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City · 200,928 residents · Ventura County, California

Oxnard , California

In Oxnard, a typical home is worth $652,700 and typical rent is $2,032 a month. Compared with all of Ventura County, the typical home value is 21% lower, typical household income is 12% lower, and the share of households that own their home is 10 points lower.

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  • Typical home value

    $652,700

    21% below the county

    11% below California

    • Oxnard
    • Ventura
    • California

  • Typical rent

    $2,032a month

    12% below the county

    About the same as California

    • Oxnard
    • Ventura
    • California

  • Typical household income

    $96,212a year

    12% below the county

    3% below California

    • Oxnard
    • Ventura
    • California

  • Households that own their home

    54%

    10 points below the county

    1 points below California

    • Oxnard
    • Ventura
    • California

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$758,052
1.3% more than 12 months ago
Typical rent
$2,894 a month
about the same as 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Oxnard is in Ventura County. The FHA loan limit ($1,035,000 for a one-unit home), the fair market rents and the help on this page are those of all of Ventura County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Oxnard apart

What this place has that others do not, from public data, most unusual first.

  1. The typical home in Oxnard is worth $652,700, 21% less than in Ventura County as a whole ($822,700).

  2. 54% of households in Oxnard own their home, against 65% in Ventura County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Oxnard

What homes there are in Oxnard, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In Oxnard, 5 in 10 homes are single-family detached houses; in Ventura County, 6.

Year built

In Oxnard, half of the homes were built before 1977; in Ventura County, before 1978.

Homes in Oxnard are smaller: 61% have 3 bedrooms or more; in Ventura County, 65%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

At least 92% of owner-occupied homes in Oxnard are worth less than $1,000,000, below the FHA loan limit for Ventura County ($1,035,000).

Monthly rent with utilities

About 65% of rented homes in Oxnard cost less than HUD's 2-bedroom fair market rent for Ventura County ($2,424); the rest cost more.

With a mortgage

$2,680 a month

Ventura County: $3,105 a month

Without a mortgage

$704 a month

Ventura County: $847 a month

Owners with a mortgage

65%

Ventura County: 69%

The typical cost for an owner with a mortgage in Oxnard is $2,680 a month, less than in Ventura County ($3,105); without one, $704.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Oxnard rose 44%; in Ventura County, it rose 40%.

The typical rent in Oxnard rose 28% since 2015–2019, about the same as in Ventura County (31%).

While home values in Oxnard changed +44% and rent +28%, the typical household income rose 32%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureOxnardVentura CountyCaliforniaUnited States
Rental vacancy 3.1%3.8%4.2%5.5%
Homeowner vacancy Unreliable estimate0.5%0.8%0.9%
More than one person per room 17.1%7.0%8.2%3.4%
People per household 3.762.942.842.53
Drive alone 74%70%66%69%
Carpool 16%10%10%9%
Public transit 1%1%3%3%
Walk or bike 2%2%3%3%
Work from home 7%16%17%15%
Other means 1%1%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Oxnard, the rental vacancy rate is 3.1%, about the same as in Ventura County.

More households are short on space in Oxnard: 17.1% have more than one person per room; in Ventura County, 7.0%.

On average, a household in Oxnard has 3.76 people, more than in Ventura County (2.94).

Carpooling is common in Oxnard: 16% of workers get to work that way, against 10% in Ventura County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Oxnard?

A typical home costs more than the typical income allows

We start with a typical home in Oxnard, worth $652,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 66% of the typical household income in Oxnard, which is $96,212 a year. For that payment to be 28% of income, a household would need to earn about $226,178 a year.

The calculator's FHA and conventional loan limits are those of all of Ventura County.

