I live in Tulsa and love it in so many ways, but it is no secret that Oklahoma has many, many problems. I do believe that change is coming, but there is so much that needs to be improved.
Things that I love here: the people, little traffic comparatively, a low COL, our growing downtown area, the Gathering Place (Google to read about - it is incredible). It’s called Green Country for a reason.
Things that I do not love: education (though our kids go to a fantastic public middle and high school, so it’s not all bad), the racial and socioeconomic silos that still exist throughout the city, lack of decent public transportation (they’re working on it, but...eh), healthcare issues noted above, and dreadful state leadership.
RiverChase is very affordable, yes, but there is a reason for that. Read up about crime in the area and specifically at that apartment complex. Their website makes it look a lot different than it does in reality. Have you ever been to Tulsa? If not, I’d try to spend a week here, talking to the locals and seeing what the city has to offer and what it lacks.
(Also, while your budget notes health insurance costs, it does not contain out of pocket medical expenses. This is a major line item in our budget, so it jumped out at me.)