Stillwater, OK
Stillwater · Payne County · OK 74074
Updated August 7, 2026 · Would You Live There?
Think twice
Verdict
$259K
Median Price
48/100
Walk Score
7.4/10
Schools
Score Breakdown
Our Take
Stillwater is a low‑cost college town with decent schools and a vibrant sports scene, but it relies almost entirely on cars, has a high flood risk, and only modest amenities for non‑students. It can work for budget‑conscious families or students, but those wanting walkable living or reliable public transport should be cautious.
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The Good
- ✓Affordable median home price ($231k) relative to median income
- ✓Strong elementary and high school ratings (many rated 9/10)
- ✓Active sports culture and college community
- ✓Lower overall cost of living compared to many nearby metros
Real Talk
- !Walk score of 0 means almost all errands need a car
- !High flood risk (AE zone) means expensive flood insurance
- !Crime is moderate – campus and student housing can see higher incidents
- !Limited public transit options – bus service is sparse
- $Flood insurance premiums
- $Higher car insurance due to campus traffic
- $Utilities can be high during seasonal sports events
Best For
Risk Snapshot
Crime & Safety
Stillwater, OK
Safety grade
5% higher than the national average
2% higher than the national average
Verify with real-time data
City-Data stats →From Residents
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