Overall
Diff -5.1 RPP
San Francisco-Oakland-Fremont vs Oxnard-Thousand Oaks-Ventura
Cost of living comparison based on BEA Regional Price Parities. Oxnard-Thousand Oaks-Ventura is 4.4% less expensive than San Francisco-Oakland-Fremont.
4.4% less expensive
Oxnard-Thousand Oaks-Ventura, CA is 4.4% less expensive than San Francisco-Oakland-Fremont, CA on BEA Regional Price Parities (overall RPP 110.5 vs 115.6). A $100,000 salary in San Francisco-Oakland-Fremont buys about the same as $95,607 in Oxnard-Thousand Oaks-Ventura; the largest component gap is rents.
- Overall RPP 115.6 (San Francisco-Oakland-Fremont) vs 110.5 (Oxnard-Thousand Oaks-Ventura)
- $100k in San Francisco-Oakland-Fremont ≈ $95,607 purchasing power in Oxnard-Thousand Oaks-Ventura
- Rents drives the gap (-23.6 RPP points)
RPP parity plate
Pair CA:CA 115.6→110.5
TIER-NEAR · SAME-STATE · RENT-LED · BOTH-ABOVE · PP-SHIFT
- TIER-NEAR Near tier
- SAME-STATE Same state · CA
- RENT-LED Rent-led gap
- BOTH-ABOVE Both above 100
- PP-SHIFT PP shift
Instrument codes from this pair's BEA Regional Price Parities (overall · goods · services · rents · national benchmark 100 · purchasing-power conversion), not a ranking or recommendation.
Salary Equivalents
What a salary in San Francisco-Oakland-Fremont would need to be in Oxnard-Thousand Oaks-Ventura for the same purchasing power:
| In San Francisco-Oakland-Fremont | In Oxnard-Thousand Oaks-Ventura | Difference |
|---|---|---|
| $50,000 | $47,803 | $-2,197 |
| $75,000 | $71,705 | $-3,295 |
| $100,000 | $95,607 | $-4,393 |
| $150,000 | $143,410 | $-6,590 |
$ in San Francisco-Oakland-Fremont = in Oxnard-Thousand Oaks-Ventura
Same BEA Regional Price Parity ratio as the table above (115.6 → 110.5), computed live from your number, nothing is sent anywhere.
What This Comparison Actually Tells You
Both metros exceed the U.S. benchmark of 100. The choice is between two national premiums, so local wages need to clear the higher baseline in either market.
Oxnard-Thousand Oaks-Ventura, CA is 4.4% less expensive than San Francisco-Oakland-Fremont, CA, a meaningful but not extreme shift. The move decision turns on which budget category creates the 5.1-point overall gap.
Rents leads the difference, with Oxnard-Thousand Oaks-Ventura 23.6 points lower than San Francisco-Oakland-Fremont. Goods, services, and rents all point in the same broad direction, making the headline comparison more transferable across household types.
Comparable population context is incomplete for this pair, so no market-scale explanation is inferred from the price indexes.
For a housing-sensitive move, validate the rent gap first: HUD Fair Market Rent and the actual unit size can overturn what the blended index implies. On the BEA ratio alone, $100,000 in San Francisco-Oakland-Fremont corresponds to $95,607 in Oxnard-Thousand Oaks-Ventura.
Category Breakdown
Goods
Diff -3.3 RPP
Services
Diff -19.7 RPP
Rents
Diff -23.6 RPP
| Category | San Francisco-Oakland-Fremont | Oxnard-Thousand Oaks-Ventura | Difference |
|---|---|---|---|
| Overall | 115.6 | 110.5 | -5.1 |
| Goods | 108.5 | 105.2 | -3.3 |
| Services | 172.6 | 152.9 | -19.7 |
| Rents | 194.7 | 171.1 | -23.6 |
Visual Comparison
Overall
San Francisco-Oakland-Fremont 115.6
Oxnard-Thousand Oaks-Ventura 110.5
Goods
San Francisco-Oakland-Fremont 108.5
Oxnard-Thousand Oaks-Ventura 105.2
Services
San Francisco-Oakland-Fremont 172.6
Oxnard-Thousand Oaks-Ventura 152.9
Rents
San Francisco-Oakland-Fremont 194.7
Oxnard-Thousand Oaks-Ventura 171.1
Vertical line = national average (100)
San Francisco-Oakland-Fremont
115.6
Cost Index
Oxnard-Thousand Oaks-Ventura
110.5
Cost Index
Frequently Asked Questions
Is Oxnard-Thousand Oaks-Ventura more expensive than San Francisco-Oakland-Fremont?
Oxnard-Thousand Oaks-Ventura is 4.4% less expensive than San Francisco-Oakland-Fremont. The overall cost index is 110.5 vs 115.6 (national average = 100).
What salary in Oxnard-Thousand Oaks-Ventura equals $100K in San Francisco-Oakland-Fremont?
A $100,000 salary in San Francisco-Oakland-Fremont has the same purchasing power as $95,607 in Oxnard-Thousand Oaks-Ventura. This is based on the BEA Regional Price Parity indexes.
How do rents compare between San Francisco-Oakland-Fremont and Oxnard-Thousand Oaks-Ventura?
Rents in San Francisco-Oakland-Fremont are indexed at 194.7 while Oxnard-Thousand Oaks-Ventura is at 171.1 (national average = 100). San Francisco-Oakland-Fremont has higher rents.
Data sources
- BEA Regional Price Parities (RPP), the cost-of-living indices shown on this page
- U.S. Census Bureau, American Community Survey (ACS), gross-rent observations behind the rents component
- BLS Consumer Price Index (CPI), goods and services price relatives
- BLS Occupational Employment and Wage Statistics (OEWS), labor-driven services component
- HUD Fair Market Rents (FMR), 40th-percentile rent cross-reference
Every figure on PlainCost is rendered directly from BEA Regional Price Parity source data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, our changelog, or report a data error. Data current as of 2026-08-11. Rankings measure the published cost-of-living index only; we don't recommend where to live or rate any metro's quality of life.