Thousand Oaks, CA Relocation Guide (2026)
Cost of living, housing, and income data for Thousand Oaks, sourced from the US Census Bureau.
Salary needed to live in Thousand Oaks →
Source: US Census Bureau ACS 5-Year (2022). Last updated July 2026.
Roughly 126,532 people call Thousand Oaks, California home. Household income runs $125,399 at the median, above what we see across the broader set of cities (+74%).
Housing costs are a defining factor for anyone relocating to Thousand Oaks. The median home value sits at $900,600 (above the multi-city median at +176%), while renters pay a median of $2,483 per month. Buyers should weigh current mortgage rates and local property taxes against these figures before committing.
Thousand Oaks's home-price-to-income ratio of about 7.2× signals a meaningfully stretched housing market relative to local incomes. Year-over-year, home values around Thousand Oaks are up 1.96%, a pace in line with a healthy, unremarkable market. FEMA classifies Thousand Oaks'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 $2,483/mo in Thousand Oaks would take 23.8% of your income.
$652/mo under the 30% guideline.
Buying the median home ($900,600) would take 46.0% of your income toward principal & interest.
$1,882/mo over the 28% guideline.
Cost of housing in Thousand Oaks
Median home value is $900,600 and median gross rent is $2,483/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 Thousand Oaks's overall natural-hazard risk as Relatively High. Risk level is a major driver of home insurance premiums.
Safety
Thousand Oaks reported a violent crime rate of 127 per 100,000 residents in 2025, per FBI data.
Moving to Thousand Oaks
Planning a move to Thousand Oaks? Compare licensed movers and get quotes based on your origin and move date.
Frequently asked questions
- What is the cost of living in Thousand Oaks, CA?
- In Thousand Oaks, the median home value is $900,600 and median rent is $2,483 per month, against a median household income of $125,399. These figures come from the US Census Bureau ACS 5-Year (2022).
- How much do you need to earn to live comfortably in Thousand Oaks?
- Thousand Oaks's median rent of $2,483/month works out to roughly $99,320 in annual income needed, if you're budgeting the standard 30% of gross pay toward rent. See the full salary breakdown (renting and buying) for Thousand Oaks.
- Is it better to rent or buy in Thousand Oaks?
- Thousand Oaks's median rent of $2,483/month translates to about $99,320 a year needed to rent comfortably, versus roughly $206,053 a year for principal and interest on the $900,600 median home (20% down, 30-year fixed, today's rates). How long you'll stay is usually the deciding factor.
- Is Thousand Oaks safe?
- Thousand Oaks's violent crime rate, per FBI reporting for 2025, stands at 127 per 100,000 residents.
See the full salary breakdown for Thousand Oaks →
Cities with a similar cost of living
Matched on median rent and household income within 15% of Thousand Oaks's.