Santa Ana, CA vs Oxnard, CA: Cost of Living

Which city costs less?

Oxnard, CA has a modeled overall cost index 15.8% lower than Santa Ana, CA.

Santa Ana, CA · modeled 2BR rent: $2,660 / month
Oxnard, CA · modeled 2BR rent: $2,350 / 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 Santa Ana, CA and Oxnard, CA 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

Current salary in Santa Ana, CA

Numbers update automatically as you type

Estimated savings: $1,200/month in Oxnard, CA

$150,000 in your current city has a modeled equivalent of $135,596 in Oxnard, CA

Regional cost estimates: Santa Ana, CA uses Los Angeles-Long Beach-Anaheim, CA Metropolitan Area. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 15.8%

Less expensive

Monthly Impact

$1,200

Savings

Annual Impact

$14.4K

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.

Santa Ana, CA

Population:310K

Cost Index:

173.3

100 = national average

Typical Home:$833K

Oxnard, CA

Population:202K

Cost Index:

146.0

100 = national average

Typical Home:$764K

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Santa Ana, CA

The Golden State

310K

Population

State Tax

Yes

Located in California, this city has a population of 310K residents.

Oxnard, CA

The Golden State

202K

Population

State Tax

Yes

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

Cost Breakdown by Category

Estimated monthly spending: Santa Ana, CA vs Oxnard, CA

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.

Category	Santa Ana, CA	Oxnard, CA	Difference	Change
Housing	$4,215/mo	$2,883/mo	↓ $1,331less	31.6%
Other	$941/mo	$1,074/mo	↑ $133more	14.1%
Healthcare	$301/mo	$300/mo	↓ $1.35less	0.4%
Groceries	$566/mo	$565/mo	↓ $0.54less	0.1%
Transportation	$1,174/mo	$1,174/mo	→ $0	0.0%
All Utilities	$303/mo	$303/mo	→ $0	0.0%

Housing

↓ 31.6%

Santa Ana, CA

$4,215

Oxnard, CA

$2,883

Difference

$1,331

less

Other

↑ 14.1%

Santa Ana, CA

$941

Oxnard, CA

$1,074

Difference

$133

Healthcare

↓ 0.4%

Santa Ana, CA

$301

Oxnard, CA

$300

Difference

$1.35

less

Groceries

↓ 0.1%

Santa Ana, CA

$566

Oxnard, CA

$565

Difference

$0.54

less

Transportation

→ 0.0%

Santa Ana, CA

$1,174

Oxnard, CA

$1,174

Difference

same

All Utilities

→ 0.0%

Santa Ana, CA

$303

Oxnard, CA

$303

Difference

same

🏠Rent Comparison

Studio

From$2,205

To$1,740

↓ $465

1 Bed

From$2,255

To$1,960

↓ $295

2 Bed

From$2,660

To$2,350

↓ $310

3 Bed

From$3,610

To$3,190

↓ $420

Santa Ana, CAZIP-level data

1BR range: $2,220–$2,410/mo

Oxnard, CAZIP-level data

1BR range: $1,860–$2,380/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 Santa Ana, CA

$6,300

Monthly in Oxnard, CA

$1,200

Difference

Home Values

Santa Ana

Oxnard

$833K

Median Value

$764K

↓ -1%

YoY Change

↓ -0.6%

↑ +36.4%

5-Year Change

↑ +27.4%

$679K - $1.00M

Price Range

$691K - $883K

Homes in Oxnard are 8% less expensive than Santa Ana

Calculate payment - Santa Ana Calculate payment - Oxnard

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

Santa Ana, 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

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

Additional Tax Information

Santa Ana, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

Oxnard, 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.

🚶 Walkability

Modeled road attributes, not a safety assessment. Methodology and limitations

Santa Ana, CA

16/100

0.4% sidewalk tags · 3.4% cycling tags

Oxnard, CA: No data yet

Environment

Santa Ana

Oxnard

54 Moderate

Air Quality

50 Good

32.5%

Good Air Days

52.2%

100 Very High

Climate Risk

99 High

🔥🌊🌅

Top Hazards

🔥🌊🫨

▲+2.6°F

2050 Outlook

▲+2.0°F

12 days

Heat Days >95°F

2 days

▲+2.6°F

2050 Outlook

▲+2.0°F

12 days

Heat Days >95°F

2 days

Before moving from Santa Ana, CA to Oxnard, CA

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

Compare actual homes. Get current quotes in Oxnard, CA for the same bedroom count and included utilities as your home in Santa Ana, CA. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
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.
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.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Santa Ana to Oxnard moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Oxnard, CA by cost, housing, population and region.

Frequently Asked Questions: Santa Ana, CA vs Oxnard, CA

How do the cost estimates for Santa Ana, CA and Oxnard, CA compare?

Oxnard, CA has a modeled overall cost index 15.8% lower than Santa Ana, 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 Santa Ana, CA, the model estimates $135,596 in Oxnard, CA. 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 Santa Ana, CA and Oxnard, CA?

The modeled two-bedroom rents are $2,660/month in Santa Ana, CA and $2,350/month in Oxnard, CA. 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.