City comparison
Madison, WI vs Oxnard, CA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Oxnard, CA are 13.6% higher than in Madison, WI. Someone earning $100,000 in Madison, WI would need about $113,600 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 $1,482 in Madison, WI. On $100,000, that's 36% of take-home pay in Oxnard, CA and 24% in Madison, WI.
- On $100,000, estimated state income tax is about $1,151 a year higher in Oxnard, CA than in Madison, WI.
- For federal employees, locality pay changes a GS-13 step 1 salary by +16.6% moving from Madison, WI to Oxnard, CA ($106,437 → $124,085), while prices change by +13.6%. Net effect of the transfer: +2.6% in real buying power.
- Madison, WI: price level 97.3 (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
| Madison, WI | Oxnard, CA | |
|---|---|---|
| Price level (U.S. = 100)2 | 97.3 | 110.5 |
| $100,000 is worth, in the other city2 | $113,616 in Oxnard | $88,015 in Madison |
| Typical 1-bedroom rent3 | $1,482/mo | $2,250/mo |
| Take-home on $100,00014,15,8 | $75,261 | $74,110 |
| State income tax on $100,000 (estimate)8 | $3,919 (WI) | $5,070 (CA) |
| Rent burden on $100,000 | 24% | 36% |
| Median pay, all jobs4 | $58,080 | $52,510 |
| Federal locality pay area7 | Rest of U.S. | Los Angeles-Long Beach, CA |
Rent areas: Madison, WI HUD Metro FMR Area and Oxnard-Thousand Oaks-Ventura, CA MSA. Metro areas: Madison, WI and Oxnard-Thousand Oaks-Ventura, CA.
What costs more or less
| Price level (U.S. = 100) | Madison | Oxnard |
|---|---|---|
| Housing (rent) | 99.7 | 171.1 |
| Goods | 93.8 | 105.2 |
| Utilities | 89.8 | 152.9 |
| Other services | 99.4 | 100.3 |
| Overall | 97.3 | 110.5 |
Moving with the same $100,000 salary
Madison, WI → Oxnard, CA
Same pay buys less
Buying power −12.0%; rent takes 36% of take-home; state tax +$1,151/yr.
20 Weak offer
Oxnard, CA → Madison, WI
Same pay goes further
Buying power +13.6%; rent takes 24% of take-home; state tax −$1,151/yr.
100 Strong offer
On the GS pay scale?
Madison, WI 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 Madison, WI to Oxnard, CA at the same grade and step does to real buying power.
| Grade5,2 | Madison, WI | Oxnard, CA | Real change, Madison → Oxnard |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $71,957 | +2.6% |
| GS-11 step 1 | $74,678 | $87,061 | +2.6% |
| GS-12 step 1 | $89,508 | $104,349 | +2.6% |
| GS-13 step 1 | $106,437 | $124,085 | +2.6% |
| GS-14 step 1 | $125,776 | $146,632 | +2.6% |
Pay for common jobs
| Median annual pay4 | Madison, WI | Oxnard, CA | Oxnard pay in Madison dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $63,690 | $99,420 | $87,505 (+37.4%) |
| Software Developers | $130,630 | $159,430 | $140,323 (+7.4%) |
| Accountants and Auditors | $81,130 | $90,340 | $79,513 (−2.0%) |
| Registered Nurses | $101,190 | $131,160 | $115,441 (+14.1%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.