Oxnard, CA vs Tracy, CA

Oxnard is moderately more affordable than Tracy, with a 7.3% lower cost of living index. Oxnard scores 150 compared to 162 for Tracy, where the US average is 100. This difference means residents of Tracy can expect to pay noticeably more for everyday expenses, housing, and services.

On the housing front, median rent in Oxnard is $1,962/month compared to $2,325/month in Tracy — a 16% difference. Home values follow the same pattern: Oxnard is more affordable at $617,800 median vs $653,900.

Median household income in Oxnard is $93,372 compared to $118,253 in Tracy (-21%). While Tracy is more expensive, its higher salaries more than compensate — residents there may actually end up with more disposable income. Looking at affordability, residents of Oxnard spend roughly 25.2% of their income on rent, more than the 23.6% in Tracy.

Climate-wise, both cities share similar average temperatures (61.2°F vs 63°F). Tracy receives more rainfall at 13.5" per year compared to 12.9" in Oxnard.