Mortgage Affordability Calculator for Oxnard, CA
Updated 2026 · Local data pre-filled
In Oxnard, the median household income is $80,200 per year, while the median home costs $720,000. The price-to-income ratio is 9.0x — a stretch in this competitive market. Use this calculator to determine what you can comfortably afford based on your income.
✓ Calculator below is pre-filled with Oxnard local data
How Oxnard Compares to the National Average
Understanding how Oxnard stacks up helps you calibrate your financial planning.
| Metric | Oxnard, CA | US Average | Difference |
|---|---|---|---|
| Median Home Price | $720,000 | $420,800 | +71.1% |
| Median Monthly Rent | $2,200 | $1,713 | +28.4% |
| Median Household Income | $80,200 | $74,580 | +7.5% |
| Property Tax Rate | 0.72% | 1.10% | -34.5% |
| Cost of Living Index | 148 | 100 | +48.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Oxnard Financial Snapshot
- Population (Metro)
- 840,000
- Unemployment
- 4.6%
- Avg Commute
- 28 min
- Median Age
- 34.7
- Price-to-Rent Ratio
- 27.3x
- Annual Property Tax
- $5,184
Mortgage Affordability Calculator in Other California Cities
Frequently Asked Questions — Oxnard
What is the median home price in Oxnard, CA?
The median home price in Oxnard is $720,000 as of 2025–2026. This is above the national median of $420,800.
What is the average rent in Oxnard?
Median monthly rent in Oxnard is $2,200. That works out to $26,400/year, or 33% of the median household income — above the recommended 30% threshold.
Is Oxnard affordable?
Oxnard's cost of living index is 148 vs. the national average of 100. With a median household income of $80,200/year and a median home price of $720,000, the price-to-income ratio is 9.0x. This makes homeownership a significant stretch for the typical Oxnard household.
What is the property tax rate in Oxnard?
The effective property tax rate in Oxnard is 0.72% of assessed value. On the median home of $720,000, that's roughly $5,184/year ($432/month).