Is New York, NY cheaper than Oxnard, CA?

Based on cost of living data, New York, NY is 15.1% more expensive than Oxnard, CA. This translates to spending an extra $1130 per month.

What salary do I need in New York, NY to live like I do in Oxnard, CA?

If you earn $150,000 in Oxnard, CA, you'd need approximately $163,561.644 in New York, NY to maintain the same standard of living.

How does housing cost compare between Oxnard, CA and New York, NY?

Housing in New York, NY is 44.3% more expensive than in Oxnard, CA. For a two-bedroom apartment, rent is $3,590/month in New York, NY compared to $2,350/month in Oxnard, CA.

How much can I save per month by moving from Oxnard, CA to New York, NY?

Living in New York, NY costs approximately $1130 more per month than Oxnard, CA, or $13562 more per year, based on a $150,000 salary.

Oxnard, CA vs New York, NY: 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 Oxnard, CA

Numbers update automatically as you type

You'd spend $1.1K/month more in New York, NY

$150.0K in your current city equals $163.6K in New York, NY

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↑ 15.1%

More expensive

Monthly Impact

$1,130

Extra cost

Annual Impact

$13.6K

Per year

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

Oxnard, CA

Population:202K

Cost Index:

100

100 = national average

Median Home:$764K

New York, NY

Population:8337K

Cost Index:

115

(15% above avg)

Median Home:$1.05M

Oxnard, CA

The Golden State

202K

Population

State Tax

Yes

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

New York, NY

The Empire State

8.3M

Population

State Tax

Yes

Climate

Humid subtropical

Notable Facts

•Most populous city in the US
•Major global financial center
•World-renowned cultural hub

Major Industries

FinanceReal EstateTechnologyMedia

Cost Breakdown by Category

Annual spending: Oxnard, CA vs New York, NY

Category	Oxnard, CA	New York, NY	Difference	Change
Housing	$5,301/mo	$7,648/mo	↑ $2,347more	44.3%
Transportation	$2,158/mo	$1,602/mo	↓ $556less	25.8%
Healthcare	$551/mo	$688/mo	↑ $136more	24.7%
Groceries	$1,039/mo	$1,165/mo	↑ $126more	12.1%
Other	$1,975/mo	$2,034/mo	↑ $58.59more	3.0%
All Utilities	$557/mo	$600/mo	↑ $42.62more	7.6%

Housing

↑ 44.3%

Oxnard, CA

$5,301

New York, NY

$7,648

Difference

$2,347

Transportation

↓ 25.8%

Oxnard, CA

$2,158

New York, NY

$1,602

Difference

$556

less

Healthcare

↑ 24.7%

Oxnard, CA

$551

New York, NY

$688

Difference

$136

Groceries

↑ 12.1%

Oxnard, CA

$1,039

New York, NY

$1,165

Difference

$126

Other

↑ 3.0%

Oxnard, CA

$1,975

New York, NY

$2,034

Difference

$58.59

All Utilities

↑ 7.6%

Oxnard, CA

$557

New York, NY

$600

Difference

$42.62

🏛️ Local Income Taxes

New York, NY: NYC Income Tax$5,689/yr (3.8%)

Oxnard, CA has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio

From$1,740

To$3,120

↑ $1,380

1 Bed

From$1,960

To$3,270

↑ $1,310

2 Bed

From$2,350

To$3,590

↑ $1,240

3 Bed

From$3,190

To$4,500

↑ $1,310

Oxnard, CAZIP-level data

1BR range: $1,860–$2,380/mo

New York, NYZIP-level data

1BR range: $2,260–$3,990/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.

$11,583

Monthly in Oxnard, CA

$13,737

Monthly in New York, NY

$2,154

Difference

Home Values

Oxnard

New York

$764K

Median Value

$1.05M

↓ -0.6%

YoY Change

↓ -0.1%

↑ +27.4%

5-Year Change

↓ -5.9%

$691K - $883K

Price Range

$471K - $3.49M

Homes in New York are 38% more expensive than Oxnard

Calculate payment - Oxnard Calculate payment - New York

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $1.1K

Per year

Monthly Difference

$90.26

More take-home

Effective Rate Diff

0.7%

Rate difference

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

New York, NY

Federal Income Tax

Effective: 18.9%

$25.5K

New York State Tax

Effective: 6.4%

$9.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.0%

$46.6K

Take-Home Pay

$8,620/month

$103.4K

Additional Tax Information

Oxnard, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

New York, NY Tax Rates

Sales Tax:8.8%

Property Tax:1.2%

💡 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.