Is Phoenix, AZ cheaper than Oxnard, CA?

Based on cost of living data, Phoenix, AZ is 29.3% cheaper than Oxnard, CA. This translates to saving $2199 per month.

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

If you earn $150,000 in Oxnard, CA, you'd need approximately $123,616.438 in Phoenix, AZ to maintain the same standard of living.

How does housing cost compare between Oxnard, CA and Phoenix, AZ?

Housing in Phoenix, AZ is 47.4% cheaper than in Oxnard, CA. For a two-bedroom apartment, rent is $1,750/month in Phoenix, AZ compared to $2,350/month in Oxnard, CA.

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

Moving from Oxnard, CA to Phoenix, AZ could save you approximately $2199 per month, or $26384 per year, based on a $150,000 salary.

Oxnard, CA vs Phoenix, AZ: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

Current salary in Oxnard, CA

Numbers update automatically as you type

You'd save $2.2K/month moving to Phoenix, AZ

$150.0K in your current city equals $123.6K in Phoenix, AZ

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

Overall Cost

↓ 29.3%

Less expensive

Monthly Impact

$2,199

Savings

Annual Impact

$26.4K

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

Median Home:$764K

Phoenix, AZ

Population:1608K

Cost Index:71

Median Home:$414K

Oxnard, CA

The Golden State

202K

Population

State Tax

Yes

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

Phoenix, AZ

The Grand Canyon State

1.6M

Population

State Tax

Yes

Climate

Hot desert

Notable Facts

•Fastest growing major city
•Desert metropolis
•Spring training capital

Major Industries

TechnologyHealthcareTourismManufacturing

Cost Breakdown by Category

Annual spending: Oxnard, CA vs Phoenix, AZ

Category	Oxnard, CA	Phoenix, AZ	Difference	Change
🏠Housing	$5,301/mo	$2,788/mo	↓ $2,513less	47.4%
🚗Transportation	$2,158/mo	$1,489/mo	↓ $669less	31.0%
📦Other	$1,975/mo	$1,677/mo	↓ $298less	15.1%
🛒Groceries	$1,039/mo	$963/mo	↓ $75.94less	7.3%
🏥Healthcare	$551/mo	$589/mo	↑ $37.17more	6.7%
⚡All Utilities	$557/mo	$561/mo	↑ $3.82more	0.7%

🏠Housing

↓ 47.4%

Oxnard, CA

$5,301

Phoenix, AZ

$2,788

Difference

$2,513

less

🚗Transportation

↓ 31.0%

Oxnard, CA

$2,158

Phoenix, AZ

$1,489

Difference

$669

less

📦Other

↓ 15.1%

Oxnard, CA

$1,975

Phoenix, AZ

$1,677

Difference

$298

less

🛒Groceries

↓ 7.3%

Oxnard, CA

$1,039

Phoenix, AZ

$963

Difference

$75.94

less

🏥Healthcare

↑ 6.7%

Oxnard, CA

$551

Phoenix, AZ

$589

Difference

$37.17

⚡All Utilities

↑ 0.7%

Oxnard, CA

$557

Phoenix, AZ

$561

Difference

$3.82

🏠Rent Comparison

Studio

From$1,740

To$1,390

↓ $350

1 Bed

From$1,960

To$1,510

↓ $450

2 Bed

From$2,350

To$1,750

↓ $600

3 Bed

From$3,190

To$2,330

↓ $860

Oxnard, CAZIP-level data

1BR range: $1,860–$2,380/mo

Phoenix, AZZIP-level data

1BR range: $1,300–$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.

$11,583

Monthly in Oxnard, CA

$8,068

Monthly in Phoenix, AZ

$3,515

Difference

Home Values

Oxnard

Phoenix

$764K

Median Value

$414K

↓ -0.6%

YoY Change

↓ -3.1%

↑ +27.4%

5-Year Change

↑ +30.2%

$691K - $883K

Price Range

$274K - $957K

Homes in Phoenix are 46% less expensive than Oxnard

Calculate payment - Oxnard Calculate payment - Phoenix

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $5.4K

Per year

Monthly Difference

$449

More take-home

Effective Rate Diff

3.6%

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

Phoenix, AZ

Federal Income Tax

Effective: 18.9%

$25.5K

Arizona State Tax

Effective: 3.5%

$5.2K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 28.2%

$42.2K

Take-Home Pay

$8,979/month

$107.8K

Additional Tax Information

Oxnard, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

Phoenix, AZ Tax Rates

Sales Tax:8.5%

Property Tax:0.6%

💡 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.