Is Rancho Cucamonga, CA cheaper than Oxnard, CA?

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

What salary do I need in Rancho Cucamonga, 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 Rancho Cucamonga, CA to maintain the same standard of living.

How does housing cost compare between Oxnard, CA and Rancho Cucamonga, CA?

Housing in Rancho Cucamonga, CA is 30.4% cheaper than in Oxnard, CA. For a two-bedroom apartment, rent is $3,220/month in Rancho Cucamonga, CA compared to $2,350/month in Oxnard, CA.

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

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

Oxnard, CA vs Rancho Cucamonga, 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 Oxnard, CA

Numbers update automatically as you type

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

$150.0K in your current city equals $133.4K in Rancho Cucamonga, 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

Rancho Cucamonga, CA

Population:174K

Cost Index:

(18% below avg)

Median Home:$669K

Oxnard, CA

The Golden State

202K

Population

State Tax

Yes

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

Rancho Cucamonga, CA

The Golden State

174K

Population

State Tax

Yes

Located in California, this city has a population of 174K residents.

Cost Breakdown by Category

Annual spending: Oxnard, CA vs Rancho Cucamonga, CA

Category	Oxnard, CA	Rancho Cucamonga, 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

Rancho Cucamonga, CA

$3,690

Difference

$1,611

less

Other

↓ 12.7%

Oxnard, CA

$1,975

Rancho Cucamonga, CA

$1,724

Difference

$251

less

Groceries

→ 0.0%

Oxnard, CA

$1,039

Rancho Cucamonga, CA

$1,039

Difference

same

Transportation

→ 0.0%

Oxnard, CA

$2,158

Rancho Cucamonga, CA

$2,158

Difference

same

All Utilities

→ 0.0%

Oxnard, CA

$557

Rancho Cucamonga, CA

$557

Difference

same

Healthcare

→ 0.0%

Oxnard, CA

$551

Rancho Cucamonga, CA

$551

Difference

same

🏠Rent Comparison

Studio

From$1,740

To$2,480

↑ $740

1 Bed

From$1,960

To$2,600

↑ $640

2 Bed

From$2,350

To$3,220

↑ $870

3 Bed

From$3,190

To$4,260

↑ $1,070

Oxnard, CAZIP-level data

1BR range: $1,860–$2,380/mo

Rancho Cucamonga, CAZIP-level data

1BR range: $2,600–$2,600/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 Rancho Cucamonga, CA

$1,862

Difference

Home Values

Oxnard

Rancho Cucamonga

$764K

Median Value

$669K

↓ -0.6%

YoY Change

↓ -1.4%

↑ +27.4%

5-Year Change

↑ +35%

$691K - $883K

Price Range

$669K

Homes in Rancho Cucamonga are 12% less expensive than Oxnard

Calculate payment - Oxnard Calculate payment - Rancho Cucamonga

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

Rancho Cucamonga, 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%

Rancho Cucamonga, 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.