Oxnard, CA Relocation Guide (2026)
Cost of living, housing, and income data for Oxnard, sourced from the US Census Bureau.
Salary needed to live in Oxnard →
Source: US Census Bureau ACS 5-Year (2022). Last updated July 2026.
With a population near 202,279, Oxnard, California sits above the multi-city income median: households earn a typical $90,409 per year (+25% vs. that benchmark).
Home values in Oxnard run a median $587,200, above the benchmark across cities in our dataset (+80%). Renters see a median monthly cost of $1,907. Mortgage rates and property taxes are worth checking before you commit either way.
Oxnard's home-price-to-income ratio of about 6.5× signals a meaningfully stretched housing market relative to local incomes. Home values near Oxnard rose 1.96% in the past year, a pace most would call steady rather than hot. FEMA classifies Oxnard's hazard risk as Relatively High. That elevated rating is a major driver of home insurance premiums in the area.
Personal Affordability Check
Renting at $1,907/mo in Oxnard would take 25.3% of your income.
$353/mo under the 30% guideline.
Buying the median home ($587,200) would take 41.6% of your income toward principal & interest.
$1,025/mo over the 28% guideline.
Cost of housing in Oxnard
Median home value is $587,200 and median gross rent is $1,907/month. For buyers, monthly costs depend heavily on current mortgage rates — worth checking before you commit.
FHFA's county-level home price index for Ventura rose 1.96% over the past year (as of 2025).
HUD's FY 2026 Fair Market Rent for a 2-bedroom unit in the surrounding county is $2,693/month.
Climate & home insurance
FEMA rates Oxnard's overall natural-hazard risk as Relatively High. Risk level is a major driver of home insurance premiums.
Safety
Oxnard reported a violent crime rate of 557.7 per 100,000 residents in 2025, per FBI data.
Moving to Oxnard
Planning a move to Oxnard? Compare licensed movers and get quotes based on your origin and move date.
Frequently asked questions
- What is the cost of living in Oxnard, CA?
- For a quick read on Oxnard: homes carry a median value of $587,200, rent runs a median $1,907 monthly, and household income is a median $90,409, all from the US Census Bureau ACS 5-Year (2022).
- How much do you need to earn to live comfortably in Oxnard?
- Comfortably affording rent in Oxnard — where the median runs $1,907/month — typically means earning about $76,280 a year, per the standard 30%-of-income benchmark. See the full salary breakdown (renting and buying) for Oxnard.
- Is it better to rent or buy in Oxnard?
- Oxnard's median rent of $1,907/month translates to about $76,280 a year needed to rent comfortably, versus roughly $134,348 a year for principal and interest on the $587,200 median home (20% down, 30-year fixed, today's rates). How long you'll stay is usually the deciding factor.
- Is Oxnard safe?
- In 2025, Oxnard reported 557.7 violent crimes per 100,000 residents, according to FBI data.
See the full salary breakdown for Oxnard →
Cities with a similar cost of living
Matched on median rent and household income within 15% of Oxnard's.