What salary do you need to live in Oxnard, CA?

Oxnard housing costs at a glance

Census figures put the median gross rent in the Oxnard-Thousand Oaks-Ventura, CA metro at $1,946 for a one-bedroom, $2,249 for a two-bedroom and $2,754 for a three-bedroom. Moving from one to two bedrooms adds $303 a month, and the third bedroom another $505.

The median value of owner-occupied homes in the metro is $822,700. Set against the $109,797 median household income, that is a ratio of 7.5×, which keeps the buying part of the score low for most incomes.

Price levels matter beyond rent. The Bureau of Economic Analysis measures Oxnard's overall prices at 110.5 on a scale where the nation is 100, which makes a $100,000 salary feel like about $90,470 would elsewhere.

Oxnard: the pre-tax income for each grade

With a two-bedroom at the median rent, the score enters Tight at $118,000, Okay at $237,000 and Comfortable at $477,000 a year before tax. At the Comfortable line, a year of rent takes 6% of income and the median home is 1.7× income.

No salary reaches Royal in Oxnard: a fifth of the score reflects local prices rather than income, and with a parity of 110.5 the ceiling is 83 points, below the Royal cutoff of 85.

How they were found: the same scoring function the calculator runs was evaluated at rising incomes until each cutoff was crossed, and the crossing rounded up to a whole $1,000.

What different incomes look like in Oxnard

Choosing a bigger place in Oxnard at $75,000 trims the score from 14 to 9 without leaving Stretched.

None of the four salaries reaches Comfortable for two bedrooms; even $150,000 scores 32, Tight, which fits the $477,000 line above.

How Oxnard ranks among 387 metros

Out of 387 metros, Oxnard has the 9th highest price parity and the 6th highest two-bedroom rent, which puts it in the top 10% on overall prices and in the top 10% on rent.

Next to Oxnard on the national rent ranking: San Diego-Chula Vista-Carlsbad, CA ($2,290) and Los Angeles-Long Beach-Anaheim, CA ($2,210).

Oxnard next to California and similar metros

Statewide, California's median two-bedroom rent is $2,103 and its median home value $734,700. Oxnard's rent is +7% against that, and its home value +12%; the price parity is 110.5 versus 110.7 for the state.

Scored the same way, the statewide figures turn Comfortable at $439,000, so Oxnard needs $38,000 more than California overall.

Within California, the metros closest to Oxnard on rent and overall prices are San Diego-Chula Vista-Carlsbad, CA, Santa Rosa-Petaluma, CA, and Los Angeles-Long Beach-Anaheim, CA. Their Comfortable lines for two bedrooms sit at $506,000, $441,000, and $521,000.

Where the typical Oxnard household lands

A household at the Oxnard median income of $109,797 would see a two-bedroom score of 23 — Stretched — with rent at 25% of income. Put differently, Oxnard's typical household is $367,203 below the $477,000 it takes to read Comfortable on two bedrooms. For California as a whole, the median household income of $99,122 scores 23 against statewide rents. Since a household can have two or more earners, compare it with a combined income rather than one paycheck.

Estimates use pre-tax income and public data; they are not financial advice.