Elgin IL vs Oceanside CA — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Elgin, IL
Illinois · Population: 114,106
- Median HH Income$88,316
- Median Home Price$333,920
- Unemployment6.3%
- Bachelor's+26.0%
Oceanside, CA
California · Population: 172,542
- Median HH Income$93,724
- Median Home Price$877,452
- Unemployment5.4%
- Bachelor's+34.3%
Detailed Comparison
Demographics
Population
Elgin
114,106
Oceanside
172,542
Oceanside +
Pop. Density / sq mi
Lower = more space
Elgin
N/A
Oceanside
N/A
Median Age
Elgin
36.3
Elgin +
Oceanside
38.1
Foreign Born
Elgin
26.5%
Elgin +
Oceanside
20.9%
White
Elgin
45.4%
Oceanside
52.9%
Oceanside +
Black
Elgin
5.2%
Elgin +
Oceanside
4.2%
Asian
Elgin
6.0%
Oceanside
7.4%
Oceanside +
Hispanic
Elgin
48.4%
Elgin +
Oceanside
38.5%
Spanish at Home
Elgin
N/A
Oceanside
N/A
| Metric | Elgin, IL | Oceanside, CA | Better |
|---|---|---|---|
| Population | 114,106 | 172,542 | Oceanside + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 36.3 | 38.1 | Elgin + |
| Foreign Born | 26.5% | 20.9% | Elgin + |
| White | 45.4% | 52.9% | Oceanside + |
| Black | 5.2% | 4.2% | Elgin + |
| Asian | 6.0% | 7.4% | Oceanside + |
| Hispanic | 48.4% | 38.5% | Elgin + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Elgin
$88,316
Oceanside
$93,724
Oceanside +
Per Capita Income
Elgin
$36,037
Oceanside
$43,094
Oceanside +
Per Capita Personal Income (MSA)
BEA MSA-level
Elgin
$68,110
Oceanside
$77,230
Oceanside +
Unemployment Rate
Elgin
6.3%
Oceanside
5.4%
Oceanside +
Poverty Rate
Elgin
10.4%
Oceanside
8.1%
Oceanside +
Bachelor's Degree+
Elgin
26.0%
Oceanside
34.3%
Oceanside +
| Metric | Elgin, IL | Oceanside, CA | Better |
|---|---|---|---|
| Median HH Income | $88,316 | $93,724 | Oceanside + |
| Per Capita Income | $36,037 | $43,094 | Oceanside + |
| Per Capita Personal Income (MSA)BEA MSA-level | $68,110 | $77,230 | Oceanside + |
| Unemployment Rate | 6.3% | 5.4% | Oceanside + |
| Poverty Rate | 10.4% | 8.1% | Oceanside + |
| Bachelor's Degree+ | 26.0% | 34.3% | Oceanside + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Elgin
$333,920
Elgin +
Oceanside
$877,452
Homeownership Rate
Elgin
71.5%
Elgin +
Oceanside
58.5%
| Metric | Elgin, IL | Oceanside, CA | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $333,920 | $877,452 | Elgin + |
| Homeownership Rate | 71.5% | 58.5% | Elgin + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Elgin
344
Elgin +
Oceanside
503
Property Crime / 100K
FBI CDE (state-level est.)
Elgin
1842
Elgin +
Oceanside
2388
| Metric | Elgin, IL | Oceanside, CA | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 344 | 503 | Elgin + |
| Property Crime / 100KFBI CDE (state-level est.) | 1842 | 2388 | Elgin + |
Health
Obesity Rate
CDC PLACES
Elgin
35.8%
Oceanside
26.1%
Oceanside +
Diabetes Rate
CDC PLACES
Elgin
12.1%
Oceanside
10.4%
Oceanside +
Poor Mental Health
CDC PLACES — 14+ days/month
Elgin
16.0%
Elgin +
Oceanside
16.9%
No Health Insurance
CDC PLACES
Elgin
16.8%
Oceanside
9.7%
Oceanside +
Binge Drinking
CDC PLACES
Elgin
18.1%
Oceanside
16.5%
Oceanside +
Current Smokers
CDC PLACES
Elgin
12.2%
Oceanside
10.6%
Oceanside +
| Metric | Elgin, IL | Oceanside, CA | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 35.8% | 26.1% | Oceanside + |
| Diabetes RateCDC PLACES | 12.1% | 10.4% | Oceanside + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 16.0% | 16.9% | Elgin + |
| No Health InsuranceCDC PLACES | 16.8% | 9.7% | Oceanside + |
| Binge DrinkingCDC PLACES | 18.1% | 16.5% | Oceanside + |
| Current SmokersCDC PLACES | 12.2% | 10.6% | Oceanside + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Elgin
48.7°F
Elgin +
Oceanside
55.3°F
Annual Precipitation
NOAA 1991–2020 normal
Elgin
37.8 in
Oceanside
20.7 in
Oceanside +
| Metric | Elgin, IL | Oceanside, CA | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 48.7°F | 55.3°F | Elgin + |
| Annual PrecipitationNOAA 1991–2020 normal | 37.8 in | 20.7 in | Oceanside + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Elgin
9.4 µg/m³
Oceanside
7.9 µg/m³
Oceanside +
Good Air Days
AQI ≤ 50
Elgin
55.0%
Oceanside
75.0%
Oceanside +
| Metric | Elgin, IL | Oceanside, CA | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 9.4 µg/m³ | 7.9 µg/m³ | Oceanside + |
| Good Air DaysAQI ≤ 50 | 55.0% | 75.0% | Oceanside + |
Commute
Mean Commute Time
Census ACS
Elgin
30.4 min
Elgin +
Oceanside
31.8 min
| Metric | Elgin, IL | Oceanside, CA | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 30.4 min | 31.8 min | Elgin + |
Which City is Right for You?
Oceanside leads in median household income at $93,724, while elgin offers more affordable housing with a median home price of $333,920. On public safety, Elgin is safer with a violent crime rate of 344 per 100,000 residents, compared to 503 in Oceanside. Oceanside has a lower unemployment rate at 5.4%, and Oceanside has cleaner air (PM2.5 avg 7.9 µg/m³). For overall health outcomes, Oceanside scores better with a lower obesity rate of 26.1%.
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