Oxnard, CA Cost Of Living

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Oxnard cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
Index	Oxnard	California	National
Cost of living index	134	140	100
Index	Oxnard	California	National
Goods & Services index	112	111	100
Groceries index	116	118	100
Health care index	111	113	100
Housing index	182	196	100
Transportation index	126	128	100
Utilities index	107	118	100

A general overview of the cost of living index for Oxnard, CA is displayed above. In Oxnard, CA, the overall cost of living index is 134, which is 4% lower than the California average and 34% higher than the U.S. average. The following categories are used to calculate the overall cost of living index: goods/services (33%), housing (30%), groceries (13%), utilities (10%), transportation (9%) and health care (5%). From the list, it is clear that the categories of goods/services and housing are responsible for the largest portions of the overall cost of living index. As a general rule, everyday goods and services provide an accurate measure of the general cost of goods in any given city. In the case of Oxnard, CA, the city's goods and services are equal to the California average and 12% higher than the U.S. average.

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Did you know?

The cost of living in Oxnard is 4% lower than the California average.
The cost of living in Oxnard is 34% higher than the national average.
The cost of housing in Oxnard is 82% higher than the national average.
California general sales tax is 42% higher than the national average.
California state income tax is 55% lower than the national average.

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Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index

Using the salary calculator lets you compare the salary you earn in Oxnard, CA to what it is in other cities. It will let you know what your earnings would have to be in another city to have the same standard of living, as determined by the cost of living in each city. For example, if the cost of living in the area you want to move to is higher than the cost of living in Oxnard, CA, you have to earn a higher income in order to still have the same standard of living. To operate the Oxnard, CA salary calculator, put in the name of the other city, then move the slider to the point that represents the current income. The salary calculator will take care of the rest and tell you how much more or less you must earn in the new city. A Total breakdown of the cost of living is also provided.

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$81,324	$6,777	$1,897	$2,440
Renters	$46,654	$3,888	$1,089	$1,400

The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Oxnard, CA as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Oxnard, CA homeowners, is $81,324. This would allow for a maximum of $1,897 per month to be spent on housing costs. For renters, the median monthly income is $46,654 which would result in a maximum of $1,089 to be spent on rental costs.

California Sales Tax

State	General Sales Tax	With Max Surtax
California	7.25%	10.5%

California Income Tax

State	Income Tax (Low)	Income Tax (High)
California	1%	13.3%

The California sales tax and California income tax rates should definitely be considered when determining the overall cost of living in Oxnard, CA. Sales taxes are taxes that are imposed onto goods and services sold. Sales taxes do vary by state and can range from no tax at all to upwards of 7%. The California sales tax is 7.25% and the maximum surtax is 10.5%. Income tax is the tax imposed on income by the government. The income tax rates will vary by state and will also increase or decrease depending on the corresponding tax bracket. State income tax rates can range from anywhere from no tax at all to more than 9%. The California income tax rates range from 1% to 13.3%.

Goods & Services

Item	Oxnard	National avg.	Difference
Haircut	$22.40	$17.49	28.1%
Beauty Salon	$68.75	$38.17	80.1%
Toothpaste	$2.49	$2.32	7.3%
Shampoo	$1.32	$1.01	30.4%
Movie	$16.10	$10.72	50.1%
Bowling	$20.33	$13.86	46.7%

Groceries

Item	Oxnard	National avg.	Difference
Ground Beef	$3.32	$3.90	14.9%
Fried Chicken	$1.79	$1.40	28.2%
Milk	$2.19	$1.96	11.6%
Potatoes	$2.99	$3.18	6.1%
Pizza	$10.99	$10.39	5.7%
Beer	$9.66	$9.23	4.7%

Health Care

Item	Oxnard	National avg.	Difference
Optometrist	$126.40	$106.34	18.9%
Doctor	$126.00	$115.25	9.3%
Dentist	$109.40	$98.38	11.2%
Ibuprofen	$12.32	$9.26	33.0%
Lipitor	$483.87	$466.47	3.7%

Housing

Item	Oxnard	National avg.	Difference
Home Price	$362,900.00	$184,700.00	96.5%
Avg. Mortgage Payment	$2,944.66	$1,273.32	131.3%
Apartment Rent	$1,396.00	$949.00	47.1%

Transportation

Item	Oxnard	National avg.	Difference
Gasoline	$3.70	$2.59	42.8%
Tire Balancing	$50.20	$48.90	2.7%

Utilities

Item	Oxnard	National avg.	Difference
All Electricity	$184.11	$167.60	9.8%
Phone	$186.90	$163.42	14.4%

Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, State	Population	Cost of Living Index	National Avg.
Saticoy, CA	1,287	123	23%
Santa Paula, CA	30,283	127	27%
El Rio, CA	7,412	129	29%
Port Hueneme, CA	22,126	130	30%
Oak View, CA	4,472	145	45%
Oxnard, CA	204,752	134	34%

Cities with similar population

City, State	Population	Cost of Living Index	National Avg.
Fontana, CA	205,228	122	22%
Tacoma, WA	205,602	110	10%
Fayetteville, NC	203,670	91	-9%
Moreno Valley, CA	202,061	116	16%
Montgomery, AL	201,717	89	-11%
Oxnard, CA	204,752	134	34%

Source: The Oxnard, CA cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for 2019.

Oxnard, CA Cost of Living