Wondering how far your dollar stretches in Oxnard compared to Riverside? Below we break down housing costs, rent, taxes, income, and quality of life using 2026 data so you can make an informed relocation or remote-work decision. Every number is computed from Census, BLS, and Zillow data specific to these two metro areas.
| Oxnard | Metric | Riverside | Difference |
|---|---|---|---|
| 148 | Cost of Living Index | 122 | -17.6% |
| $720,000 | Median Home Price | $560,000 | -22.2% |
| $2,200 | Median Monthly Rent | $1,750 | -20.5% |
| $80,200 | Median Household Income | $75,800 | -5.5% |
| 0.7% | Property Tax Rate | 0.8% | +4.2% |
| 4.6% | Unemployment Rate | 5.3% | +15.2% |
| 28 min | Average Commute | 32 min | +14.3% |
| 34.7 | Median Age | 33.9 | -2.3% |
| 840,000 | Metro Population | 4,650,000 | +453.6% |
Data sourced from Census Bureau, BLS, Zillow, and ApartmentAdvisor (2024-2025). COL Index: 100 = national average.
Monthly mortgage assumes 6.5% interest, 30-year fixed, 20.0%down payment. PITI includes principal, interest, property tax, and homeowner's insurance.
Buying a home in Oxnard costs $4,283/month (PITI) compared to $3,345/month in Riverside — a difference of $938/month or $11,256/year. The price-to-income ratio is 9.0x in Oxnard versus 7.4x in Riverside, suggesting Riverside is relatively more affordable for homebuyers relative to local incomes. At a 15% savings rate, it takes 12.0 years to save a down payment in Oxnard compared to 9.9 years in Riverside.
Estimated on each city's median household income, single filer, standard deduction, 2025 rates.
| Tax Category | Oxnard | Riverside |
|---|---|---|
| Gross Income | $80,200 | $75,800 |
| State Income Tax | $3,486 | $3,081 |
| Federal Income Tax | $9,093 | $8,125 |
| FICA (SS + Medicare) | $6,135 | $5,799 |
| Property Tax (on median home) | $5,184/yr | $4,200/yr |
| State Sales Tax Rate | 7.2% | 7.2% |
| Total Tax Burden | $18,714 (23.3%) | $17,005 (22.4%) |
| Take-Home Pay | $61,486 | $58,795 |
On median household income, total taxes (federal + state + FICA) come to $18,714 in Oxnard (23.3% effective) versus $17,005 in Riverside (22.4% effective). After taxes, take-home pay is $61,486 in Oxnard and $58,795 in Riverside. Property taxes add $5,184/year on the median Oxnard home versus $4,200/year in Riverside.
These figures adjust for cost of living using the formula: adjusted = salary × (COL_destination / COL_origin). If you earn $80,200 in Oxnard (COL 148) and relocate to Riverside (COL 122), you would need $66,111 to maintain the same purchasing power. This means you can take a pay cut of $14,089 and still maintain your lifestyle in Riverside.
Beyond costs, quality of life matters. The average commute in Oxnard is 28 minutes versus 32 minutes in Riverside, a difference of 4 minutes each way. Oxnard's lower unemployment rate of 4.6% versus 5.3% suggests a stronger job market. Oxnard skews slightly older with a median age of 34.7 vs 33.9 in Riverside.
Oxnard is 17.6% more expensive than Riverside overall. Oxnard has a cost of living index of 148 compared to 122 for Riverside (national average = 100). The biggest difference is housing: the median home costs $720,000 in Oxnard vs $560,000 in Riverside.
The median home price in Oxnard is $720,000, which is $160,000 more than Riverside's median of $560,000. Monthly rent follows a similar pattern: $2,200/month in Oxnard vs $1,750/month in Riverside, a difference of $450/month or $5,400/year.
To maintain the same standard of living, a $80,200 salary in Oxnard is equivalent to $66,111 in Riverside. This is based on the cost of living index ratio: Oxnard's COL index of 148 vs Riverside's 122. Conversely, $75,800 in Riverside equals $91,954 in Oxnard.
On a median household income, the combined federal, state, and FICA tax burden is $18,714 (23.3% effective rate) in Oxnard vs $17,005 (22.4% effective rate) in Riverside. Property taxes on the median home are $5,184/year in Oxnard (0.7% rate) vs $4,200/year in Riverside (0.8% rate). Sales tax rates are 7.2% in California and 7.2% in California.
Oxnard median household income: $80,200/yr. Riverside median household income: $75,800/yr (Census ACS).
Median monthly rent: $2,200 in Oxnard vs $1,750 in Riverside. Annualized that is $26,400 vs $21,000.
Riverside offers a lower cost of living (index 122 vs 148), which lets remote-workers keeping a coastal salary stretch further. Oxnard typically wins on amenities and labor-market depth.
Oxnard and Riverside numbers are pulled from Zillow ZHVI/ZORI (home values, rent), the U.S. Census Bureau ACS (income, demographics), and BEA RPP (cost-of-living index). Each value is timestamped on the page.
Source feeds (Zillow, Freddie Mac PMMS, Census ACS, BEA RPP) are refreshed on their native cadence. Page caches revalidate every 24 hours via Next.js ISR.
No. The Oxnard vs Riverside cost-of-living page is educational reference using public data and standard formulas. It is not personalized tax, legal, or investment advice. Consult a licensed professional for material decisions.
Home prices use Zillow Home Value Index (ZHVI)[1]; rents use Zillow Observed Rent Index (ZORI)[1]. Median household income comes from the Census ACS 5-year estimates[2].
COL indices use the BEA Regional Price Parity methodology[3], normalized so 100 = national average.
Property tax rates are effective rates from the Tax Foundation[4], expressed as % of owner-occupied home value. Mortgage estimates assume 6.5% fixed rate[5], 30-year term, 20.0% down, $1,800/yr homeowners insurance.
Federal tax calculations[6] assume single filer, standard deduction. State tax uses the top marginal rate times taxable income after the state standard deduction. FICA = 6.2% Social Security (up to wage base) + 1.45% Medicare.
Salary equivalence uses adjusted = salary × (COL_destination / COL_origin). This captures cost-of-living shift but not state income tax differences.
Unemployment figures are the most recent monthly MSA-level readings from the BLS LAUS series[7].
Last reviewed is computed from the maximum retrievedAt across every source this page consumes.
City data from Census Bureau[2], BLS[7], and Zillow[1] (2024-2025). Tax calculations use 2025 IRS rates[6], single filer, standard deduction. Mortgage estimates assume 6.5% PMMS rate[5], 30-year term, 20.0% down. COL Index: 100 = national average[3]. Last reviewed .