Colorado Springs vs Oxnard
Cost of Living Comparison · 2026
Colorado Springs
Oxnard
The Verdict
Colorado Springs is 31.8% less expensive than Oxnard overall. A household earning $75,000 in Colorado Springs would need approximately $110,000 in Oxnard to maintain the same standard of living.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Colorado Springs has the same purchasing power as $110,000 in Oxnard.
Conversely, $75,000 in Oxnard equals $51,136 in Colorado Springs.
Living in Colorado Springs vs Oxnard
Housing Costs
Colorado Springs's housing index of 115 is lower Oxnard's 253, translating to median home prices of $380,000 vs $653,000. The $273,000 difference in home prices means roughly $17,748 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,500/mo in Colorado Springs compared to $1,925/mo in Oxnard, a monthly difference of $425.
Grocery & Food Costs
Grocery expenses index at 100 in Colorado Springs and 112 in Oxnard. A household spending the national average of $475/month on groceries would pay approximately $475/month in Colorado Springs vs $532/month in Oxnard. Colorado Springs offers a meaningful advantage on everyday food costs, saving roughly $684/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 93 in Colorado Springs and 107 in Oxnard. Monthly utility bills average approximately $372 in Colorado Springs 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 104 in Colorado Springs and 113 in Oxnard. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 9-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $64,712 in Colorado Springs and $96,200 in Oxnard. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $61,630 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 $1,510/month to housing in Colorado Springs vs $2,245/month in Oxnard. In Colorado Springs, median rent of $1,500/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 138 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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