Cost of Living: San Francisco, CA vs Oxnard, CA (2026)

San Francisco

California
267
VS

Oxnard

California
159

San Francisco is 68% more expensive than Oxnard.

$2,419/mo ↑ 23%
Median Rent
$1,962/mo ↓ 19%
$141,446/yr ↑ 51%
Median Income
$93,372/yr ↓ 34%
$1,380,500 ↑ 123%
Home Value
$617,800 ↓ 55%
$2,620/mo ↑ 33%
Owner Costs
$1,976/mo ↓ 25%
836,321
Population
201,014

Tax Comparison

13.3%
Income Tax
13.3%
7.25%
State Sales Tax
7.25%
0.71%
Property Tax
0.71%

Affordability

20.5%
rent-to-income
Affordability
25.2%
rent-to-income

Detailed Comparison

When comparing San Francisco, CA and Oxnard, CA, the overall cost of living indices are 267 and 159 respectively (national median = 100). Rent is $457/month cheaper in Oxnard, saving renters about $5,484/year.

Median household income is $48,074/year higher in San Francisco. Home values also differ significantly — the median in San Francisco is $1,380,500 compared to $617,800 in Oxnard.

Both cities share the same state tax structure since they are in California.

Frequently Asked Questions

San Francisco vs Oxnard — common questions

Is San Francisco or Oxnard cheaper to live in?
Based on our cost index, Oxnard is cheaper to live in with an index of 159 compared to 267 (US average = 100).
What is the rent difference between San Francisco and Oxnard?
Median rent in San Francisco is $2,419/month and in Oxnard it's $1,962/month — a difference of $457/month.
Which city has higher income, San Francisco or Oxnard?
Median household income is $141,446 in San Francisco and $93,372 in Oxnard. Median household income is $48,074/year higher in San Francisco.
How do taxes compare between California and California?
Both cities are in California and share the same state tax rates: 13.3% income tax, 7.25% sales tax, and 0.71% property tax.
Should I move to San Francisco or Oxnard?
It depends on your priorities. San Francisco has a cost index of 267 with median rent of $2,419/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 San Francisco details → View Oxnard details →

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