Is Oceanside, CA cheaper than Hayward, CA?

Based on cost of living data, Oceanside, CA is 16.5% cheaper than Hayward, CA. This translates to saving $1240 per month.

What salary do I need in Oceanside, CA to live like I do in Hayward, CA?

If you earn $150,000 in Hayward, CA, you'd need approximately $135,123.958 in Oceanside, CA to maintain the same standard of living.

How does housing cost compare between Hayward, CA and Oceanside, CA?

Housing in Oceanside, CA is 27.2% cheaper than in Hayward, CA. For a two-bedroom apartment, rent is $2,535/month in Oceanside, CA compared to $2,455/month in Hayward, CA.

How much can I save per month by moving from Hayward, CA to Oceanside, CA?

Moving from Hayward, CA to Oceanside, CA could save you approximately $1240 per month, or $14876 per year, based on a $150,000 salary.

Hayward, CA vs Oceanside, CA: Cost of Living Comparison 2026

Tap to swap

Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Hayward, CA

Numbers update automatically as you type

You'd save $1.2K/month moving to Oceanside, CA

$150.0K in your current city equals $135.1K in Oceanside, CA

Rent data from HUD ZIP-level estimates · COL index from San Jose-Sunnyvale-Santa Clara, CA area

Overall Cost

↓ 16.5%

Less expensive

Monthly Impact

$1,240

Savings

Annual Impact

$14.9K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Hayward, CA

Population:156K

Cost Index:

100

100 = national average

Median Home:$849K

Oceanside, CA

Population:170K

Cost Index:

(17% below avg)

Median Home:$841K

Hayward, CA

The Golden State

156K

Population

State Tax

Yes

Located in California, this city has a population of 156K residents.

Oceanside, CA

The Golden State

170K

Population

State Tax

Yes

Located in California, this city has a population of 170K residents.

Cost Breakdown by Category

Annual spending: Hayward, CA vs Oceanside, CA

Category	Hayward, CA	Oceanside, CA	Difference	Change
Housing	$6,035/mo	$4,395/mo	↓ $1,640less	27.2%
Transportation	$2,110/mo	$1,469/mo	↓ $641less	30.4%
All Utilities	$443/mo	$613/mo	↑ $170more	38.3%
Groceries	$1,146/mo	$1,043/mo	↓ $103less	8.9%
Healthcare	$698/mo	$617/mo	↓ $81.27less	11.6%
Other	$1,833/mo	$1,768/mo	↓ $64.18less	3.5%

Housing

↓ 27.2%

Hayward, CA

$6,035

Oceanside, CA

$4,395

Difference

$1,640

less

Transportation

↓ 30.4%

Hayward, CA

$2,110

Oceanside, CA

$1,469

Difference

$641

less

All Utilities

↑ 38.3%

Hayward, CA

$443

Oceanside, CA

$613

Difference

$170

Groceries

↓ 8.9%

Hayward, CA

$1,146

Oceanside, CA

$1,043

Difference

$103

less

Healthcare

↓ 11.6%

Hayward, CA

$698

Oceanside, CA

$617

Difference

$81.27

less

Other

↓ 3.5%

Hayward, CA

$1,833

Oceanside, CA

$1,768

Difference

$64.18

less

🏠Rent Comparison

Studio

From$1,807

To$1,931

↑ $124

1 Bed

From$2,011

To$2,074

↑ $63.00

2 Bed

From$2,455

To$2,535

↑ $80.00

3 Bed

From$3,136

To$3,377

↑ $241

Hayward, CAZIP-level data

1BR range: $2,330–$2,580/mo

Oceanside, CAZIP-level data

1BR range: $2,330–$2,870/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$12,264

Monthly in Hayward, CA

$9,905

Monthly in Oceanside, CA

$2,359

Difference

Home Values

Hayward

Oceanside

$849K

Median Value

$841K

↓ -6.4%

YoY Change

↓ -2.1%

↑ +12.7%

5-Year Change

↑ +41.6%

$762K - $1.21M

Price Range

$791K - $1.08M

Homes in Oceanside are 1% less expensive than Hayward

Calculate payment - Hayward Calculate payment - Oceanside

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

Hayward, CA

Federal Income Tax

Effective: 18.9%

$25.5K

California State Tax

Effective: 7.1%

$10.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.8%

$47.6K

Take-Home Pay

$8,530/month

$102.4K

Oceanside, CA

Federal Income Tax

Effective: 18.9%

$25.5K

California State Tax

Effective: 7.1%

$10.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.8%

$47.6K

Take-Home Pay

$8,530/month

$102.4K

Additional Tax Information

Hayward, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

Oceanside, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.