Is San Diego, CA cheaper than Oxnard, CA?

Based on cost of living data, San Diego, CA is 1.4% cheaper than Oxnard, CA. This translates to saving $103 per month.

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

If you earn $150,000 in Oxnard, CA, you'd need approximately $148,767.123 in San Diego, CA to maintain the same standard of living.

How does housing cost compare between Oxnard, CA and San Diego, CA?

Housing in San Diego, CA is 1.5% cheaper than in Oxnard, CA. For a two-bedroom apartment, rent is $3,360/month in San Diego, CA compared to $2,350/month in Oxnard, CA.

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

Moving from Oxnard, CA to San Diego, CA could save you approximately $103 per month, or $1233 per year, based on a $150,000 salary.

Oxnard, CA vs San Diego, 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 $103/month moving to San Diego, CA

$150.0K in your current city equals $148.8K in San Diego, CA

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

Overall Cost

↓ 1.4%

Less expensive

Monthly Impact

$103

Savings

Annual Impact

$1.2K

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

San Diego, CA

Population:1387K

Cost Index:

(1% below avg)

Median Home:$980K

Oxnard, CA

The Golden State

202K

Population

State Tax

Yes

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

San Diego, CA

The Golden State

1.4M

Population

State Tax

Yes

Climate

Semi-arid Mediterranean

Notable Facts

•Year-round perfect weather
•Major military presence
•Biotech hub

Major Industries

MilitaryTechnologyTourismBiotechnology

Cost Breakdown by Category

Annual spending: Oxnard, CA vs San Diego, CA

Category	Oxnard, CA	San Diego, CA	Difference	Change
Transportation	$2,158/mo	$1,571/mo	↓ $587less	27.2%
Healthcare	$551/mo	$638/mo	↑ $86.74more	15.7%
Other	$1,975/mo	$1,892/mo	↓ $83.70less	4.2%
Housing	$5,301/mo	$5,223/mo	↓ $77.96less	1.5%
All Utilities	$557/mo	$634/mo	↑ $76.50more	13.7%
Groceries	$1,039/mo	$1,079/mo	↑ $39.97more	3.8%

Transportation

↓ 27.2%

Oxnard, CA

$2,158

San Diego, CA

$1,571

Difference

$587

less

Healthcare

↑ 15.7%

Oxnard, CA

$551

San Diego, CA

$638

Difference

$86.74

Other

↓ 4.2%

Oxnard, CA

$1,975

San Diego, CA

$1,892

Difference

$83.70

less

Housing

↓ 1.5%

Oxnard, CA

$5,301

San Diego, CA

$5,223

Difference

$77.96

less

All Utilities

↑ 13.7%

Oxnard, CA

$557

San Diego, CA

$634

Difference

$76.50

Groceries

↑ 3.8%

Oxnard, CA

$1,039

San Diego, CA

$1,079

Difference

$39.97

🏠Rent Comparison

Studio

From$1,740

To$2,565

↑ $825

1 Bed

From$1,960

To$2,755

↑ $795

2 Bed

From$2,350

To$3,360

↑ $1,010

3 Bed

From$3,190

To$4,475

↑ $1,285

Oxnard, CAZIP-level data

1BR range: $1,860–$2,380/mo

San Diego, CAZIP-level data

1BR range: $1,980–$3,690/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

$11,037

Monthly in San Diego, CA

$546

Difference

Home Values

Oxnard

San Diego

$764K

Median Value

$980K

↓ -0.6%

YoY Change

↓ -3%

↑ +27.4%

5-Year Change

↑ +37.4%

$691K - $883K

Price Range

$598K - $2.01M

Homes in San Diego are 28% more expensive than Oxnard

Calculate payment - Oxnard Calculate payment - San Diego

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

San Diego, 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%

San Diego, 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.