Cost of Living: McKinney, TX vs Oxnard, CA (2026)

McKinney

Texas
138
VS

Oxnard

California
159

McKinney is 21% cheaper than Oxnard.

$1,841/mo ↓ 6%
Median Rent
$1,962/mo ↑ 7%
$120,273/yr ↑ 29%
Median Income
$93,372/yr ↓ 22%
$439,500 ↓ 29%
Home Value
$617,800 ↑ 41%
$2,101/mo ↑ 6%
Owner Costs
$1,976/mo ↓ 6%
202,314
Population
201,014

Tax Comparison

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

Affordability

18.4%
rent-to-income
Affordability
25.2%
rent-to-income

Detailed Comparison

When comparing McKinney, TX and Oxnard, CA, the overall cost of living indices are 138 and 159 respectively (national median = 100). Rent is $121/month cheaper in McKinney, saving renters about $1,452/year.

Median household income is $26,901/year higher in McKinney. Home values also differ significantly — the median in McKinney is $439,500 compared to $617,800 in Oxnard.

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

Frequently Asked Questions

McKinney vs Oxnard — common questions

Is McKinney or Oxnard cheaper to live in?
Based on our cost index, McKinney is cheaper to live in with an index of 138 compared to 159 (US average = 100).
What is the rent difference between McKinney and Oxnard?
Median rent in McKinney is $1,841/month and in Oxnard it's $1,962/month — a difference of $121/month.
Which city has higher income, McKinney or Oxnard?
Median household income is $120,273 in McKinney and $93,372 in Oxnard. Median household income is $26,901/year higher in McKinney.
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 McKinney or Oxnard?
It depends on your priorities. McKinney has a cost index of 138 with median rent of $1,841/mo, while Oxnard has a cost index of 159 with rent of $1,962/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View McKinney details → View Oxnard details →