| Index | Oxnard | California | National |
| Cost of living | 154 | 141 | 100 |
| Groceries | 113 | 111 | 100 |
| Health care | 116 | 116 | 100 |
| Housing | 237 | 197 | 100 |
| Transportation | 120 | 118 | 100 |
| Utilities | 120 | 119 | 100 |
| Lifestyle & Entertainment | 125 | 120 | 100 |
| Household Items | 110 | 111 | 100 |
| Education & Childcare | 128 | 127 | 100 |
Getting a feel for the cost of living in Oxnard is essential for anyone planning to relocate, as it empowers them to make informed financial decisions, secure a comfortable lifestyle and maintain financial stability in their new environment. The cost of living in Oxnard is 154, which is 54% higher than the national average. Relocating individuals may need to adjust their savings and investment strategies based on the cost of living in the new location. It influences decisions about retirement planning, investments and financial goals.
If you prioritize affordability when seeking a new place to live, Oxnard may not be your ideal choice, as it ranks among the most expensive locations in the entire United States. A very small amount of areas exhibit a cost of living at least 20% higher than the national average, and unfortunately, Oxnard falls into this category, which may not align with your preferences for a budget-friendly living environment.
Housing costs are a major factor in the Oxnard cost of living index, and they often eat up a big chunk of your take-home pay. Unfortunately, in this area, housing expenses for both homeownership and rentals were 136.6% higher than what's typical in an average city. That includes the prices of homes and rents, as well as mortgage rates and insurance.
Groceries are getting more expensive by the day and the cost of groceries makes up 13% of the overall cost of living index. In the past two years, prices have shot up by over 10%! Unfortunately, in Oxnard, it's the same story – grocery costs are 13.2% higher than what people pay across the country.
The most insightful perspective on a city comes from its residents. We recently surveyed 8 locals to gauge their perception of the cost of living in Oxnard. The feedback revealed that 50% of respondents found the cost of living to be reasonable, with prices on the decline, while 50% regarded it as notably expensive with prices that continue to rise.
Is Oxnard affordable? This is a pivotal question, especially when mulling over a move, as affordability carries substantial weight in your decision-making process. Factors such as the cost of living index (discussed earlier), housing expenses and income levels all contribute to a location's affordability. For instance, in Oxnard, the median home price is 163.8% higher than the national average and monthly rent prices are 73.2% higher than the typical rates. Additionally, the median income levels play a role in affordability, with Oxnard boasting a median household income of $115,534, 42.1% higher than the national average.
Groceries: Grocery expenditures have undergone notable escalation over the last 2-3 years. In some markets, the cost of food products has surged by more than 20%, while others have experienced only modest increments. These fluctuations in food costs can have a significant impact on the overall cost of living in any region. In Oxnard, the groceries index registers 13.2% higher than the national average.
Urbanization: Larger, urban centers, known for their wealth of amenities and strong employment prospects, often exhibit an elevated cost of living, primarily attributable to the heightened demand for services and residential relocation. Consequently, this scenario leads to elevated home prices and higher rental rates. In contrast, sparsely populated rural areas or regions characterized by diminished demand typically provide a more limited array of amenities and experience slower job market growth, resulting in a more affordable cost of living.
Transportation: In cities with limited or no public transportation, residents may find it necessary to own and maintain vehicles, thereby elevating the cost of living. Monthly expenditures include fuel, insurance, routine maintenance and potential lease or financing commitments. In Oxnard, the transportation index stands at 19.9% higher than the national average.
The Oxnard cost of living data displayed above uses a U.S. average baseline of 100 to provide a practical way to compare living expenses across cities. Housing estimates incorporate U.S. Census home price and rental data, while all other values are generated using AI-assisted models based on everyday expense expectations, regional pricing trends, climate, transportation patterns, and local economic conditions. These values are designed for directional city-to-city comparisons.
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| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $138,086 | $11,507 | $3,222 | $4,143 |
| Renters | $85,658 | $7,138 | $1,999 | $2,570 |
| State | General Sales Tax | With Max Surtax |
| California | 7.25% | 10.5% |
| State | Income Tax (Low) | Income Tax (High) |
| California | 1% | 13.3% |
| City | Population | Cost of Living Index | National Avg. |
| Saticoy, CA | 1,808 | 142 | 41.7% |
| Santa Paula, CA | 31,101 | 142 | 42.2% |
| Port Hueneme, CA | 22,490 | 148 | 48.3% |
| El Rio, CA | 6,678 | 155 | 55.5% |
| Oak View, CA | 6,791 | 164 | 64.2% |
| Oxnard, CA | 214,920 | 154 | 53.6% |
| City | Population | Cost of Living Index | National Avg. |
| Richmond Hill, ON | 215,407 | n/a | |
| Fayetteville, NC | 215,564 | 96 | 4.4% |
| Moreno Valley, CA | 215,612 | 137 | 37.1% |
| Birmingham, AL | 216,515 | 88 | 12.4% |
| Oakville, ON | 212,353 | n/a | |
| Oxnard, CA | 214,920 | 154 | 53.6% |
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