neighbors for Stillwater on ACS population and median household income
, plus FBI UCR reporting rate when the extract covers this place. Link sets are deduped so each column is a distinct comparison path, not a forecast that peers share a labor market or climate.
Similar population
Nearest out-of-state cities by ACS population. This city: 48,818.
Agency-reported UCR totals per 100,000 population, not a neighborhood safety grade or a prediction of personal risk.
Stillwater - the verdict
Measured against every US city with at least 1,000 residents, Stillwater lands in the 10th percentile for household income and the 39th percentile for safety. Source: Census ACS + FBI UCR.
10th
percentile, household income
51st
percentile, home value
14th
percentile, median rent
39th
percentile, safety
📝 How we sourced this
Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.
Data Snapshot: Stillwater, OK
Oklahoma's Stillwater is a small city, with 48,818 residents per the latest Census Bureau ACS figures. The typical household in Stillwater brings in $42,015 a year, in the lower quartile of U.S. cities for household income, with a poverty rate of 12.7%. Home values in Stillwater run a median of $230,900, and the median resident age is 23.7 years. About 51.9% of adults hold a bachelor's degree or higher, while 53.1% of working-age residents are in the labor force.
In 2024, 140 residential building permits were authorized in Stillwater (Growing), up 9% from five years earlier, per Census BPS data. Stillwater reports a comparatively low crime rate: FBI UCR figures show 1733.1 crimes per 100,000 residents, below the national average (reporting is voluntary across agencies, so treat this as reporting activity rather than a definitive danger score). NOAA climate normals record an annual average temperature of 60.2°F with 36.0 inches of precipitation per year.
Living costs in Oklahoma run below the national norm: BEA Regional Price Parities 2024 puts Oklahoma at 87.8 on a 100-equals-national-average scale (Well Below Average). Statewide, HUD pegs Fair Market Rent for a two-bedroom unit at $995 monthly. Monthly utility costs average around $205 across Oklahoma, per EIA 2023 residential energy estimates. Workers in Stillwater report an average commute of 13.8 minutes, with 74.0% driving alone and 9.2% working from home. On FEMA's National Risk Index, this area rates 55.5 out of 100 for natural-hazard exposure (Moderate).
A decision-led reading path
Useful questions to ask of Stillwater's data
How this reading path is ordered
This is not a composite city score. It is a city-specific route through the available public records, ordered for this profile so the page starts with questions the joined data can actually answer. The route here runs from population change to comparison shortlist to within-city variation to work and mobility to schools and households to reported crime to climate and hazard context to housing and income; another city can have a different sequence or fewer supported layers because the source joins are not uniform.
For Stillwater, city-specific coverage includes matched public-school count, annual population history, within-city Census tract profiles, local building permits, FBI reported-crime rates, commute-mode shares.
All six city-specific enrichment layers used by this profile are present.
1. Population change
Is Stillwater growing, shrinking, or holding steady?
Recent estimates point upward. Growth can increase housing demand and service needs, but the permit record must move in the same direction before calling it a supply response; the two series measure different things.
Census PEP estimates show the population grew by +1,686 residents from 2020 to 2025, a +3.5% change. Separately, Census BPS recorded 140 housing units authorized in 2024. PEP and ACS are different Census series, so the trend is kept separate from the headline ACS population.
Which cities make useful reference points for Stillwater?
Within Oklahoma, the closest population matches are Enid (50,821 residents, $63,472 income); Midwest City (58,170 residents, $57,739 income); Owasso (39,013 residents, $79,386 income). Outside the state, the closest population matches in this dataset are Leesburg, VA (48,788 residents); University CDP (Hillsborough County), FL (48,868 residents); Ceres, CA (48,918 residents). A third, income-matched reference set of 6 out-of-state cities sits in the income neighbourhood chart near the Place Dossier plate. These are mechanical peer sets, not claims that the places share a labor market, climate, culture, or metro context.
Use the in-state set to hold state policy and broad price conditions more nearly constant. Use the nationwide size set to ask whether cities with a similar resident count produce different housing, income, or commute outcomes. The income set is a third lens, deliberately separate from population matching. The nationwide peer panel below adds a fourth FBI UCR reporting-rate lens, not personal risk.
What can 23 Census tracts reveal inside Stillwater?
