Terral is a small town of 326 in Oklahoma, with a median household income of $38,750
and a 9.9% unemployment rate.
Its cost of living index is 78 (US average = 100), which is
22% below the national average.
Strengths:
Terral stands out for an affordable cost of living, below-average home prices, short average commutes.
Trade-offs:
Potential downsides include an elevated unemployment rate. Whether Terral is right for you depends on your priorities — the full breakdown is below.
All Terral city data on this page comes from official government sources —
the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 78.3
Terral's overall cost of living index is 78.3,
where 100 represents the US national average.
Living in Terral costs roughly 22% less than the average American city.
Metric
Terral, OK
National Avg
Median Home Value
$31,700
$244,900
Median Monthly Rent
$438
$1,163
Homeownership Rate
71.8%
65.9%
Median Household Income
$38,750
$74,755
Crime & Safety
Very Safe
Terral's violent crime rate is 183.3 per 100,000 residents
— 52% lower than the national average of ~380 per 100,000.
Violent Crime
183.3 /100k
Property Crime
483.2 /100k
Vertical marker = national average. Source: FBI UCR Program.
Schools & Education
Metric
Terral, OK
National Avg
School District
N/A
—
Elementary Schools
N/A
—
Middle Schools
N/A
—
High Schools
N/A
—
Student/Teacher Ratio
N/A
16:1
Bachelor's Degree or Higher
6.6%
35.4%
High School Diploma or Higher
71.3%
91.1%
Weather & Climate
Terral sees average highs of 54.4°F in January
and 95.3°F in July,
with 35.1 inches of annual precipitation
and 0.9 inches of snow per year.
Terral's cost of living index is 78, where 100 is the national average.
That makes Terral roughly 22% less expensive than a typical US city — a meaningful affordability advantage.
The median home price is $31,700 and median rent is $438/month.
Terral's violent crime rate is 183.3 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 483.2 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.
School district information is sourced from NCES Common Core of Data.
Terral, OK has a population of 326, a median household income of $38,750, and an unemployment rate of 9.9%.
It offers below-average costs of living, which stretches take-home pay further than in most American cities. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.
Terral averages 54.4°F in January and 95.3°F in July. Annual rainfall is 35.1 inches
with about 0.9 inches of snow per year.
Based on NOAA 30-year climate normals (1991–2020).
Terral, OK is covered by 1 ZIP code: 73569.
The population of Terral, Oklahoma is 326 with a median age of 49.3. Source: US Census ACS 5-Year Estimates.
Key numbers for living in Terral: cost of living index 78 (100 = US average), median home $31,700, median household income $38,750, crime index 38 (100 = US average, lower is safer). Whether these are benefits or drawbacks depends on where you're coming from — compare Terral side by side with your current city to see the trade-offs.