Cost of Living: Oxnard, CA vs Naperville, IL (2026)

Oxnard

California
159
VS

Naperville

Illinois
147

Oxnard is 8% more expensive than Naperville.

$1,962/mo ↑ 6%
Median Rent
$1,852/mo ↓ 6%
$93,372/yr ↓ 38%
Median Income
$150,937/yr ↑ 62%
$617,800 ↑ 21%
Home Value
$509,900 ↓ 17%
$1,976/mo ↓ 9%
Owner Costs
$2,161/mo ↑ 9%
201,014
Population
149,424

Tax Comparison

13.3%
Income Tax
4.95%
7.25%
State Sales Tax
6.25%
0.71%
Property Tax
2.07%

Affordability

25.2%
rent-to-income
Affordability
14.7%
rent-to-income

Detailed Comparison

When comparing Oxnard, CA and Naperville, IL, the overall cost of living indices are 159 and 147 respectively (national median = 100). Rent is $110/month cheaper in Naperville, saving renters about $1,320/year.

Median household income is $57,565/year higher in Naperville. Home values also differ significantly — the median in Oxnard is $617,800 compared to $509,900 in Naperville.

Illinois has a lower income tax rate, making Naperville slightly more tax-friendly.

Frequently Asked Questions

Oxnard vs Naperville — common questions

Is Oxnard or Naperville cheaper to live in?
Based on our cost index, Naperville is cheaper to live in with an index of 147 compared to 159 (US average = 100).
What is the rent difference between Oxnard and Naperville?
Median rent in Oxnard is $1,962/month and in Naperville it's $1,852/month — a difference of $110/month.
Which city has higher income, Oxnard or Naperville?
Median household income is $93,372 in Oxnard and $150,937 in Naperville. Median household income is $57,565/year higher in Naperville.
How do taxes compare between California and Illinois?
California has 13.3% income tax, 7.25% sales tax, and 0.71% property tax. Illinois has 4.95% income tax, 6.25% sales tax, and 2.07% property tax.
Should I move to Oxnard or Naperville?
It depends on your priorities. Oxnard has a cost index of 159 with median rent of $1,962/mo, while Naperville has a cost index of 147 with rent of $1,852/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Oxnard details → View Naperville details →

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