Photo: Tori Sloane · CC BY-SA 3.0Even on the area’s higher pay, Oxnard costs more to live in than 92% of U.S. towns
It ranks #388 of 846 in California and #280 of 400 U.S. cities over 100,000 for affordability. Up 1.3% in a year, close to the California typical home.
Census 2020–24 home values, rents, tax bills and cost burden, measured against the median household income of the Oxnard-Thousand Oaks-Ventura, CA metro area ($110K). How TownRatings grades cost of living
The grade measures what housing costs against what households in the area earn. Oxnard’s area earns well above the typical U.S. town ($110K against $74K), but homes, rent and taxes here run higher still. Owners keep up better than renters: 30% of owners pay 30% or more of income for housing (typical U.S. town: 20%), against 57% of renters.
In dollars
- $758Ktypical home, 0% below the California typical homeZillow, September 2026
- $2,450a month for a two-bedroom, utilities includedHUD Fair Market Rent, 2026
In paychecks the grade
- 5.9 yrsof area income buys the typical home; the typical U.S. town: 3.3$110K, Oxnard-area income
- 22%of area income goes to the median rent; the typical U.S. town: 18%Census 2020–24
- 57%of renters pay 30%+ of income for housing; across California: 55%Census 2020–24
- 30%of owners do; the typical U.S. town: 20%Census 2020–24
What Oxnard’s housing numbers say
Most new homes are apartments and condos
Of the 3,734 homes permitted in Oxnard’s past 10 years, 84% were in buildings with two or more homes, not single-family houses. New homes ↓
A median income doesn’t stretch to the towns next door
At Oxnard’s median income, the calculator’s budget of about $385K covers neither the typical home here ($758K) nor in any of the four neighboring towns. The least expensive is Port Hueneme at $622K. Can I afford it? ↓
Written from the data on this page. Home values are the Zillow Home Value Index, through September 2026; sales and supply are Redfin’s for September 2026; permits are Census figures through 2025; incomes, rents paid, taxes and ownership come from the Census American Community Survey.
What’s behind Oxnard’s grade
Measured against what households in the area earn, Oxnard is more affordable than 8% of U.S. towns, #388 of 846 in California. The share of households paying 30%+ for housing pulls the grade down most; property tax holds it up.
Prices here have kept pace with California: up 15.8% in five years, against 13.3% statewide (Zillow).
Up 15.8% in five years
About the same pace as California (13.3%).
Show as a table
| January | Oxnard | California |
|---|---|---|
| 2017 | $472,000 | $451,000 |
| 2018 | $502,000 | $499,000 |
| 2019 | $520,000 | $537,000 |
| 2020 | $536,000 | $548,000 |
| 2021 | $593,000 | $604,000 |
| 2022 | $675,000 | $700,000 |
| 2023 | $692,000 | $723,000 |
| 2024 | $734,000 | $754,000 |
| 2025 | $759,000 | $778,000 |
| 2026 | $752,000 | $763,000 |
| September 2026 | $758,000 | $762,000 |
A typical Oxnard home worth $462K in October 2016 is worth about $758K today.
Zillow Home Value Index: the typical value of all homes (middle third), smoothed and seasonally adjusted, through September 2026.
A seller's market
Supply is tight — about 3.5 months of homes for sale at the current pace. Buyers should expect competition on well-priced homes.
Under ~4 months of supply favors sellers; over ~6 favors buyers.
Redfin Data Center, all residential sales, September 2026.
A typical home costs 5.9 years of area income
The calculator starts from the area income the grade uses. Switch to Oxnard’s own median, or type yours.
That’s $317K short of a typical Oxnard home.
A two-bedroom rents for about $2,450 a month here, $1,960 less than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, Oxnard’s typical property tax (0.69% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.
A two-bedroom rents for about $2,450
Renters already here pay a median of $2,032, so moving in tends to cost more than staying put.
Fair Market Rent a month, utilities included
U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Oxnard-Thousand Oaks-Ventura, CA MSA): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
385 new homes permitted in 2025
Builders were permitted 385 new homes in Oxnard in 2025: 52 single-family houses and 333 in buildings with two or more homes, worth about $75.8 million to build. That's 1.9 per 1,000 residents, slower than across California (2.7). Over the past 10 years, Oxnard has permitted 3,734 homes in all.
Between the 2010 and 2020 censuses, Oxnard gained 4,164 residents while 3,553 new homes were permitted: about 1.2 new residents per new home. Building outpaced population growth, which usually means smaller households or homes used part of the year. Across California: 2.7 new residents per new home.
