Oxnard, CA home prices
Typical home $869,803 · +1.1% in a year · income needed $240,300
The Oxnard, CA metro area ranks 19 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +1.1% in a year and +15.4% over five years. With 20% down at 7.11%, the typical home costs about $5,607 a month including 0.68% property tax (Ventura County rate).
Mortgage on the typical Oxnard home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $173,961 | $695,843 | $4,681 | $0 | $926 | $5,607 | $240,300 |
| 10% down | $86,980 | $782,823 | $5,266 | $326 | $926 | $6,518 | $279,400 |
| 5% down | $43,490 | $826,313 | $5,559 | $344 | $926 | $6,829 | $292,700 |
| 3.5% down (FHA) | $30,443 | $854,049 | $5,745 | $385 | $926 | $7,056 | $302,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.68% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Oxnard area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Ventura County, CA | $869,794 | +1.1% | 0.68% |
What can you afford in California on your salary? · California home prices · Salaries in California
Frequently asked questions
How much is a house in Oxnard?
The typical home in the Oxnard, CA metro area is worth $869,803 (Zillow, September 2026).
What salary do you need to buy a house in Oxnard?
About $240,300 a year for the typical home with 20% down at 7.11%.