McKinney TX 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)
McKinney, TX
Texas · Population: 148,848
- Median HH Income$71,843
- Median Home Price$487,346
- Unemployment4.8%
- Bachelor's+18.5%
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
McKinney
148,848
Oxnard
201,014
Oxnard +
Pop. Density / sq mi
Lower = more space
McKinney
N/A
Oxnard
N/A
Median Age
McKinney
33.4
McKinney +
Oxnard
34.0
Foreign Born
McKinney
21.0%
Oxnard
33.8%
Oxnard +
White
McKinney
37.8%
McKinney +
Oxnard
36.9%
Black
McKinney
24.7%
McKinney +
Oxnard
1.8%
Asian
McKinney
3.0%
Oxnard
6.6%
Oxnard +
Hispanic
McKinney
44.7%
Oxnard
77.0%
Oxnard +
Spanish at Home
McKinney
N/A
Oxnard
N/A
| Metric | McKinney, TX | Oxnard, CA | Better |
|---|---|---|---|
| Population | 148,848 | 201,014 | Oxnard + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 33.4 | 34.0 | McKinney + |
| Foreign Born | 21.0% | 33.8% | Oxnard + |
| White | 37.8% | 36.9% | McKinney + |
| Black | 24.7% | 1.8% | McKinney + |
| Asian | 3.0% | 6.6% | Oxnard + |
| Hispanic | 44.7% | 77.0% | Oxnard + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
McKinney
$71,843
Oxnard
$93,372
Oxnard +
Per Capita Income
McKinney
$29,291
Oxnard
$30,413
Oxnard +
Per Capita Personal Income (MSA)
BEA MSA-level
McKinney
$63,758
Oxnard
$77,230
Oxnard +
Unemployment Rate
McKinney
4.8%
McKinney +
Oxnard
6.6%
Poverty Rate
McKinney
12.4%
Oxnard
10.8%
Oxnard +
Bachelor's Degree+
McKinney
18.5%
Oxnard
19.6%
Oxnard +
| Metric | McKinney, TX | Oxnard, CA | Better |
|---|---|---|---|
| Median HH Income | $71,843 | $93,372 | Oxnard + |
| Per Capita Income | $29,291 | $30,413 | Oxnard + |
| Per Capita Personal Income (MSA)BEA MSA-level | $63,758 | $77,230 | Oxnard + |
| Unemployment Rate | 4.8% | 6.6% | McKinney + |
| Poverty Rate | 12.4% | 10.8% | Oxnard + |
| Bachelor's Degree+ | 18.5% | 19.6% | Oxnard + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
McKinney
$487,346
McKinney +
Oxnard
$765,773
Homeownership Rate
McKinney
63.2%
McKinney +
Oxnard
53.9%
| Metric | McKinney, TX | Oxnard, CA | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $487,346 | $765,773 | McKinney + |
| Homeownership Rate | 63.2% | 53.9% | McKinney + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
McKinney
442
McKinney +
Oxnard
503
Property Crime / 100K
FBI CDE (state-level est.)
McKinney
2339
McKinney +
Oxnard
2388
| Metric | McKinney, TX | Oxnard, CA | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 442 | 503 | McKinney + |
| Property Crime / 100KFBI CDE (state-level est.) | 2339 | 2388 | McKinney + |
Health
Obesity Rate
CDC PLACES
McKinney
33.9%
Oxnard
28.4%
Oxnard +
Diabetes Rate
CDC PLACES
McKinney
9.1%
McKinney +
Oxnard
12.8%
Poor Mental Health
CDC PLACES — 14+ days/month
McKinney
15.7%
McKinney +
Oxnard
17.9%
No Health Insurance
CDC PLACES
McKinney
10.9%
McKinney +
Oxnard
19.2%
Binge Drinking
CDC PLACES
McKinney
18.3%
Oxnard
15.6%
Oxnard +
Current Smokers
CDC PLACES
McKinney
9.9%
McKinney +
Oxnard
12.0%
| Metric | McKinney, TX | Oxnard, CA | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 33.9% | 28.4% | Oxnard + |
| Diabetes RateCDC PLACES | 9.1% | 12.8% | McKinney + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 15.7% | 17.9% | McKinney + |
| No Health InsuranceCDC PLACES | 10.9% | 19.2% | McKinney + |
| Binge DrinkingCDC PLACES | 18.3% | 15.6% | Oxnard + |
| Current SmokersCDC PLACES | 9.9% | 12.0% | McKinney + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
McKinney
64.2°F
Oxnard
61.2°F
Oxnard +
Annual Precipitation
NOAA 1991–2020 normal
McKinney
40.0 in
Oxnard
15.3 in
Oxnard +
| Metric | McKinney, TX | Oxnard, CA | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 64.2°F | 61.2°F | Oxnard + |
| Annual PrecipitationNOAA 1991–2020 normal | 40.0 in | 15.3 in | Oxnard + |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
McKinney
9.2 µg/m³
Oxnard
7.9 µg/m³
Oxnard +
Good Air Days
AQI ≤ 50
McKinney
55.0%
Oxnard
75.0%
Oxnard +
| Metric | McKinney, TX | Oxnard, CA | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 9.2 µg/m³ | 7.9 µg/m³ | Oxnard + |
| Good Air DaysAQI ≤ 50 | 55.0% | 75.0% | Oxnard + |
Commute
Mean Commute Time
Census ACS
McKinney
35.6 min
Oxnard
27.1 min
Oxnard +
| Metric | McKinney, TX | Oxnard, CA | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 35.6 min | 27.1 min | Oxnard + |
Which City is Right for You?
Oxnard leads in median household income at $93,372, while mcKinney offers more affordable housing with a median home price of $487,346. On public safety, McKinney is safer with a violent crime rate of 442 per 100,000 residents, compared to 503 in Oxnard. McKinney has a lower unemployment rate at 4.8%, and Oxnard has cleaner air (PM2.5 avg 7.9 µg/m³). For overall health outcomes, Oxnard scores better with a lower obesity rate of 28.4%.
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