Is Oxnard, CA cheaper than Ontario, CA?

Based on cost of living data, Oxnard, CA is 22.7% more expensive than Ontario, CA. This translates to spending an extra $1702 per month.

What salary do I need in Oxnard, CA to live like I do in Ontario, CA?

If you earn $150,000 in Ontario, CA, you'd need approximately $170,420.168 in Oxnard, CA to maintain the same standard of living.

How does housing cost compare between Ontario, CA and Oxnard, CA?

Housing in Oxnard, CA is 43.7% more expensive than in Ontario, CA. For a two-bedroom apartment, rent is $2,350/month in Oxnard, CA compared to $2,580/month in Ontario, CA.

How much can I save per month by moving from Ontario, CA to Oxnard, CA?

Living in Oxnard, CA costs approximately $1702 more per month than Ontario, CA, or $20420 more per year, based on a $150,000 salary.

Ontario, CA vs Oxnard, CA: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Ontario, CA

Numbers update automatically as you type

You'd spend $1.7K/month more in Oxnard, CA

$150.0K in your current city equals $170.4K in Oxnard, CA

Rent data from HUD ZIP-level estimates · COL index from Riverside-San Bernardino-Ontario, CA area

Overall Cost

↑ 22.7%

More expensive

Monthly Impact

$1,702

Extra cost

Annual Impact

$20.4K

Per year

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

Ontario, CA

Population:182K

Cost Index:

100

100 = national average

Median Home:$672K

Oxnard, CA

Population:202K

Cost Index:

123

(23% above avg)

Median Home:$764K

Ontario, CA

The Golden State

182K

Population

State Tax

Yes

Located in California, this city has a population of 182K residents.

Oxnard, CA

The Golden State

202K

Population

State Tax

Yes

Located in California, this city has a population of 202K residents.

Cost Breakdown by Category

Annual spending: Ontario, CA vs Oxnard, CA

Category	Ontario, CA	Oxnard, CA	Difference	Change
Housing	$3,690/mo	$5,301/mo	↑ $1,611more	43.7%
Other	$1,724/mo	$1,975/mo	↑ $251more	14.6%
Groceries	$1,039/mo	$1,039/mo	→ $0	0.0%
Transportation	$2,158/mo	$2,158/mo	→ $0	0.0%
All Utilities	$557/mo	$557/mo	→ $0	0.0%
Healthcare	$551/mo	$551/mo	→ $0	0.0%

Housing

↑ 43.7%

Ontario, CA

$3,690

Oxnard, CA

$5,301

Difference

$1,611

Other

↑ 14.6%

Ontario, CA

$1,724

Oxnard, CA

$1,975

Difference

$251

Groceries

→ 0.0%

Ontario, CA

$1,039

Oxnard, CA

$1,039

Difference

same

Transportation

→ 0.0%

Ontario, CA

$2,158

Oxnard, CA

$2,158

Difference

same

All Utilities

→ 0.0%

Ontario, CA

$557

Oxnard, CA

$557

Difference

same

Healthcare

→ 0.0%

Ontario, CA

$551

Oxnard, CA

$551

Difference

same

🏠Rent Comparison

Studio

From$1,980

To$1,740

↓ $240

1 Bed

From$2,080

To$1,960

↓ $120

2 Bed

From$2,580

To$2,350

↓ $230

3 Bed

From$3,410

To$3,190

↓ $220

Ontario, CAZIP-level data

1BR range: $1,980–$2,240/mo

Oxnard, CAZIP-level data

1BR range: $1,860–$2,380/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.

$9,721

Monthly in Ontario, CA

$11,583

Monthly in Oxnard, CA

$1,862

Difference

Home Values

Ontario

Oxnard

$672K

Median Value

$764K

↓ -1.9%

YoY Change

↓ -0.6%

↑ +34.4%

5-Year Change

↑ +27.4%

$623K - $683K

Price Range

$691K - $883K

Homes in Oxnard are 14% more expensive than Ontario

Calculate payment - Ontario Calculate payment - Oxnard

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

Ontario, 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

Oxnard, 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

Ontario, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

Oxnard, 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.