Billings vs Oxnard
Cost of Living Comparison · 2026
Billings
Oxnard
The Verdict
Living in Billings costs 36.4% less than Oxnard. To match the purchasing power of a $75,000 salary in Billings, you would need $117,857 in Oxnard.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Billings has the same purchasing power as $117,857 in Oxnard.
Conversely, $75,000 in Oxnard equals $47,727 in Billings.
Living in Billings vs Oxnard
Housing Costs
Billings's housing index of 93 is lower Oxnard's 253, translating to median home prices of $310,000 vs $653,000. The $343,000 difference in home prices means roughly $22,296 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,200/mo in Billings compared to $1,925/mo in Oxnard, a monthly difference of $725.
Grocery & Food Costs
Grocery expenses index at 99 in Billings and 112 in Oxnard. A household spending the national average of $475/month on groceries would pay approximately $470/month in Billings vs $532/month in Oxnard. Billings offers a meaningful advantage on everyday food costs, saving roughly $744/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 89 in Billings and 107 in Oxnard. Monthly utility bills average approximately $356 in Billings vs $428 in Oxnard. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.
Healthcare
Healthcare costs index at 102 in Billings and 113 in Oxnard. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 11-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $55,438 in Billings and $96,200 in Oxnard. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $56,569 and $62,468 respectively. Oxnard residents come out ahead in real purchasing power.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,294/month to housing in Billings vs $2,245/month in Oxnard. In Billings, median rent of $1,200/mo fits within this budget. In Oxnard, median rent of $1,925/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 160 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
As an Amazon Associate we earn from qualifying purchases