Is Santa Rosa, CA cheaper than Oxnard, CA?

Based on cost of living data, Santa Rosa, CA is 6.5% more expensive than Oxnard, CA. This translates to spending an extra $486 per month.

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

If you earn $150,000 in Oxnard, CA, you'd need approximately $155,827.447 in Santa Rosa, CA to maintain the same standard of living.

How does housing cost compare between Oxnard, CA and Santa Rosa, CA?

Housing in Santa Rosa, CA is 30.9% more expensive than in Oxnard, CA. For a two-bedroom apartment, rent is $1,928/month in Santa Rosa, CA compared to $2,350/month in Oxnard, CA.

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

Living in Santa Rosa, CA costs approximately $486 more per month than Oxnard, CA, or $5827 more per year, based on a $150,000 salary.

Oxnard, CA vs Santa Rosa, 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 spend $486/month more in Santa Rosa, CA

$150.0K in your current city equals $155.8K in Santa Rosa, CA

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

Overall Cost

↑ 6.5%

More expensive

Monthly Impact

$486

Extra cost

Annual Impact

$5.8K

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

Santa Rosa, CA

Population:176K

Cost Index:

106

(6% above avg)

Median Home:$713K

Oxnard, CA

The Golden State

202K

Population

State Tax

Yes

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

Santa Rosa, CA

The Golden State

176K

Population

State Tax

Yes

Located in California, this city has a population of 176K residents.

Cost Breakdown by Category

Annual spending: Oxnard, CA vs Santa Rosa, CA

Category	Oxnard, CA	Santa Rosa, CA	Difference	Change
Housing	$5,301/mo	$6,939/mo	↑ $1,638more	30.9%
Other	$1,975/mo	$1,479/mo	↓ $496less	25.1%
Transportation	$2,158/mo	$1,703/mo	↓ $455less	21.1%
All Utilities	$557/mo	$398/mo	↓ $159less	28.6%
Healthcare	$551/mo	$627/mo	↑ $76.01more	13.8%
Groceries	$1,039/mo	$1,030/mo	↓ $9.55less	0.9%

Housing

↑ 30.9%

Oxnard, CA

$5,301

Santa Rosa, CA

$6,939

Difference

$1,638

Other

↓ 25.1%

Oxnard, CA

$1,975

Santa Rosa, CA

$1,479

Difference

$496

less

Transportation

↓ 21.1%

Oxnard, CA

$2,158

Santa Rosa, CA

$1,703

Difference

$455

less

All Utilities

↓ 28.6%

Oxnard, CA

$557

Santa Rosa, CA

$398

Difference

$159

less

Healthcare

↑ 13.8%

Oxnard, CA

$551

Santa Rosa, CA

$627

Difference

$76.01

Groceries

↓ 0.9%

Oxnard, CA

$1,039

Santa Rosa, CA

$1,030

Difference

$9.55

less

🏠Rent Comparison

Studio

From$1,740

To$1,331

↓ $409

1 Bed

From$1,960

To$1,469

↓ $491

2 Bed

From$2,350

To$1,928

↓ $422

3 Bed

From$3,190

To$2,649

↓ $541

Oxnard, CAZIP-level data

1BR range: $1,860–$2,380/mo

Santa Rosa, CAZIP-level data

1BR range: $1,940–$2,470/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

$12,177

Monthly in Santa Rosa, CA

$594

Difference

Home Values

Oxnard

Santa Rosa

$764K

Median Value

$713K

↓ -0.6%

YoY Change

↓ -2.8%

↑ +27.4%

5-Year Change

↑ +12.2%

$691K - $883K

Price Range

$620K - $797K

Homes in Santa Rosa are 7% less expensive than Oxnard

Calculate payment - Oxnard Calculate payment - Santa Rosa

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

Santa Rosa, 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%

Santa Rosa, 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.