Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$869,803+1.1% YoY · prices are rising
Market right nowBalanced, leaning buyersMore homes for sale than last year, 20% have cut their price
Income needed to buy, per year$188,555About 1.7× the local median income ($112,872): hard to afford
Days on market59 daysAbout the same pace as a year ago
Next 12 months0.0%Zillow expects prices to stay about flat
The typical home in Oxnard-Thousand Oaks-Ventura, CA is worth $869,803, up 1.1% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $842,938, so the area is 3.2% overvalued. It is a balanced market, leaning toward buyers: homes take about 59 days to sell, listings are up 15% from a year ago, 20% of listings have had a price cut. Zillow expects prices to fall about 0.0% over the next year. A household needs about $188,555 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $112,872. Typical rent is $2,955 a month, or $4,070 for a house. In the latest IRS figures, 3,961 more people moved out than in.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$869,803
Change in 1 year
+1.1%
Overvalued %
+3.2%
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Fair home value
$842,938
Change in 5 years
+15.4%
Zillow forecast, next 12 months
0.0%
Home value to income
7.7×
Monthly mortgage payment (20% down)
$4,714
Income needed to afford it
$188,555
Property tax rate
0.68%
Rent and investing
Typical rent
$2,955
Typical rent for houses
$4,070
Price-to-rent ratio
24.5×
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HUD Fair Market Rent, 2 bedrooms
$2,424
Gross rental yield
4.08%
Cap rate (estimate)
2.65%
Market activity
Listings vs a year ago
+14.8%
Days on market
59
Listings with a price cut
19.9%
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Homes for sale
1,577
Pending sales per 100 listings
36
Asking price per sq ft
$526
People and jobs
Median household income
$112,872
Population change (1 year)
−0.3%
Unemployment rate
5.7%
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Population
830,851
Income adjusted for cost of living
$102,147
Net moves in (IRS)
−3,961
Cost of living (US = 100)
110.5
Schools, risk and environment
School rating (1 to 10)
5.5
FEMA hazard risk score (0 to 100)
99.4
Unhealthy air days a year
8
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Flood risk score
99.3
Wildfire risk score
99.8
Walkability (1 to 20)
12.0
Road, rail and air noise
54 dB
Questions people ask
Is Oxnard-Thousand Oaks-Ventura, CA overvalued?
Home prices in Oxnard-Thousand Oaks-Ventura, CA are slightly above what local incomes have historically supported: fair value is about $842,938, so the area is 3.2% overvalued.
Is Oxnard-Thousand Oaks-Ventura, CA a buyer's or seller's market?
Oxnard-Thousand Oaks-Ventura, CA is a balanced market, leaning toward buyers: homes take about 59 days to sell, listings are up 15% from a year ago, 20% of listings have had a price cut.
Are home prices going down in Oxnard-Thousand Oaks-Ventura, CA?
Home values in Oxnard-Thousand Oaks-Ventura, CA are up 1.1% over the last year. Zillow's forecast for the next 12 months is 0.0%.
How much do you need to earn to buy a home in Oxnard-Thousand Oaks-Ventura, CA?
A household needs about $188,555 a year to afford the typical home in Oxnard-Thousand Oaks-Ventura, CA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $112,872.