Every year as a table
| Year | New homes | Single-family | 2+ per building | Value |
|---|---|---|---|---|
| 2026 (Jan–Aug) | 33 | 29 | 4 | $6.4 million |
| 2025 | 385 | 52 | 333 | $75.8 million |
| 2024 | 579 | 63 | 516 | $72.5 million |
| 2023 | 472 | 32 | 440 | $94.1 million |
| 2022 | 157 | 58 | 99 | $38.9 million |
| 2021 | 347 | 52 | 295 | $78.1 million |
| 2020 | 339 | 36 | 303 | $88.7 million |
| 2019 | 140 | 63 | 77 | $42 million |
| 2018 | 115 | 39 | 76 | $34.6 million |
| 2017 | 608 | 108 | 500 | $88.1 million |
| 2016 | 592 | 96 | 496 | $84.5 million |
| 2015 | 532 | 89 | 443 | $76.1 million |
| 2014 | 502 | 71 | 431 | $70.8 million |
| 2013 | 370 | 94 | 276 | $54 million |
| 2012 | 300 | 77 | 223 | $44.1 million |
| 2011 | 214 | 56 | 158 | $31.5 million |
| 2010 | 180 | 61 | 119 | $28.5 million |
| 2009 | 157 | 59 | 98 | $26.3 million |
| 2008 | 393 | 74 | 319 | $56.5 million |
| 2007 | 509 | 205 | 304 | $76.1 million |
| 2006 | 669 | 328 | 341 | $108 million |
| 2005 | 866 | 482 | 384 | $144.6 million |
| 2004 | 530 | 399 | 131 | $111.2 million |
| 2003 | 1,036 | 905 | 131 | $230.6 million |
| 2002 | 777 | 777 | 0 | $186.8 million |
| 2001 | 441 | 439 | 2 | $96.4 million |
| 2000 | 1,032 | 608 | 424 | $168.1 million |
Homes authorized by building permits, counted in the year the permit was issued. U.S. Census Bureau, Building Permits Survey.
Property tax runs below the California norm
The median bill is $4,485 (California: $5,124), 0.69% of a home’s value a year, against 0.70% statewide.
Census American Community Survey 2020–24: the median real-estate tax bill homeowners report, and that bill ÷ the median home value. Bills include town, school and county taxes. The Census reports bills over $10,000 only as “$10,000+”.
Oxnard vs. its neighbors
Of the 3 towns here with a Zillow value, Oxnard has the 2nd-lowest. Channel Islands Beach and El Rio have no Zillow value, so they are in the table only.
Cost next door · one source per column
| Town | Cost | Typical home Zillow, September 2026 | Median value Census 2020–24 | Tax rate bill ÷ value | 2-bed rent HUD 2026 |
|---|---|---|---|---|---|
| Oxnard | D | $758K | $653K | 0.69% | $2,450 |
| Channel Islands Beach | D− | — | $1.1M | 0.58% | $2,850 |
| El Rio | D | — | $638K | 0.57% | $2,610 |
| Port Hueneme | D | $622K | $587K | 0.72% | $2,550 |
| San Buenaventura (Ventura) | D | $886K | $827K | 0.56% | $2,710 |
“—” under Zillow: Zillow publishes no value for that town, so it’s left blank rather than mixed with Census figures.
Questions about the cost of living in Oxnard
Is Oxnard expensive to live in?
Measured against what households in the area earn, Oxnard costs more than 92% of U.S. towns: a D for cost of living, #388 of 846 in California. The typical home costs 5.9 years of the median household income of the Oxnard-Thousand Oaks-Ventura, CA metro area ($110K).
How much does a house cost in Oxnard?
About $758K, Zillow’s typical value for September 2026, up 1.3% in a year. The California typical home is $762K.
What salary do you need to live in Oxnard?
To buy the typical home with 20% down at 6.3%, about $189,000 a year, keeping the payment (about $4,410 a month with tax and insurance) at 28% of income. To rent a two-bedroom at 30% of income, about $98,000.
How much is rent in Oxnard?
HUD puts a two-bedroom at about $2,450 a month with utilities, the going rate for someone moving in. Renters already here pay a median of $2,032 (Census 2020–24).
What are property taxes in Oxnard?
The median bill is $4,485 a year, 0.69% of the median home value (California: $5,124, 0.70%), from the Census 2020–24.
Are home prices in Oxnard going up?
Yes: up 1.3% in the past year and 15.8% in five years, against 13.3% across California (Zillow).
Neighbors talk housing
What Oxnard buyers, sellers and renters are saying.
Home values: Zillow Home Value Index (ZHVI), Zillow Research, September 2026. Sales, days on market and supply: Redfin Data Center, September 2026. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. New homes: U.S. Census Bureau, Building Permits Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. The calculator is an estimate, not a loan offer. Regional price levels: BEA; electricity: EIA. How TownRatings grades cost of living.