Cost of Living: Memphis, TN vs Oxnard, CA (2026)

Memphis

Tennessee
68
VS

Oxnard

California
159

Memphis is 57% cheaper than Oxnard.

$1,123/mo ↓ 43%
Median Rent
$1,962/mo ↑ 75%
$51,211/yr ↓ 45%
Median Income
$93,372/yr ↑ 82%
$157,100 ↓ 75%
Home Value
$617,800 ↑ 293%
$1,087/mo ↓ 45%
Owner Costs
$1,976/mo ↑ 82%
629,063
Population
201,014

Tax Comparison

0%
Income Tax
13.3%
7.0%
State Sales Tax
7.25%
0.64%
Property Tax
0.71%

Affordability

26.3%
rent-to-income
Affordability
25.2%
rent-to-income

Detailed Comparison

When comparing Memphis, TN and Oxnard, CA, the overall cost of living indices are 68 and 159 respectively (national median = 100). Rent is $839/month cheaper in Memphis, saving renters about $10,068/year.

Median household income is $42,161/year higher in Oxnard. Home values also differ significantly — the median in Memphis is $157,100 compared to $617,800 in Oxnard.

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

Frequently Asked Questions

Memphis vs Oxnard — common questions

Is Memphis or Oxnard cheaper to live in?
Based on our cost index, Memphis is cheaper to live in with an index of 68 compared to 159 (US average = 100).
What is the rent difference between Memphis and Oxnard?
Median rent in Memphis is $1,123/month and in Oxnard it's $1,962/month — a difference of $839/month.
Which city has higher income, Memphis or Oxnard?
Median household income is $51,211 in Memphis and $93,372 in Oxnard. Median household income is $42,161/year higher in Oxnard.
How do taxes compare between Tennessee and California?
Tennessee has 0% income tax, 7.0% sales tax, and 0.64% property tax. California has 13.3% income tax, 7.25% sales tax, and 0.71% property tax.
Should I move to Memphis or Oxnard?
It depends on your priorities. Memphis has a cost index of 68 with median rent of $1,123/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 Memphis details → View Oxnard details →

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