Billings MT vs Oxnard CA — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Billings, MT
Montana · Population: 118,321
- Median HH Income$71,855
- Median Home Price$398,212
- Unemployment3.5%
- Bachelor's+37.0%
Oxnard, CA
California · Population: 201,014
- Median HH Income$93,372
- Median Home Price$765,773
- Unemployment6.6%
- Bachelor's+19.6%
Detailed Comparison
Demographics
Population
Billings
118,321
Oxnard
201,014
Oxnard +
Pop. Density / sq mi
Lower = more space
Billings
N/A
Oxnard
N/A
Median Age
Billings
38.1
Oxnard
34.0
Oxnard +
Foreign Born
Billings
2.0%
Oxnard
33.8%
Oxnard +
White
Billings
86.3%
Billings +
Oxnard
36.9%
Black
Billings
1.0%
Oxnard
1.8%
Oxnard +
Asian
Billings
0.9%
Oxnard
6.6%
Oxnard +
Hispanic
Billings
7.2%
Oxnard
77.0%
Oxnard +
Spanish at Home
Billings
N/A
Oxnard
N/A
| Metric | Billings, MT | Oxnard, CA | Better |
|---|---|---|---|
| Population | 118,321 | 201,014 | Oxnard + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 38.1 | 34.0 | Oxnard + |
| Foreign Born | 2.0% | 33.8% | Oxnard + |
| White | 86.3% | 36.9% | Billings + |
| Black | 1.0% | 1.8% | Oxnard + |
| Asian | 0.9% | 6.6% | Oxnard + |
| Hispanic | 7.2% | 77.0% | Oxnard + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Billings
$71,855
Oxnard
$93,372
Oxnard +
Per Capita Income
Billings
$42,639
Billings +
Oxnard
$30,413
Per Capita Personal Income (MSA)
BEA MSA-level
Billings
$62,117
Oxnard
$77,230
Oxnard +
Unemployment Rate
Billings
3.5%
Billings +
Oxnard
6.6%
Poverty Rate
Billings
10.6%
Billings +
Oxnard
10.8%
Bachelor's Degree+
Billings
37.0%
Billings +
Oxnard
19.6%
| Metric | Billings, MT | Oxnard, CA | Better |
|---|---|---|---|
| Median HH Income | $71,855 | $93,372 | Oxnard + |
| Per Capita Income | $42,639 | $30,413 | Billings + |
| Per Capita Personal Income (MSA)BEA MSA-level | $62,117 | $77,230 | Oxnard + |
| Unemployment Rate | 3.5% | 6.6% | Billings + |
| Poverty Rate | 10.6% | 10.8% | Billings + |
| Bachelor's Degree+ | 37.0% | 19.6% | Billings + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Billings
$398,212
Billings +
Oxnard
$765,773
Homeownership Rate
Billings
64.8%
Billings +
Oxnard
53.9%
| Metric | Billings, MT | Oxnard, CA | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $398,212 | $765,773 | Billings + |
| Homeownership Rate | 64.8% | 53.9% | Billings + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Billings
433
Billings +
Oxnard
503
Property Crime / 100K
FBI CDE (state-level est.)
Billings
1984
Billings +
Oxnard
2388
| Metric | Billings, MT | Oxnard, CA | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 433 | 503 | Billings + |
| Property Crime / 100KFBI CDE (state-level est.) | 1984 | 2388 | Billings + |
Health
Obesity Rate
CDC PLACES
Billings
33.9%
Oxnard
28.4%
Oxnard +
Diabetes Rate
CDC PLACES
Billings
9.5%
Billings +
Oxnard
12.8%
Poor Mental Health
CDC PLACES — 14+ days/month
Billings
18.0%
Oxnard
17.9%
Oxnard +
No Health Insurance
CDC PLACES
Billings
9.4%
Billings +
Oxnard
19.2%
Binge Drinking
CDC PLACES
Billings
20.0%
Oxnard
15.6%
Oxnard +
Current Smokers
CDC PLACES
Billings
14.1%
Oxnard
12.0%
Oxnard +
| Metric | Billings, MT | Oxnard, CA | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 33.9% | 28.4% | Oxnard + |
| Diabetes RateCDC PLACES | 9.5% | 12.8% | Billings + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 18.0% | 17.9% | Oxnard + |
| No Health InsuranceCDC PLACES | 9.4% | 19.2% | Billings + |
| Binge DrinkingCDC PLACES | 20.0% | 15.6% | Oxnard + |
| Current SmokersCDC PLACES | 14.1% | 12.0% | Oxnard + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Billings
47.7°F
Billings +
Oxnard
61.2°F
Annual Precipitation
NOAA 1991–2020 normal
Billings
14.8 in
Billings +
Oxnard
15.3 in
| Metric | Billings, MT | Oxnard, CA | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 47.7°F | 61.2°F | Billings + |
| Annual PrecipitationNOAA 1991–2020 normal | 14.8 in | 15.3 in | Billings + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Billings
7.4 µg/m³
Billings +
Oxnard
7.9 µg/m³
Good Air Days
AQI ≤ 50
Billings
75.0%
Oxnard
75.0%
Tie
| Metric | Billings, MT | Oxnard, CA | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 7.4 µg/m³ | 7.9 µg/m³ | Billings + |
| Good Air DaysAQI ≤ 50 | 75.0% | 75.0% | Tie |
Commute
Mean Commute Time
Census ACS
Billings
18.0 min
Billings +
Oxnard
27.1 min
| Metric | Billings, MT | Oxnard, CA | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 18.0 min | 27.1 min | Billings + |
Which City is Right for You?
Oxnard leads in median household income at $93,372, while billings offers more affordable housing with a median home price of $398,212. On public safety, Billings is safer with a violent crime rate of 433 per 100,000 residents, compared to 503 in Oxnard. Billings has a lower unemployment rate at 3.5%, and Billings has cleaner air (PM2.5 avg 7.4 µg/m³). For overall health outcomes, Oxnard scores better with a lower obesity rate of 28.4%.
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