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Stillwater, OK
Stillwater · Payne County · OK 74074
Updated June 19, 2026 · Would You Live There?
Think twice
Verdict
$231K
Median Price
…
Walk Score
7.7/10
Schools
Score Breakdown
CAffordability
63/100
D+Safety
55/100
BSchools
77/100
DQuietness
40/100
ACommute
100/100
FWalkability
0/100
WYLT Score56/100
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
College studentsBudget familiesSports fansThose who don’t mind driving
Risk Snapshot
Flood riskHigh
Violent crimeModerate
Property crimeModerate
Air qualityModerate
Price volatilityModerate
Crime & Safety
Stillwater, OK
D+
Safety grade
Safety score55 / 100
High riskVery safe
⚠️Violent Crime
Moderate3.9incidents / 1,000 residents / yr
0Natl avg (3.7)11+
5% higher than the national average
🔒Property Crime
Moderate19.8incidents / 1,000 residents / yr
0Natl avg (19.5)59+
2% higher than the national average
Verify with real-time data
City-Data stats →From Residents
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