Cost of Living Comparison Between New York, NY and Oxnard, CA Cost of Living Comparison Between New York, NY and Oxnard, CA

Monthly Cost of Living

A single person spends $4,568 per month in New York, NY vs $3,101 in Oxnard, CA, rent included.

A couple spends around $7,104 per month in New York, NY vs $3,848 in Oxnard, CA, rent included.

A family of three spends $9,640 per month in New York, NY vs $4,595 in Oxnard, CA, rent included.

New York, NY costs about 47% more than Oxnard, CA, driven mainly by Groceries & Markets.

Both New York, NY and Oxnard, CA sit above the global median – New York, NY by 243%, Oxnard, CA by 133%.

Meal at Budget Restaurant

$29.73 $29.73

$18.17 $18.17

63.62%

Three-Course Dinner for Two, Mid-Range

$143 $143

$57.2 $57.2

150.67%

Fast Food Meal (McDonalds, etc)

$12.26 $12.26

$10.19 $10.19

20.31%

Cappuccino

$5.86 $5.86

$5.71 $5.71

2.63%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$3.25 $3.25

$2.71 $2.71

19.93%

Water (0.33 liter bottle)

$2.58 $2.58

$2.05 $2.05

25.85%

Local Beer (0.5 liter draught)

$7.97 $7.97

$8.01 $8.01

-0.50%

Imported Beer (0.33 liter bottle)

$11.97 $11.97

$8.67 $8.67

38.06%

Milk (1 liter)

$1.61 $1.61

$1.15 $1.15

40.00%

White Bread (500g)

$5.15 $5.15

$1.32 $1.32

290.15%

Rice (white) (1kg)

$8.35 $8.35

$1.73 $1.73

382.66%

Eggs

$7.16 $7.16

$4.44 $4.44

61.26%

Local Cheese (1kg)

$17.12 $17.12

$12.33 $12.33

38.85%

Chicken Fillets (1kg)

$16.26 $16.26

$11.79 $11.79

37.91%

Beef Round Steak (1kg)

$20.40 $20.40

$14.55 $14.55

40.21%

Apples (1kg)

$7.73 $7.73

$2.21 $2.21

249.77%

Banana (1kg)

$2.56 $2.56

$1.72 $1.72

48.84%

Oranges (1kg)

$5.86 $5.86

$2.72 $2.72

115.44%

Tomato (1kg)

$6.45 $6.45

$2.67 $2.67

141.57%

Potato (1kg)

$3.87 $3.87

$1.29 $1.29

200.00%

Onion (1kg)

$3.93 $3.93

$1.92 $1.92

104.69%

Lettuce (1 head)

$3.17 $3.17

$1.67 $1.67

89.82%

Water (1.5 liter bottle)

$2.58 $2.58

$2.01 $2.01

28.36%

Cigarettes 20 Pack (Marlboro, Camel)

$19.32 $19.32

$9.87 $9.87

95.74%

Wine (Bottle)

$19.92 $19.92

$14.95 $14.95

33.24%

Local Beer (0.5 liter bottle)

$3.00 $3.00

$1.68 $1.68

78.57%

Imported Beer (0.33 liter bottle)

$3.78 $3.78

$4.66 $4.66

-18.88%

One-way Ticket (Public Transport)

$2.96 $2.96

$1.52 $1.52

94.74%

Public Transport Monthly Pass (Regular Price)

$131 $131

Taxi Start (Normal Tariff)

$4.87 $4.87

$3.94 $3.94

23.60%

Taxi (Normal Tariff) (1km)

$2.21 $2.21

$2.01 $2.01

9.95%

Taxi 1hour Waiting (Normal Tariff)

$41.86 $41.86

$31.63 $31.63

32.34%

Gasoline (1 liter)

$0.97 $0.97

$1.27 $1.27

-23.62%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$34.5K $34.5K

$28.8K $28.8K

19.93%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$28.3K $28.3K

$26.3K $26.3K

7.50%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$183 $183

$182 $182

0.28%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$59.4 $59.4

$54.9 $54.9

8.33%

Internet (50+ Mbps, Unlimited Data)

$62.8 $62.8

$57.8 $57.8

8.51%

Gym Membership (Monthly)

$142 $142

$37.85 $37.85

274.53%

Tennis Court (1 Hour on Weekend)

$65.7 $65.7

Cinema Ticket

$19.63 $19.63

$13.97 $13.97

40.52%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$3,104 $3,104

$1,870 $1,870

65.98%

International Primary School, 1 Child (Yearly)

$57.8K $57.8K

$40.7K $40.7K

42.00%

Jeans (Levis 501 Or Similar)

$66.7 $66.7

$37.98 $37.98

75.72%

Summer Dress (H&M, Zara, etc)

$47.29 $47.29

$40.61 $40.61

16.45%

Sport Shoes (Adidas, Nike)

$113 $113

$59.3 $59.3

91.12%

Men's Leather Business Shoes

$174 $174

$81.1 $81.1

114.47%

1-bedroom Apartment, City Center (Monthly)

$4,117 $4,117

$1,982 $1,982

107.74%

1-bedroom Apartment, Outside City Center (Monthly)

$2,643 $2,643

$1,887 $1,887

40.07%

3-bedroom Apartment, City Center (Monthly)

$8,437 $8,437

$3,255 $3,255

159.22%

3-bedroom Apartment, Outside City Center (Monthly)

$5,240 $5,240

$2,204 $2,204

137.73%

Buy Apartment in City Center (m2)

$17.8K $17.8K

$5,966 $5,966

198.86%

Buy Apartment Outside City Center (m2)

$6,220 $6,220

$5,904 $5,904

5.37%

Average Monthly Net Salary (After Tax)

$5,482 $5,482

$3,404 $3,404

61.06%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.44

6.45

-0.16%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for New York, NY: June 15, 2026

Last update for Oxnard, CA: June 15, 2026

Cost Breakdown

A central one-bedroom costs $4,117 in New York, NY versus $1,982 in Oxnard, CA. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 61% higher in New York, NY, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $143 in New York, NY versus $57.0 in Oxnard, CA. Monthly groceries follow the same trend: $559 vs $321 – making Oxnard, CA the more affordable choice for daily food spending.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

New York, NY vs Oxnard, CA: Cost of Living - Frequently Asked Questions

New York, NY costs about 47% more than Oxnard, CA, with the gap driven mainly by Groceries & Markets. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $6,852 per month in New York, NY and $4,652 in Oxnard, CA. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Oxnard, CA, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $4,568 in New York, NY and $3,101 in Oxnard, CA. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $3,104 per month in New York, NY and $1,870 in Oxnard, CA. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$2,500 is a stretch for both – monthly costs hit $4,568 in New York, NY and $3,101 in Oxnard, CA. You'll need shared housing and careful budgeting no matter which city you pick.

For digital nomads, it depends on budget. Oxnard, CA costs $3,101 versus $4,568 in New York, NY. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

If budget matters most, go with Oxnard, CA. If higher salaries, better infrastructure, or specific career opportunities are the priority, New York, NY makes more sense. Both are solid long-term options with distinct trade-offs.