City comparison
Oxnard, CA vs Toledo, OH
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Oxnard, CA are 20.9% higher than in Toledo, OH. Someone earning $100,000 in Toledo, OH would need about $120,900 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 $820 in Toledo, OH. On $100,000, that's 36% of take-home pay in Oxnard, CA and 13% in Toledo, OH.
- On $100,000, estimated state income tax is about $3,103 a year higher in Oxnard, CA than in Toledo, OH.
- For federal employees, locality pay changes a GS-13 step 1 salary by −14.2% moving from Oxnard, CA to Toledo, OH ($124,085 → $106,437), while prices change by −17.3%. Net effect of the transfer: +3.7% in real buying power.
- Oxnard, CA: price level 110.5 (much pricier)
- Toledo, OH: price level 91.5 (much cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Oxnard, CA | Toledo, OH | |
|---|---|---|
| Price level (U.S. = 100)2 | 110.5 | 91.5 |
| $100,000 is worth, in the other city2 | $82,739 in Toledo | $120,862 in Oxnard |
| Typical 1-bedroom rent3 | $2,250/mo | $820/mo |
| Take-home on $100,00014,15,8 | $74,110 | $77,212 |
| State income tax on $100,000 (estimate)8 | $5,070 (CA) | $1,968 (OH) |
| Rent burden on $100,000 | 36% | 13% |
| Median pay, all jobs4 | $52,510 | $48,220 |
| Federal locality pay area7 | Los Angeles-Long Beach, CA | Rest of U.S. |
Rent areas: Oxnard-Thousand Oaks-Ventura, CA MSA and Toledo, OH MSA. Metro areas: Oxnard-Thousand Oaks-Ventura, CA and Toledo, OH.
What costs more or less
| Price level (U.S. = 100) | Oxnard | Toledo |
|---|---|---|
| Housing (rent) | 171.1 | 67.3 |
| Goods | 105.2 | 93.6 |
| Utilities | 152.9 | 96.3 |
| Other services | 100.3 | 98.9 |
| Overall | 110.5 | 91.5 |
Moving with the same $100,000 salary
Oxnard, CA → Toledo, OH
Same pay goes further
Buying power +20.9%; rent takes 13% of take-home; state tax −$3,103/yr.
100 Strong offer
Toledo, OH → Oxnard, CA
Same pay buys less
Buying power −17.3%; rent takes 36% of take-home; state tax +$3,103/yr.
20 Weak offer
On the GS pay scale?
Oxnard, CA is in the Los Angeles-Long Beach, CA pay area; Toledo, OH is in Rest of U.S.. The last column shows what a transfer from Oxnard, CA to Toledo, OH at the same grade and step does to real buying power.
| Grade5,2 | Oxnard, CA | Toledo, OH | Real change, Oxnard → Toledo |
|---|---|---|---|
| GS-9 step 1 | $71,957 | $61,722 | +3.7% |
| GS-11 step 1 | $87,061 | $74,678 | +3.7% |
| GS-12 step 1 | $104,349 | $89,508 | +3.7% |
| GS-13 step 1 | $124,085 | $106,437 | +3.7% |
| GS-14 step 1 | $146,632 | $125,776 | +3.7% |
Pay for common jobs
| Median annual pay4 | Oxnard, CA | Toledo, OH | Toledo pay in Oxnard dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $99,420 | $63,250 | $76,445 (−23.1%) |
| Software Developers | $159,430 | $104,360 | $126,131 (−20.9%) |
| Accountants and Auditors | $90,340 | $77,400 | $93,547 (+3.5%) |
| Registered Nurses | $131,160 | $81,050 | $97,958 (−25.3%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.