Source-led head-to-head · 2024 ACS
Moving from Oxnard to New York
Based on 2024 ACS 5-year data, Oxnard has a higher median household income ($96,212) than New York City ($80,483), but NYC has lower median gross rent ($1,821 vs. $2,032) and a higher median home value ($777,600 vs. $652,700). Oxnard’s shorter commute (27 minutes) contrasts with NYC’s longer 44-minute average. While NYC applies a simplified 5.50% state income tax reference in the model, Oxnard’s profile excludes state tax due to lack of approved reference. These factors create a trade-off: Oxnard offers higher income and shorter commutes but higher rents relative to income, while NYC provides lower rents and higher home values despite lower income and longer commutes, with tax treatment differing by model assumptions.
Corridor Direction & Trade-off Delta
⇄ Switch to New York → OxnardMoving from Oxnard to New York
Median Rent Impact
-$211/mo
Moving to New York saves ~$2,532/yr in rent.
State Tax Treatment
+5.5%
~$5,500 more state tax on a $100k salary in New York.
Daily Commute Difference
+17 min / day
Difference of ~142 hours per year spent commuting based on 2024 ACS midpoint averages.
Your move
Compare the life behind the offer.
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Directional estimate using ACS citywide benchmarks. Verified profiles may include a simplified state-tax reference; automatically added profiles exclude state tax until an official reference is approved. Exact tax, benefits, debt, housing, insurance, and personal circumstances may materially change the result.
LIVE VERDICTOXN → NYC
49/ 100
The offer needs work
Your modeled annual room improves.Estimated annual life delta+$8,756after essentials; unverified state tax excluded
Best gainThe deepest employment market and largest-city scale in the reviewed cohort
Watch closelyThe cohort's longest commute estimate plus a separate New York City resident income tax
The short answer
In the uniform one-person renting baseline, New York is about $2,532 lower per year. This is not a verdict by itself: replace city medians with the actual offer, address, household, benefits, insurance, and tax details before deciding.
Oxnard household income$96,212
New York household income$80,483
Oxnard gross rent$2,032
New York gross rent$1,821
Housing, income, and tax reference
| Metric | Oxnard | New York |
|---|---|---|
| 2024 ACS population | 200,928 | 8,483,844 |
| Median household income | $96,212 | $80,483 |
| Median gross rent | $2,032 | $1,821 |
| Median owner-occupied home value | $652,700 | $777,600 |
| State-tax treatment | Excluded | 5.5% simplified |
Time and daily routine
The commute-time distribution produces a weighted one-way estimate of about 27 minutes in Oxnard and 44 minutes in New York. This citywide estimate cannot capture a specific route, remote-work schedule, or transit choice, so the calculator converts it into an explicit time difference instead of hiding it in a subjective lifestyle score.
Decision checklist
- Median household income
- Median gross rent
- Median owner-occupied home value
- One-way commute time
- State income tax treatment in model
- Uniform non-housing cost baseline
What each city wins
Oxnard
Median rent is 25.3% of median monthly income.. Watch higher home values reflect long-term equity but increase entry barriers..
New York
The deepest employment market and largest-city scale in the reviewed cohort. Watch the cohort's longest commute estimate plus a separate new york city resident income tax.
Frequently asked questions
How do housing costs compare between Oxnard and New York City relative to income?
Oxnard’s median gross rent is $2,032/month on a $96,212 income, while NYC’s is $1,821/month on an $80,483 income. Rent represents a slightly higher share of income in Oxnard despite the higher nominal rent, due to income differences.
What is the trade-off between commute time and home value in these two cities?
Oxnard residents have a shorter average commute (27 minutes) and lower median home value ($652,700), while NYC residents face longer commutes (44 minutes) but higher median home values ($777,600), reflecting differing access to space and transit infrastructure.
Source boundary: Core figures come from the 2024 ACS five-year tables linked on each city profile. Commute is derived from B08303 midpoint weighting. A state-tax value without an approved official reference is excluded and disclosed. This comparison becomes index-eligible only after its unique analysis clears the content quality gate.