City comparison
Miami, FL vs Oxnard, CA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Miami, FL are 3.3% higher than in Oxnard, CA. Someone earning $100,000 in Oxnard, CA would need about $103,300 in Miami, FL to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $2,250 a month in Oxnard, CA versus $1,995 in Miami, FL. On $100,000, that's 36% of take-home pay in Oxnard, CA and 30% in Miami, FL.
- On $100,000, estimated state income tax is about $5,070 a year higher in Oxnard, CA than in Miami, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by +9.5% moving from Miami, FL to Oxnard, CA ($113,356 → $124,085), while prices change by −3.2%. Net effect of the transfer: +13.1% in real buying power.
- Miami, FL: price level 114.2 (much 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
| Miami, FL | Oxnard, CA | |
|---|---|---|
| Price level (U.S. = 100)2 | 114.2 | 110.5 |
| $100,000 is worth, in the other city2 | $96,828 in Oxnard | $103,276 in Miami |
| Typical 1-bedroom rent3 | $1,995/mo | $2,250/mo |
| Take-home on $100,00014,15,8 | $79,180 | $74,110 |
| State income tax on $100,000 (estimate)8 | $0 (FL) | $5,070 (CA) |
| Rent burden on $100,000 | 30% | 36% |
| Median pay, all jobs4 | $48,640 | $52,510 |
| Federal locality pay area7 | Miami-Port St. Lucie-Fort Lauderdale, FL | Los Angeles-Long Beach, CA |
Rent areas: Miami-Miami Beach-Kendall, FL HUD Metro FMR Area and Oxnard-Thousand Oaks-Ventura, CA MSA. Metro areas: Miami-Fort Lauderdale-West Palm Beach, FL and Oxnard-Thousand Oaks-Ventura, CA.
What costs more or less
| Price level (U.S. = 100) | Miami | Oxnard |
|---|---|---|
| Housing (rent) | 155.6 | 171.1 |
| Goods | 103.6 | 105.2 |
| Utilities | 97.2 | 152.9 |
| Other services | 109.1 | 100.3 |
| Overall | 114.2 | 110.5 |
Moving with the same $100,000 salary
Miami, FL → Oxnard, CA
Same pay goes further
Buying power +3.3%; rent takes 36% of take-home; state tax +$5,070/yr.
62 Fair offer
Oxnard, CA → Miami, FL
Same pay buys less
Buying power −3.2%; rent takes 30% of take-home; state tax −$5,070/yr.
51 Fair offer
On the GS pay scale?
Miami, FL is in the Miami-Port St. Lucie-Fort Lauderdale, FL pay area; Oxnard, CA is in Los Angeles-Long Beach, CA. The last column shows what a transfer from Miami, FL to Oxnard, CA at the same grade and step does to real buying power.
| Grade5,2 | Miami, FL | Oxnard, CA | Real change, Miami → Oxnard |
|---|---|---|---|
| GS-9 step 1 | $65,735 | $71,957 | +13.1% |
| GS-11 step 1 | $79,533 | $87,061 | +13.1% |
| GS-12 step 1 | $95,326 | $104,349 | +13.1% |
| GS-13 step 1 | $113,356 | $124,085 | +13.1% |
| GS-14 step 1 | $133,953 | $146,632 | +13.1% |
Pay for common jobs
| Median annual pay4 | Miami, FL | Oxnard, CA | Oxnard pay in Miami dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $58,300 | $99,420 | $102,677 (+76.1%) |
| Software Developers | $132,650 | $159,430 | $164,653 (+24.1%) |
| Accountants and Auditors | $80,920 | $90,340 | $93,299 (+15.3%) |
| Registered Nurses | $91,380 | $131,160 | $135,457 (+48.2%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.