Is St. Louis, MO cheaper than Oxnard, CA?

Based on cost of living data, St. Louis, MO is 40.4% cheaper than Oxnard, CA. This translates to saving $3031 per month.

What salary do I need in St. Louis, MO to live like I do in Oxnard, CA?

If you earn $150,000 in Oxnard, CA, you'd need approximately $113,630.137 in St. Louis, MO to maintain the same standard of living.

How does housing cost compare between Oxnard, CA and St. Louis, MO?

Housing in St. Louis, MO is 64.7% cheaper than in Oxnard, CA. For a two-bedroom apartment, rent is $1,160/month in St. Louis, MO compared to $2,350/month in Oxnard, CA.

How much can I save per month by moving from Oxnard, CA to St. Louis, MO?

Moving from Oxnard, CA to St. Louis, MO could save you approximately $3031 per month, or $36370 per year, based on a $150,000 salary.

Oxnard, CA vs St. Louis, MO: 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 $3.0K/month moving to St. Louis, MO

$150.0K in your current city equals $113.6K in St. Louis, MO

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

Overall Cost

↓ 40.4%

Less expensive

Monthly Impact

$3,031

Savings

Annual Impact

$36.4K

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

St. Louis, MO

Population:302K

Cost Index:60

Median Home:$145K

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

Annual spending: Oxnard, CA vs St. Louis, MO

Category	Oxnard, CA	St. Louis, MO	Difference	Change
🏠Housing	$5,301/mo	$1,871/mo	↓ $3,430less	64.7%
🚗Transportation	$2,158/mo	$1,216/mo	↓ $943less	43.7%
📦Other	$1,975/mo	$1,607/mo	↓ $368less	18.6%
🛒Groceries	$1,039/mo	$949/mo	↓ $89.93less	8.7%
🏥Healthcare	$551/mo	$527/mo	↓ $24.78less	4.5%
⚡All Utilities	$557/mo	$535/mo	↓ $21.86less	3.9%

🏠Housing

↓ 64.7%

Oxnard, CA

$5,301

St. Louis, MO

$1,871

Difference

$3,430

less

🚗Transportation

↓ 43.7%

Oxnard, CA

$2,158

St. Louis, MO

$1,216

Difference

$943

less

📦Other

↓ 18.6%

Oxnard, CA

$1,975

St. Louis, MO

$1,607

Difference

$368

less

🛒Groceries

↓ 8.7%

Oxnard, CA

$1,039

St. Louis, MO

$949

Difference

$89.93

less

🏥Healthcare

↓ 4.5%

Oxnard, CA

$551

St. Louis, MO

$527

Difference

$24.78

less

⚡All Utilities

↓ 3.9%

Oxnard, CA

$557

St. Louis, MO

$535

Difference

$21.86

less

🏛️ Local Income Taxes

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

Oxnard, CA has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠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: 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

$6,705

Monthly in St. Louis, MO

$4,878

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 - Oxnard Calculate 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.