Your numbers

Local data
$

Starts at the typical home value in Oxnard. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $22,845 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$5,278

at 7.18% · 30 years

Loan amount
$640,877
Total interest
$922,072
Paid off in
November 2056

Includes $11,022 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,245 a month

  • Tight

    $2,245 to $2,886 a month

  • Hard

    more than $2,886 a month

    Your payment · 66%

Compared with the typical household income in Oxnard ($96,212 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,278
Principal & interest$4,342
Property tax$375
Home insurance$272
FHA mortgage insurance (MIP)$289

You need at least $22,845 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Oxnard and Ventura County

Oxnard is in Ventura County, California. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Oxnard's own numbers

Typical home value
$652,700
Typical monthly rent
$2,032
Typical yearly household income
$96,212
Households that own their home
54%
Effective property tax rate
0.69%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Ventura County

FHA limit, one-unit home
$1,035,000
Conventional limit, one unit
$1,035,000
HUD fair market rent, 2 bedrooms
$2,424
Price change over 5 years (FHFA)
+44%
Homes in a high flood-risk zone
3.2%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Ventura County.

Everything about Ventura County

Buying

Buying a home in Oxnard

A typical home in Oxnard is worth $652,700: 21% below the county and 11% below California. With the typical household income in Oxnard ($96,212 a year), a typical home costs 6.8 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Oxnard 6.8 years
  • Ventura 7.5 years
  • California 7.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Ventura County

According to FHFA’s house price index, home prices in Ventura County rose 78% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Ventura County.

Period County California U.S.
Last year (2025) +2.0% +0.8% +2.9%
5 years (2020–2025) +44% +40% +47%
10 years (2015–2025) +78% +80% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Oxnard next to Ventura County, California and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Oxnard $652,700
  • Ventura $822,700
  • California $734,700
  • United States $332,700
Typical monthly rent
  • Oxnard $2,032
  • Ventura $2,317
  • California $2,036
  • United States $1,413
Typical yearly household income
  • Oxnard $96,212
  • Ventura $109,797
  • California $99,122
  • United States $80,734
See the full table
Oxnard next to Ventura County and California
Measure Oxnard Ventura County California U.S.
Typical home value $652,700 $822,700 $734,700 $332,700
Typical monthly rent $2,032 $2,317 $2,036 $1,413
Typical yearly household income $96,212 $109,797 $99,122 $80,734
Households that own their home 54% 65% 56% 65%
Typical yearly property tax $4,485 $5,574 $5,124 $3,119
Effective property tax rate 0.69% 0.68% 0.7% 0.94%
Renters with high rent for their income 57% 59% 55% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Ventura County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Oxnard

For a typical $652,700 home in Oxnard, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oxnard's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,277a month

    Least cash to close
    Down payment
    $22,845
    Cash to close
    $42,426
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $289

  • Conventional, 5% down $5,158a month

    Down payment
    $32,635
    Cash to close
    $52,216
    Rate
    7.18%
    Mortgage insurance
    PMI · $310

  • Conventional, 20% down, no PMI $4,185a month

    Down payment
    $130,540
    Cash to close
    $150,121
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,788a month

    Down payment
    $97,905
    Cash to close
    $117,486
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Oxnard and for Ventura County.

Property tax

Effective rate in Oxnard

0.69%of the home’s value each year

$4,485 a year for the typical owner in Oxnard.

  • Oxnard 0.69%
  • Ventura 0.68%
  • California 0.7%

What California publishes Homeowners' exemption (California State Board of Equalization (BOE))

Exemptions and deadlines in California

Flood risk in Ventura County

FEMA does not publish these numbers by city: they are for all of Ventura County.

Homes in the high-risk zone
3.2%
7,333
Of those, with NFIP insurance
31%
County California U.S.
Homes in the high-risk zone 3.2% 2.8% 3.5%
Of those, with NFIP insurance 31% 31% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Oxnard

Typical rent in Oxnard is $2,032 a month: 12% below the county. In Oxnard, 57% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Ventura County, by unit size. To pay the 2-bedroom one ($2,424 a month) without spending more than 30% of your income, you would need to earn $46.62 an hour working full time.

HUD fair market rent for all of Ventura County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,827 $35.13 $73,080
1 bedroom $2,035 $39.13 $81,400
2 bedrooms $2,424 $46.62 $96,960
3 bedrooms $3,287 $63.21 $131,480
4 bedrooms $3,816 $73.38 $152,640

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Oxnard

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Oxnard has 4 ZIP codes with their own.

For 2 bedrooms it runs from $2,010 in 93033 to $2,590 in 93035.

1 of the 4 is above the fair market rent for Ventura County ($2,424).

