Source-led head-to-head · 2024 ACS
Moving from Phoenix to Oxnard
Phoenix and Oxnard answer different parts of the relocation question. Phoenix has the lower default annual core-cost model, while the salary, excluded state-tax assumption, and rent-versus-buy choice can reverse that result. Use the citywide ACS figures as reference points, then replace them with the actual offer and housing quote.
Corridor Direction & Trade-off Delta
⇄ Switch to Oxnard → PhoenixMoving from Phoenix to Oxnard
Median Rent Impact
+$450/mo
Moving to Oxnard costs ~$5,400 more/yr in rent.
State Tax Treatment
-2.5%
~$2,500 saved in state tax on a $100k salary in California.
Daily Commute Difference
-1 min / day
Difference of ~8 hours per year spent commuting based on 2024 ACS midpoint averages.
Your move
Compare the life behind the offer.
Adjust the assumptions. Every result updates instantly.
Search all 32,330 U.S. Census places directly below.Instant results use official 2024 ACS place data. Places with incomplete required signals remain visible in search but cannot be selected.
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 VERDICTPHX → OXN
61/ 100
A close, nuanced move
Your modeled annual room improves.Estimated annual life delta+$9,359after essentials; unverified state tax excluded
Best gainMedian rent is 25.3% of median monthly income.
Watch closelyHigher home values reflect long-term equity but increase entry barriers.
The short answer
In the uniform one-person renting baseline, Phoenix is about $5,400 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.
Phoenix household income$81,332
Oxnard household income$96,212
Phoenix gross rent$1,582
Oxnard gross rent$2,032
Housing, income, and tax reference
| Metric | Phoenix | Oxnard |
|---|---|---|
| 2024 ACS population | 1,642,323 | 200,928 |
| Median household income | $81,332 | $96,212 |
| Median gross rent | $1,582 | $2,032 |
| Median owner-occupied home value | $420,700 | $652,700 |
| State-tax treatment | 2.5% simplified | Excluded |
Time and daily routine
The commute-time distribution produces a weighted one-way estimate of about 28 minutes in Phoenix and 27 minutes in Oxnard. 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
- Compare actual offers rather than city medians
- Verify neighborhood housing against the citywide ACS benchmark
- Treat renting and buying as separate decisions
- Use the route-specific commute, not only the city estimate
What each city wins
Phoenix
A balanced income-to-rent profile with a low flat state-tax reference. Watch the $420,700 home-value benchmark is materially above dallas despite similar commute time.
Oxnard
Median rent is 25.3% of median monthly income.. Watch higher home values reflect long-term equity but increase entry barriers..
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.