That layer breaks the citywide income, rent, and home-value medians into smaller Census geographies, which can reveal differences that one municipal median necessarily hides. A tract is a statistical area, not a locally defined neighborhood or a promise about conditions on a particular block. Start with the city profile for the broad comparison, then use the tract layer to test whether the same housing and income pattern is consistent across the city. Large within-city spreads are a reason to avoid treating any citywide median as a universal resident experience.
PlainCities matches 23 Census tracts to this city.
What does the journey to work look like in Stillwater?
Mode share answers how workers usually travel; it does not measure congestion, reliability, distance to a particular job, or the quality of transit service. No single mode completely explains the work trip here. The mix is more useful than a one-number commute grade, especially when comparing places where transit, walking, and remote work divide the non-driving share differently.
Driving alone is the largest reported mode at 74.0%. The reported mean trip to work is 13.8 minutes.
These joined records add useful context, but they do not need another full-size panel. Each remains a separate measure with its own geography and source boundary.
Schools and households
What does the education layer cover for Stillwater?
The NCES join finds 9 public schools within the city match. 51.9% of adults age 25+ hold a bachelor's degree or higher in the ACS estimate. These measures answer different questions: the school count describes local institutions, while adult attainment describes residents and cannot be used as a school-quality rating.
The city has a broader matched school footprint, but count alone does not describe performance, capacity, program availability, or attendance boundaries. This profile deliberately avoids converting it into an unsupported family-friendliness score.
Matched public schools
9
Bachelor's degree+
51.9%
Poverty estimate
12.7%
NCES Common Core of Data school locations plus Census ACS resident characteristics.
What can the FBI record say about safety in Stillwater?
Treat this as a reporting-rate comparison, not a prediction of personal risk or a neighborhood-level safety grade. Tourism, daytime population, reporting practices, and variation inside the city are not adjusted away. The state rank and same-state peer table are the narrower comparisons available on this page.
The joined FBI UCR record reports 1733.1 violent and property crimes per 100,000 residents, below the 2280.5 national reference used here. The difference is 24% lower in arithmetic terms, but agency participation is voluntary and reporting completeness varies.
Property rate
1550.8
Violent rate
182.3
Total reported rate
1733.1
FBI Uniform Crime Reporting, incidents per 100,000. Voluntary agency reporting; not a danger score.
What physical conditions frame life in Stillwater?
NOAA normals put the annual mean temperature at 60.2°F, with 36.0 inches of precipitation. FEMA's state-averaged National Risk Index score for Oklahoma is 55.5 out of 100. Climate normals describe long-run weather; the FEMA score on PlainCities is a state average of county NRI inputs and combines hazards, exposure, vulnerability, and resilience.
The two sources should not be blended into one comfort or safety score. Use the climate values for baseline conditions and the risk index as a prompt to inspect specific hazards, insurance, and local emergency guidance for a particular address.
Mean temperature
60.2°F
Annual precipitation
36.0 in
FEMA risk index (state avg)
55.5
NOAA Climate Normals and FEMA National Risk Index (state-averaged on PlainCities). Hazard context is not address-level.
How far does income reach against housing in Stillwater?
The home-value-to-income reference is comparatively stretched: the ACS median home value is 5.5 times median household income. The ACS poverty estimate is 12.7%, which keeps the citywide median from describing every household.
This is a citywide price-to-income reference, not a mortgage-affordability test; it does not include interest rates, taxes, insurance, household size, or an individual buyer's down payment. Housing value is high relative to the citywide income median. That flags a question for comparison, not a verdict: tenure, household composition, financing costs, and the age of the ACS estimate can all change what a resident actually pays.
Household income
$42,015
Home value
$230,900
Value / income
5.5×
City-level Census ACS 2023 medians. The ratio divides two separate medians and is descriptive only.
Lowest-decile income · poverty 12.7% (Above-median poverty)
Cost of Living Index (state)
87.8 (US=100)
Very affordable · BEA RPP 2024, Oklahoma average
C-
City profile score · Stillwater, OK
50/100
5 published dimensions · ACS/FBI 2023
Comparative score against U.S. cities with population of 1,000 or more on Census ACS medians
(income, poverty, bachelor's share, cost of living) and FBI UCR violent-crime rates when
published. Higher means a stronger standing on those published figures, not a livability
rating, not a recommendation to move, buy, or pick a "best" city. Missing inputs drop out
and redistribute weight.
How it is calculated.
Cost of living A+
87.8 index
BEA state Regional Price Parities index (100 ≈ national average); lower is stronger on this axis. Same value for every city in the state.
Bachelor's+ share A
51.9%
Adults with a bachelor's degree or higher; ACS.