  • 93030 $2,120$2,880
  • 93033 $2,010$2,720
  • 93035 $2,590$3,490
  • 93036 $2,370$3,190

4 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Oxnard when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Oxnard

HUD lists 34 buildings with rents for lower incomes in Oxnard. These are the largest.

  • Holiday Manor Apts 1924 Camino Del Sol, Oxnard 93030 252 homes, 251 low-income · 1 bd: 60 · 2 bd: 101 · 3 bd: 91 · In service since 2001 · For families
  • Gateway Station 1230 S Oxnard Blvd, Oxnard 93030 240 homes, 237 low-income · 1 bd: 35 · 2 bd: 88 · 3 bd: 93 · 4 bd: 24 · In service since 2018
  • Sycamore Senior Village 333 N F St, Oxnard 93030 229 homes, 226 low-income · Studio: 94 · 1 bd: 112 · 2 bd: 22 · In service since 2009 · For older adults
  • Pacific Point Apts 1001 W Gonzales Rd, Oxnard 93036 213 low-income homes · 1 bd: 170 · 2 bd: 46 · In service since 1997
  • Heritage Park Apts 820 S E St, Oxnard 93030 195 low-income homes · 1 bd: 146 · 2 bd: 49 · In service since 1997 · For older adults

See all 120 buildings in Ventura County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Oxnard

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 2 HUD-approved agencies with an office in Ventura County; 1 says it serves in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Oxnard

No down payment, repair or rent-help program on our list is for Oxnard or Ventura County. The ones below are statewide in California: they work in Oxnard the same as in the rest of the state.

Which programs do I qualify for? All programs in California

  • MyHome Assistance Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers in California. Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

  • California Dream For All Shared Appreciation Loan

    Statewide in California

    Closed, per the source

    CalHFA down payment loan for first-generation buyers in California; when you sell, you repay the loan plus a share of the home's appreciation. Offered by California Housing Finance Agency (CalHFA).

    Shared appreciation

    See the program Official page

  • MyAccess Program

    Statewide in California

    CalHFA second loan with deferred payments for the down payment or closing costs of first-time buyers who use the CalPLUS Access mortgage (FHA or conventional). Offered by California Housing Finance Agency (CalHFA).

    Deferred

    See the program Official page

Housing counselors near Oxnard

The HUD-approved agencies closest to the center of Oxnard, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • My Way Home

    2231 Sturgis Rd Unit A, Oxnard · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (805) 273-7800

  • Centro Familia Esperanza

    1720 E Los Angeles Ave Ste 216, Simi Valley · 26 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (805) 813-8751

  • Money Management International, Los Angeles

    6080 Center Dr Fl 6, Los Angeles · 49 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (866) 232-9080

Every agency in Ventura County All counseling agencies in California

Help in Spanish near Oxnard

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Oxnard

HUD’s record names them for Oxnard or Ventura County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the City of Oxnard Public housing and Section 8 vouchers (805) 385-8094
  • Housing Authority of the County of Ventura Public housing and Section 8 vouchers (805) 480-9991

3 other authorities have an office in Ventura County: see the list Source: HUD

Cities

Other cities in Ventura County

These cities are also in Ventura County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Ventura County Housing in California
See 1 more city in Ventura County, with its price and rent

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Oxnard, with the typical home value.

Neighboring counties

If Ventura County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Oxnard.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Oxnard

Short answers with the numbers for Oxnard and all of Ventura County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Oxnard?

The typical home value in Oxnard is $652,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ventura County it is $822,700.

How much does it cost to rent in Oxnard?

Typical rent in Oxnard is $2,032 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ventura County is $2,424.

What is the FHA loan limit in Oxnard?

Oxnard uses the FHA limit for all of Ventura County (2026): $1,035,000 for a one-unit home and $1,990,450 for a four-unit home.

How much property tax do owners pay in Oxnard?

The typical homeowner in Oxnard pays $4,485 a year, according to the U.S. Census Bureau. That is 0.69% of the home’s value; in Ventura County, the rate is 0.68%.

Where can I find free help to buy or rent in Oxnard?

There are 2 HUD-approved counseling agencies with an office in Ventura County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).