Nampa vs Oxnard
Cost of Living Comparison · 2026
Nampa
Oxnard
The Verdict
Living in Nampa costs 31.8% less than Oxnard. To match the purchasing power of a $75,000 salary in Nampa, you would need $110,000 in Oxnard.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Nampa has the same purchasing power as $110,000 in Oxnard.
Conversely, $75,000 in Oxnard equals $51,136 in Nampa.
Living in Nampa vs Oxnard
Housing Costs
Nampa's housing index of 104 is lower Oxnard's 253, translating to median home prices of $371,000 vs $653,000. The $282,000 difference in home prices means roughly $18,336 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,500/mo in Nampa compared to $1,925/mo in Oxnard, a monthly difference of $425.
Grocery & Food Costs
Grocery expenses index at 105 in Nampa and 112 in Oxnard. A household spending the national average of $475/month on groceries would pay approximately $499/month in Nampa vs $532/month in Oxnard. Nampa offers a meaningful advantage on everyday food costs, saving roughly $396/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 83 in Nampa and 107 in Oxnard. Monthly utility bills average approximately $332 in Nampa 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 Nampa 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 $74,300 in Nampa and $96,200 in Oxnard. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $70,762 and $62,468 respectively. Nampa residents enjoy stronger real purchasing power despite lower nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,734/month to housing in Nampa vs $2,245/month in Oxnard. In Nampa, 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 149 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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