Is Ontario, CA cheaper than Oxnard, CA?

Based on cost of living data, Ontario, CA is 18.5% cheaper than Oxnard, CA. This translates to saving $1387 per month.

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

If you earn $150,000 in Oxnard, CA, you'd need approximately $133,356.164 in Ontario, CA to maintain the same standard of living.

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

Housing in Ontario, CA is 30.4% cheaper than in Oxnard, CA. For a two-bedroom apartment, rent is $2,580/month in Ontario, CA compared to $2,350/month in Oxnard, CA.

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

Moving from Oxnard, CA to Ontario, CA could save you approximately $1387 per month, or $16644 per year, based on a $150,000 salary.

Oxnard, CA vs Ontario, 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 Oxnard, CA

Numbers update automatically as you type

You'd save $1.4K/month moving to Ontario, CA

$150.0K in your current city equals $133.4K in Ontario, CA

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

Overall Cost

↓ 18.5%

Less expensive

Monthly Impact

$1,387

Savings

Annual Impact

$16.6K

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

Ontario, CA

Population:182K

Cost Index:

(18% below avg)

Median Home:$672K

Oxnard, CA

The Golden State

202K

Population

State Tax

Yes

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

Ontario, CA

The Golden State

182K

Population

State Tax

Yes

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

Cost Breakdown by Category

Annual spending: Oxnard, CA vs Ontario, CA

Category	Oxnard, CA	Ontario, CA	Difference	Change
Housing	$5,301/mo	$3,690/mo	↓ $1,611less	30.4%
Other	$1,975/mo	$1,724/mo	↓ $251less	12.7%
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

↓ 30.4%

Oxnard, CA

$5,301

Ontario, CA

$3,690

Difference

$1,611

less

Other

↓ 12.7%

Oxnard, CA

$1,975

Ontario, CA

$1,724

Difference

$251

less

Groceries

→ 0.0%

Oxnard, CA

$1,039

Ontario, CA

$1,039

Difference

same

Transportation

→ 0.0%

Oxnard, CA

$2,158

Ontario, CA

$2,158

Difference

same

All Utilities

→ 0.0%

Oxnard, CA

$557

Ontario, CA

$557

Difference

same

Healthcare

→ 0.0%

Oxnard, CA

$551

Ontario, CA

$551

Difference

same

🏠Rent Comparison

Studio

From$1,740

To$1,980

↑ $240

1 Bed

From$1,960

To$2,080

↑ $120

2 Bed

From$2,350

To$2,580

↑ $230

3 Bed

From$3,190

To$3,410

↑ $220

Oxnard, CAZIP-level data

1BR range: $1,860–$2,380/mo

Ontario, CAZIP-level data

1BR range: $1,980–$2,240/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

$9,721

Monthly in Ontario, CA

$1,862

Difference

Home Values

Oxnard

Ontario

$764K

Median Value

$672K

↓ -0.6%

YoY Change

↓ -1.9%

↑ +27.4%

5-Year Change

↑ +34.4%

$691K - $883K

Price Range

$623K - $683K

Homes in Ontario are 12% less expensive than Oxnard

Calculate payment - Oxnard Calculate payment - Ontario

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

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

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

Additional Tax Information

Oxnard, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

Ontario, 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.