Oxnard vs Yuma
Cost of Living Comparison · 2026
Oxnard
Yuma
The Verdict
The cost gap between these cities is 67.4%, with Yuma being the more affordable option. A $75,000 income in Oxnard has equivalent purchasing power to $44,805 in Yuma.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Oxnard has the same purchasing power as $44,805 in Yuma.
Conversely, $75,000 in Yuma equals $125,543 in Oxnard.
Living in Oxnard vs Yuma
Housing Costs
Oxnard's housing index of 253 is higher Yuma's 82, translating to median home prices of $653,000 vs $284,000. The $369,000 difference in home prices means roughly $23,988 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,925/mo in Oxnard compared to $1,100/mo in Yuma, a monthly difference of $825.
Grocery & Food Costs
Grocery expenses index at 112 in Oxnard and 101 in Yuma. A household spending the national average of $475/month on groceries would pay approximately $532/month in Oxnard vs $480/month in Yuma. Yuma offers a meaningful advantage on everyday food costs, saving roughly $624/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 107 in Oxnard and 102 in Yuma. Monthly utility bills average approximately $428 in Oxnard vs $408 in Yuma. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 113 in Oxnard and 87 in Yuma. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 26-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $96,200 in Oxnard and $54,100 in Yuma. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $62,468 and $58,804 respectively. Oxnard residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $2,245/month to housing in Oxnard vs $1,262/month in Yuma. In Oxnard, median rent of $1,925/mo fits within this budget. In Yuma, median rent of $1,100/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 171 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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