Irving vs Oxnard
Cost of Living Comparison · 2026
Irving
Oxnard
The Verdict
The cost gap between these cities is 35.1%, with Irving being the more affordable option. A $75,000 income in Irving has equivalent purchasing power to $115,500 in Oxnard.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Irving has the same purchasing power as $115,500 in Oxnard.
Conversely, $75,000 in Oxnard equals $48,701 in Irving.
Living in Irving vs Oxnard
Housing Costs
Irving's housing index of 94 is lower Oxnard's 253, translating to median home prices of $318,000 vs $653,000. The $335,000 difference in home prices means roughly $21,780 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,350/mo in Irving compared to $1,925/mo in Oxnard, a monthly difference of $575.
Grocery & Food Costs
Grocery expenses index at 99 in Irving and 112 in Oxnard. A household spending the national average of $475/month on groceries would pay approximately $470/month in Irving vs $532/month in Oxnard. Irving offers a meaningful advantage on everyday food costs, saving roughly $744/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 111 in Irving and 107 in Oxnard. Monthly utility bills average approximately $444 in Irving vs $428 in Oxnard. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 103 in Irving and 113 in Oxnard. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 10-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $73,400 in Irving and $96,200 in Oxnard. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $73,400 and $62,468 respectively. Irving residents enjoy stronger real purchasing power despite lower nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,713/month to housing in Irving vs $2,245/month in Oxnard. In Irving, median rent of $1,350/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 159 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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