Violent crime C-
182 /100k
FBI UCR violent offenses per 100,000 residents; lower is stronger on this axis.
Poverty rate F
12.7%
Share of residents below the poverty line; lower scores better on this axis.
Household income F
$42,015
Median household income vs U.S. cities (pop ≥1,000); ACS.
Stillwater profile (scored ACS/FBI dimensions)Read the chart values
Cost of living: 94/100 (A+) · 87.8 index
Bachelor's+ share: 85/100 (A) · 51.9%
Violent crime: 50/100 (C-) · 182 /100k
Poverty rate: 29/100 (F) · 12.7%
Household income: 9/100 (F) · $42,015
Where Stillwater sits on home value vs crime among peer cities
Stillwater's median home value and FBI crime rate plotted with similar-size and
same-state peers (padded with large cities when the peer set is thin). The second
read: pricey does not always mean safer, check which quadrant this city lands in.
Census ACS median home value vs FBI UCR crime rate - Stillwater highlighted among 11 peers.Read the chart values
Stillwater, OK (this city): home $230,900, crime 1,733/100k
Leesburg, VA : home $617,700, crime 1,830/100k
Ceres, CA : home $397,200, crime 2,245/100k
Euclid, OH : home $114,700, crime 1,453/100k
Titusville, FL : home $243,100, crime 1,799/100k
Enid, OK : home $143,500, crime 2,922/100k
Midwest City, OK : home $158,400, crime 2,428/100k
Owasso, OK : home $231,400, crime 1,533/100k
Bartlesville, OK : home $154,900, crime 2,492/100k
Muskogee, OK : home $124,900, crime 3,935/100k
Moore, OK : home $189,300, crime 1,703/100k
How does Stillwater compare to other US cities?
Where Stillwater sits among all US cities (population 1,000+) on each measure, computed live from Census and FBI data.
Household income10% higher than other cities
Home value51% pricier than other cities
Median rent14% pricier than other cities
Safety39% safer than other cities
"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.
Zoom in to just Oklahoma and the picture shifts: Stillwater ranks #112 of 203 Oklahoma cities by lowest crime rate, a different read than the national percentile above.
How we calculate these percentiles & ranks
Each percentile compares Stillwater against every qualifying US city; each in-state rank narrows that to Oklahoma only. Full formula and direction notes: methodology.
Oklahoma-relative analysis
Median Gross Rent places Stillwater near the bottom of Oklahoma's cities
Among the 671 Oklahoma cities PlainCities tracks with reported median gross rent data, Stillwater ranks #1 - the 0th percentile within the state. This is a different, narrower cut than the nationwide percentiles above: it compares Stillwater only against its own state's cities, not the full US field.
Median Household Income
#481 of 639
25th percentile in Oklahoma
Median Gross Rent
#1 of 671
0th percentile in Oklahoma
Median Home Value
#34 of 628
95th percentile in Oklahoma
Poverty Rate
#337 of 671
49th percentile in Oklahoma
Bachelor's Degree or Higher
#11 of 671
98th percentile in Oklahoma
How in-state ranks are ordered
Ranked by raw value (highest first); a higher rank is not automatically "better" for every measure, see each metric's own context above. This is a comparison within Oklahoma only, not a livability score. See the methodology for the source and calculation.
Gauge source note
10th percentile nationally for median household income · 39th percentile for safety (lower crime rate). Source: Census ACS 2023 / FBI UCR 2023.
Stillwater's profile vs. every US city
Income, affordability, and safety percentile
Stillwater's percentile rank on 3 favorable-direction measures (income, affordability, safety) vs. every tracked US city -- higher on every axis is more favorable. Not a composite quality score, just the arithmetic mean of the axes shown.
How Stillwater's home value compares nationally
Median home value vs. every US city (population 1,000+)
$230,90049th percentilemore affordable than 49% of 15,600 US cities
Show national distribution
Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau ACS 5-Year Estimates · 2023
Stillwater's home-value-to-income ratio: 5.5×
ACS median home value divided by median household income.
Band
pressured
> 5.0×
National rank
#13,577 of 15,516
More affordable than 12% of tracked cities (pop. 1,000+)
Size class
#2,814 of 3,317
Small cities (10,000–49,999)
At 5.5×, Stillwater sits in the pressured band:
national rank #13,577 of 15,516 and #2,814 of 3,317small cities (10,000–49,999).
Housing value is high relative to the citywide income median, a comparison flag, not a verdict on any household.
