City comparison
Ocala, FL vs Oxnard, CA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Oxnard, CA are 16.1% higher than in Ocala, FL. Someone earning $100,000 in Ocala, FL would need about $116,100 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 $1,172 in Ocala, FL. On $100,000, that's 36% of take-home pay in Oxnard, CA and 18% in Ocala, FL.
- On $100,000, estimated state income tax is about $5,070 a year higher in Oxnard, CA than in Ocala, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by +16.6% moving from Ocala, FL to Oxnard, CA ($106,437 → $124,085), while prices change by +16.1%. Net effect of the transfer: +0.4% in real buying power.
- Ocala, FL: price level 95.2 (cheaper)
- 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
| Ocala, FL | Oxnard, CA | |
|---|---|---|
| Price level (U.S. = 100)2 | 95.2 | 110.5 |
| $100,000 is worth, in the other city2 | $116,066 in Oxnard | $86,158 in Ocala |
| Typical 1-bedroom rent3 | $1,172/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 | 18% | 36% |
| Median pay, all jobs4 | $43,990 | $52,510 |
| Federal locality pay area7 | Rest of U.S. | Los Angeles-Long Beach, CA |
Rent areas: Ocala, FL MSA and Oxnard-Thousand Oaks-Ventura, CA MSA. Metro areas: Ocala, FL and Oxnard-Thousand Oaks-Ventura, CA.
What costs more or less
| Price level (U.S. = 100) | Ocala | Oxnard |
|---|---|---|
| Housing (rent) | 86.2 | 171.1 |
| Goods | 96.2 | 105.2 |
| Utilities | 87.1 | 152.9 |
| Other services | 98.9 | 100.3 |
| Overall | 95.2 | 110.5 |
Moving with the same $100,000 salary
Ocala, FL → Oxnard, CA
Same pay buys less
Buying power −13.8%; rent takes 36% of take-home; state tax +$5,070/yr.
20 Weak offer
Oxnard, CA → Ocala, FL
Same pay goes further
Buying power +16.1%; rent takes 18% of take-home; state tax −$5,070/yr.
100 Strong offer
On the GS pay scale?
Ocala, FL is in the Rest of U.S. pay area; Oxnard, CA is in Los Angeles-Long Beach, CA. The last column shows what a transfer from Ocala, FL to Oxnard, CA at the same grade and step does to real buying power.
| Grade5,2 | Ocala, FL | Oxnard, CA | Real change, Ocala → Oxnard |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $71,957 | +0.4% |
| GS-11 step 1 | $74,678 | $87,061 | +0.4% |
| GS-12 step 1 | $89,508 | $104,349 | +0.4% |
| GS-13 step 1 | $106,437 | $124,085 | +0.4% |
| GS-14 step 1 | $125,776 | $146,632 | +0.4% |
Pay for common jobs
| Median annual pay4 | Ocala, FL | Oxnard, CA | Oxnard pay in Ocala dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $57,540 | $99,420 | $85,658 (+48.9%) |
| Software Developers | $112,780 | $159,430 | $137,362 (+21.8%) |
| Accountants and Auditors | $74,370 | $90,340 | $77,835 (+4.7%) |
| Registered Nurses | $79,230 | $131,160 | $113,005 (+42.6%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.