City comparison
Denver, CO vs Oxnard, CA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Oxnard, CA are 4.5% higher than in Denver, CO. Someone earning $100,000 in Denver, CO would need about $104,500 in Oxnard, CA to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $2,250 a month in Oxnard, CA versus $1,754 in Denver, CO. On $100,000, that's 36% of take-home pay in Oxnard, CA and 28% in Denver, CO.
- On $100,000, estimated state income tax is about $1,379 a year higher in Oxnard, CA than in Denver, CO.
- For federal employees, locality pay changes a GS-13 step 1 salary by +4.6% moving from Denver, CO to Oxnard, CA ($118,675 → $124,085), while prices change by +4.5%. Net effect of the transfer: +0.1% in real buying power.
- Denver, CO: price level 105.8 (pricier)
- Oxnard, CA: price level 110.5 (much pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Denver, CO | Oxnard, CA | |
|---|---|---|
| Price level (U.S. = 100)2 | 105.8 | 110.5 |
| $100,000 is worth, in the other city2 | $104,492 in Oxnard | $95,701 in Denver |
| Typical 1-bedroom rent3 | $1,754/mo | $2,250/mo |
| Take-home on $100,00014,15,8 | $75,488 | $74,110 |
| State income tax on $100,000 (estimate)8 | $3,692 (CO) | $5,070 (CA) |
| Rent burden on $100,000 | 28% | 36% |
| Median pay, all jobs4 | $62,320 | $52,510 |
| Federal locality pay area7 | Denver-Aurora, CO | Los Angeles-Long Beach, CA |
Rent areas: Denver-Aurora-Centennial, CO MSA and Oxnard-Thousand Oaks-Ventura, CA MSA. Metro areas: Denver-Aurora-Centennial, CO and Oxnard-Thousand Oaks-Ventura, CA.
What costs more or less
| Price level (U.S. = 100) | Denver | Oxnard |
|---|---|---|
| Housing (rent) | 146.9 | 171.1 |
| Goods | 101.0 | 105.2 |
| Utilities | 87.9 | 152.9 |
| Other services | 99.4 | 100.3 |
| Overall | 105.8 | 110.5 |
Moving with the same $100,000 salary
Denver, CO → Oxnard, CA
Same pay buys less
Buying power −4.3%; rent takes 36% of take-home; state tax +$1,379/yr.
38 Weak offer
Oxnard, CA → Denver, CO
Same pay goes further
Buying power +4.5%; rent takes 28% of take-home; state tax −$1,379/yr.
78 Strong offer
On the GS pay scale?
Denver, CO is in the Denver-Aurora, CO pay area; Oxnard, CA is in Los Angeles-Long Beach, CA. The last column shows what a transfer from Denver, CO to Oxnard, CA at the same grade and step does to real buying power.
| Grade5,2 | Denver, CO | Oxnard, CA | Real change, Denver → Oxnard |
|---|---|---|---|
| GS-9 step 1 | $68,819 | $71,957 | +0.1% |
| GS-11 step 1 | $83,265 | $87,061 | +0.1% |
| GS-12 step 1 | $99,800 | $104,349 | +0.1% |
| GS-13 step 1 | $118,675 | $124,085 | +0.1% |
| GS-14 step 1 | $140,239 | $146,632 | +0.1% |
Pay for common jobs
| Median annual pay4 | Denver, CO | Oxnard, CA | Oxnard pay in Denver dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $76,910 | $99,420 | $95,146 (+23.7%) |
| Software Developers | $137,610 | $159,430 | $152,576 (+10.9%) |
| Accountants and Auditors | $100,020 | $90,340 | $86,456 (−13.6%) |
| Registered Nurses | $101,130 | $131,160 | $125,521 (+24.1%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.