Oxnard, CA vs St. Louis, MO: Cost of Living

Which city costs less?

St. Louis, MO has a modeled overall cost index 40.4% lower than Oxnard, CA.

Oxnard, CA · modeled 2BR rent
$2,350 / month
St. Louis, MO · modeled 2BR rent
$1,160 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Oxnard, CA and St. Louis, MO using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

$
Numbers update automatically as you type

Estimated savings: $3,158/month in St. Louis, MO

$150,000 in your current city has a modeled equivalent of $112,100 in St. Louis, MO

Regional cost estimates: St. Louis, MO uses St. Louis, MO-IL Metropolitan Area. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 40.4%
Less expensive
Monthly Impact
$3,158
Savings
Annual Impact
$37.9K
Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Oxnard, CA

Population:202K
Cost Index:
146.0
100 = national average
Typical Home:$764K

St. Louis, MO

Population:302K
Cost Index:
87.0
100 = national average
Typical Home:$145K

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Oxnard, CA

The Golden State

202K
Population
State Tax
Yes

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

St. Louis, MO

The Show-Me State

302K
Population
State Tax
Yes

Located in Missouri, this city has a population of 302K residents.

Cost Breakdown by Category

Estimated monthly spending: Oxnard, CA vs St. Louis, MO

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Housing
↓ 64.7%
Oxnard, CA
$3,433
St. Louis, MO
$1,212
Difference
$2,221
less
Transportation
↓ 43.7%
Oxnard, CA
$1,397
St. Louis, MO
$787
Difference
$610
less
Other
↓ 18.6%
Oxnard, CA
$1,279
St. Louis, MO
$1,041
Difference
$238
less
Groceries
↓ 8.7%
Oxnard, CA
$673
St. Louis, MO
$615
Difference
$58.23
less
Healthcare
↓ 4.5%
Oxnard, CA
$357
St. Louis, MO
$341
Difference
$16.05
less
All Utilities
↓ 3.9%
Oxnard, CA
$361
St. Louis, MO
$347
Difference
$14.15
less

🏛️ Local Income Taxes

St. Louis, MO: St. Louis Earnings Tax$1,500/yr (1.0%)

Oxnard, CA has no local income tax recorded in this dataset.

Local taxes are shown separately and are not included in the living-cost totals. Coverage is incomplete; an absent entry does not establish that no tax applies.

🏠Rent Comparison

Studio
From$1,740
To$910
↓ $830
1 Bed
From$1,960
To$950
↓ $1,010
2 Bed
From$2,350
To$1,160
↓ $1,190
3 Bed
From$3,190
To$1,490
↓ $1,700
Oxnard, CAZIP-level data

1BR range: $1,860–$2,380/mo

St. Louis, MOZIP-level data

1BR range: $800–$1,480/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500
Monthly in Oxnard, CA
$4,342
Monthly in St. Louis, MO
$3,158
Difference

Home Values

Oxnard
St. Louis
$764K
Median Value
$145K
↓ -0.6%
YoY Change
↓ -0.8%
↑ +27.4%
5-Year Change
↑ +10.9%
$691K - $883K
Price Range
$38K - $302K

Homes in St. Louis are 81% less expensive than Oxnard

Calculate payment - OxnardCalculate payment - St. Louis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $2.7K
Per year
Monthly Difference
$225
More take-home
Effective Rate Diff
1.8%
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

St. Louis, MO

Federal Income Tax
Effective: 18.9%
$25.5K
Missouri State Tax
Effective: 5.3%
$7.9K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.0%
$44.9K
Take-Home Pay
$8,755/month
$105.1K

Additional Tax Information

Oxnard, CA Tax Rates

Sales Tax:10.5%
Property Tax:0.8%

St. Louis, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

💡 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.

Environment

Oxnard
St. Louis
50 Good
Air Quality
54 Moderate
52.2%
Good Air Days
38%
99 High
Climate Risk
99 High
🔥🌊🫨
Top Hazards
🌊🌡🫨
▲+2.0°F
2050 Outlook
▲+3.0°F
2 days
Heat Days >95°F
39 days
▲+2.0°F
2050 Outlook
▲+3.0°F
2 days
Heat Days >95°F
39 days

Before moving from Oxnard, CA to St. Louis, MO

Use this comparison to shortlist a move, then check the costs that depend on your household.

  1. Compare actual homes. Get current quotes in St. Louis, MO for the same bedroom count and included utilities as your home in Oxnard, CA. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
  3. Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Oxnard to St. Louis moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to St. Louis, MO by cost, housing, population and region.

Frequently Asked Questions: Oxnard, CA vs St. Louis, MO

How do the cost estimates for Oxnard, CA and St. Louis, MO compare?

St. Louis, MO has a modeled overall cost index 40.4% lower than Oxnard, CA. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Oxnard, CA, the model estimates $112,100 in St. Louis, MO. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Oxnard, CA and St. Louis, MO?

The modeled two-bedroom rents are $2,350/month in Oxnard, CA and $1,160/month in St. Louis, MO. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between California and Missouri on TaxTakeHome.com

Where your money goes further

Cities cheaper than Oxnard, CA on a $150.0K salary

1.Indianapolis, IN
Save $3,141/mo
2.Pittsburgh, PA
Save $3,036/mo
3.San Antonio, TX
Save $2,987/mo
4.Columbus, OH
Save $2,957/mo
5.Kansas City, MO
Save $2,955/mo

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