How this ratio is calculated
Ratio = Census ACS 2023 median home value ÷ median household income for cities with both fields and population ≥ 1,000.
Rank 1 = lowest ratio (most compact). Bands match the fleet affordability thresholds used on guides (<3.0 / 3.0–5.0 / >5.0).
This is not a mortgage payment estimate and does not include rates, taxes, insurance, or down payment.
Income distribution context
$42,015Stillwater, OK median household income (Census ACS)
Show U.S. national quintile / Lorenz context Stillwater, OK median household income (Census ACS 5-year) with U.S. national quintile shares for context. Diagonal = equality; the curve is national, not computed for Stillwater, OK.
Key socioeconomic indicators
Bachelor's degree or higher (adults 25+)51.9%
Census ACS S1501, educational attainment
Poverty rate (households below FPL)12.7%
Census ACS S1701, poverty status
Labor force participation (adults 16+)53.1%
Census ACS S2301, share of working-age residents in the labor force
Population
48,818
Median Income
$42,015
Median Home Value
$230,900
Median Age
23.7
Poverty Rate
12.7%
Labor force participation
53.1%
Bachelor's Degree+
51.9%
Safety & Crime
Total Crime Rate
1733.1
per 100,000 residents
Violent Crime
182.3
per 100,000 residents
Property Crime
1550.8
per 100,000 residents
Crime reporting caveat
Reflects incidents reported to the FBI's Uniform Crime Reporting program — agency participation is voluntary and reporting completeness varies by jurisdiction and year, so this reflects reporting activity, not a definitive danger score. Not adjusted for tourism, commuter, or daytime population.
Climate
Avg Temperature
60.2°F
Annual Precipitation
36.0"
Annual Snowfall
N/A
Schools
Total Schools
9
Public schools in this city
Population Change
PEP vintage
Annual U.S. Census Bureau Population Estimates Program (PEP) estimates, 2020–2025
Stillwater's Census PEP population estimates, 2020–2025.Read the chart as text
Period
Population
2020
48,360 residents
2021
48,761 residents
2022
49,215 residents
2023
49,617 residents
2024
49,838 residents
2025
50,046 residents
Housing Supply
BPS source
Census Bureau Building Permits Survey (BPS) - annual residential permits authorized
🏗️ Growing
Total Permits (2024)
140
housing units authorized
Single-Family
126
detached homes
Multifamily
14
apartments & condos
Supply Intensity
2.9
permits per 1,000 residents
5-Year Permit Trend (2019–2024)
Year
Total
Single-Family
Multifamily
Est. Value
2019
128
70
58
$22.5M
2020
110
100
10
$27.3M
2021
210
174
36
$48.4M
2022
191
141
50
$41.6M
2023
192
156
36
$45.1M
2024
140
126
14
$32.2M
Permit volume increased 9% from 2019 to 2024.
Commute Patterns
Commute source
How workers travel to work, Census ACS 2023
Average Commute Time
13.8 minutes
Drive Alone
74.0%
Carpool
6.3%
Public Transit
1.0%
Walk
5.9%
Work from Home
9.2%
Other
3.6%
Based on 22,348 workers 16 and over.
Monthly Utility Costs
Oklahoma statewide monthly utility average (EIA 2023): $205
EIA 2023 residential energy data puts average monthly utilities across Oklahoma at $205 (electricity about $115 , water and sewer about $40 ).
These are Oklahoma statewide averages, not a meter reading for Stillwater. Actual bills vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.
Living Costs & Risk
Oklahoma's BEA cost-of-living index is 87.8 (Well Below Average; US average = 100, RPP 2024). HUD Fair Market Rent for a typical two-bedroom in the county around Stillwater is $995/mo. FEMA's National Risk Index, averaged to Oklahoma statewide on PlainCities, rates natural-hazard exposure at 55.5 / 100 (Moderate).
Cost/risk geography note
Cost of living is a Oklahoma statewide BEA average; rent is a county-level HUD Fair Market Rent for the county Stillwater sits in; the FEMA hazard score shown here is a statewide average of county NRI inputs, not a parcel-level reading.
How Stillwater compares to similar-size Oklahoma cities
Same-state peer method
Closest same-state population matches, not geographic neighbors. Population + median household income come from Census Bureau ACS 5-year B01001 and B19013.
Source: U.S. Census Bureau ACS 5-Year 2023, FBI UCR, NOAA Climate Normals, NCES CCD, Census BPS 2024, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.