Cost of Living: Irving, TX vs Oceanside, CA (2026)

Irving

Texas
102
VS

Oceanside

California
179

Irving is 43% cheaper than Oceanside.

$1,517/mo ↓ 31%
Median Rent
$2,207/mo ↑ 45%
$79,641/yr ↓ 15%
Median Income
$93,724/yr ↑ 18%
$287,300 ↓ 59%
Home Value
$702,000 ↑ 144%
$1,521/mo ↓ 32%
Owner Costs
$2,232/mo ↑ 47%
255,036
Population
172,542

Tax Comparison

0%
Income Tax
13.3%
6.25%
State Sales Tax
7.25%
1.6%
Property Tax
0.71%

Affordability

22.9%
rent-to-income
Affordability
28.3%
rent-to-income

Detailed Comparison

When comparing Irving, TX and Oceanside, CA, the overall cost of living indices are 102 and 179 respectively (national median = 100). Rent is $690/month cheaper in Irving, saving renters about $8,280/year.

Median household income is $14,083/year higher in Oceanside. Home values also differ significantly — the median in Irving is $287,300 compared to $702,000 in Oceanside.

Texas has no state income tax, giving Irving residents a significant tax advantage over California's 13.3% rate.

Frequently Asked Questions

Irving vs Oceanside — common questions

Is Irving or Oceanside cheaper to live in?
Based on our cost index, Irving is cheaper to live in with an index of 102 compared to 179 (US average = 100).
What is the rent difference between Irving and Oceanside?
Median rent in Irving is $1,517/month and in Oceanside it's $2,207/month — a difference of $690/month.
Which city has higher income, Irving or Oceanside?
Median household income is $79,641 in Irving and $93,724 in Oceanside. Median household income is $14,083/year higher in Oceanside.
How do taxes compare between Texas and California?
Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax. California has 13.3% income tax, 7.25% sales tax, and 0.71% property tax.
Should I move to Irving or Oceanside?
It depends on your priorities. Irving has a cost index of 102 with median rent of $1,517/mo, while Oceanside has a cost index of 179 with rent of $2,207/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Irving details → View Oceanside details →

More Comparisons

Other cost of living comparisons for Irving and Oceanside

Irving vs. Laredo Irving vs. Chesapeake Irving vs. St. Petersburg Irving vs. Winston-Salem Irving vs. Lubbock Irving vs. Glendale Oceanside vs. Rancho Cucamonga Oceanside vs. Clarksville Oceanside vs. Salem Oceanside vs. Garden Grove Oceanside vs. Cary Oceanside vs. Pembroke Pines