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

Which city costs less?

Oxnard, CA has a modeled overall cost index 11.9% lower than Santa Rosa, CA.

Santa Rosa, CA · modeled 2BR rent: $2,875 / 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 Rosa, 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 Rosa, CA

Numbers update automatically as you type

Estimated savings: $775/month in Oxnard, CA

$150,000 in your current city has a modeled equivalent of $140,697 in Oxnard, CA

Regional cost estimates: Santa Rosa, CA uses San Francisco, CA. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 11.9%

Less expensive

Monthly Impact

$775

Savings

Annual Impact

$9.3K

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 Rosa, CA

Population:176K

Cost Index:

165.8

100 = national average

Typical Home:$713K

Oxnard, CA

Population:202K

Cost Index:

146.0

100 = national average

Typical Home:$764K

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Santa Rosa, CA

The Golden State

176K

Population

State Tax

Yes

Located in California, this city has a population of 176K 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 Rosa, 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 Rosa, CA	Oxnard, CA	Difference	Change
Housing	$4,297/mo	$3,078/mo	↓ $1,219less	28.4%
Other	$916/mo	$1,147/mo	↑ $231more	25.2%
Transportation	$1,055/mo	$1,253/mo	↑ $198more	18.8%
All Utilities	$239/mo	$324/mo	↑ $84.93more	35.6%
Healthcare	$376/mo	$320/mo	↓ $56.06less	14.9%
Groceries	$617/mo	$603/mo	↓ $14.04less	2.3%

Housing

↓ 28.4%

Santa Rosa, CA

$4,297

Oxnard, CA

$3,078

Difference

$1,219

less

Other

↑ 25.2%

Santa Rosa, CA

$916

Oxnard, CA

$1,147

Difference

$231

Transportation

↑ 18.8%

Santa Rosa, CA

$1,055

Oxnard, CA

$1,253

Difference

$198

All Utilities

↑ 35.6%

Santa Rosa, CA

$239

Oxnard, CA

$324

Difference

$84.93

Healthcare

↓ 14.9%

Santa Rosa, CA

$376

Oxnard, CA

$320

Difference

$56.06

less

Groceries

↓ 2.3%

Santa Rosa, CA

$617

Oxnard, CA

$603

Difference

$14.04

less

🏠Rent Comparison

Studio

From$1,985

To$1,740

↓ $245

1 Bed

From$2,190

To$1,960

↓ $230

2 Bed

From$2,875

To$2,350

↓ $525

3 Bed

From$3,950

To$3,190

↓ $760

Santa Rosa, CAZIP-level data

1BR range: $1,940–$2,470/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 Rosa, CA

$6,725

Monthly in Oxnard, CA

$775

Difference

Home Values

Santa Rosa

Oxnard

$713K

Median Value

$764K

↓ -2.8%

YoY Change

↓ -0.6%

↑ +12.2%

5-Year Change

↑ +27.4%

$620K - $797K

Price Range

$691K - $883K

Homes in Oxnard are 7% more expensive than Santa Rosa

Calculate payment - Santa Rosa 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 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

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 Rosa, 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.

Environment

Santa Rosa

Oxnard

33 Good

Air Quality

50 Good

76%

Good Air Days

52.2%

100 Very High

Climate Risk

99 High

🌊🫨

Top Hazards

🔥🌊🫨

▲+2.0°F

2050 Outlook

▲+2.0°F

1 days

Heat Days >95°F

2 days

▲+2.0°F

2050 Outlook

▲+2.0°F

1 days

Heat Days >95°F

2 days

Before moving from Santa Rosa, 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 Rosa, 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 Rosa 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 Rosa, CA vs Oxnard, CA

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

Oxnard, CA has a modeled overall cost index 11.9% lower than Santa Rosa, 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 Rosa, CA, the model estimates $140,697 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 Rosa, CA and Oxnard, CA?

The modeled two-bedroom rents are $2,875/month in Santa Rosa, 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.