Loan Officer Salary in Oxnard, CA
Loan Officers in the Oxnard-Thousand Oaks-Ventura, CA metro area earn a median $64,470 a year — 16% less than the national median. After 2026 taxes, that is $51,198 take-home, or $4,267 a month.
Take-home pay calculator
Pre-filled with the median loan officer salary in Oxnard, CA. Enter your own offer to see your paycheck.
- Federal income tax$5,556
- Social Security (6.2%)$3,997
- Medicare (1.45%)$935
- California income tax$1,945
- CA State Disability Insurance (SDI)$838
- Take-home pay$51,198
Marginal rate: 12% federal + 8.00% state
Loan Officer pay by experience in Oxnard, CA
| Percentile | Salary | Hourly | Take-home / yr | Per month |
|---|---|---|---|---|
| 10th percentile (entry level) | $34,320 | $16.50 | $28,948 | $2,412 |
| 25th percentile | $34,960 | $16.81 | $29,428 | $2,452 |
| Median (50th) | $64,470 | $31.00 | $51,198 | $4,267 |
| 75th percentile | $94,550 | $45.46 | $69,553 | $5,796 |
| 90th percentile (top earners) | $130,290 | $62.64 | $90,738 | $7,562 |
Wages: BLS Occupational Employment and Wage Statistics, May 2025. Take-home: single filer, California resident, 2026 tax rules.
What $64,470 buys in Oxnard, CA
Prices in Oxnard, CA are 10.5% higher than the U.S. average (housing costs are 1.71× the national average). Adjusted for local prices, a median loan officer's $51,198 take-home pay has the buying power of $46,319 in a typical American city.
Rents: HUD Fair Market Rents, FY2026 (40th-percentile gross rent incl. utilities). Price levels: BEA Regional Price Parities, 2024.
Oxnard, CA has 1.8× the national concentration of loan officer jobs — a strong local market for this occupation.
Best-paying cities for loan officers, adjusted for cost of living
Oxnard, CA ranks #85 of 86 metro areas once taxes and local prices are taken into account.
| # | Metro area | Median salary | Take-home | Real value* |
|---|---|---|---|---|
| 1 | Des Moines, IA | $101,190 | $76,824 | $83,776 |
| 2 | Wichita, KS | $99,170 | $73,862 | $83,042 |
| 3 | Sioux Falls, SD | $81,380 | $66,081 | $72,912 |
| 4 | Bridgeport, CT | $103,850 | $77,752 | $72,758 |
| 5 | Minneapolis, MN | $102,200 | $75,301 | $71,837 |
| 6 | Denver, CO | $100,130 | $75,574 | $71,443 |
| 7 | Fayetteville, AR | $84,200 | $64,994 | $71,146 |
| 8 | Columbia, MO | $81,850 | $63,502 | $71,001 |
| 85 | Oxnard, CA | $64,470 | $51,198 | $46,319 |
*Take-home pay divided by the BEA price level, so every city is measured in U.S.-average dollars. See all 86 metros →
Loan Officer salaries elsewhere in California
- San Francisco, CA — $103,000
- San Jose, CA — $95,090
- Fresno, CA — $78,060
- Sacramento, CA — $79,190
- Riverside, CA — $78,710
- San Diego, CA — $81,770
- Los Angeles, CA — $80,360
Frequently asked questions
How much does a loan officer make in Oxnard, CA?
The median loan officer salary in the Oxnard-Thousand Oaks-Ventura, CA metro area is $64,470 a year, or about $31.00 an hour, according to the Bureau of Labor Statistics (May 2025). The middle half earn between $34,960 and $94,550.
What is a loan officer’s take-home pay in Oxnard, CA?
On the median $64,470 salary, a single filer living in California takes home about $51,198 a year ($4,267 a month) after federal tax, Social Security, Medicare and $2,784 in California taxes in 2026.
Is Oxnard, CA a good place to work as a loan officer?
Pay here is 16% below the national median of $76,690. Local prices are 10.5% above the U.S. average, so the take-home pay buys what $46,319 would in a typical U.S. city. Oxnard, CA ranks #85 of 86 metro areas for cost-of-living-adjusted pay in this job.
Can a loan officer afford rent in Oxnard, CA?
HUD’s fair market rent for a one-bedroom in Oxnard, CA is $2,250 a month ($2,693 for two bedrooms) — 53% of a median loan officer’s monthly take-home pay. Financial planners usually suggest keeping rent under about 30%.
Related jobs in Oxnard, CA
- Logistician — $108,340
- Project Management Specialist — $104,990
- Management Analyst — $102,570
- Compliance Officer — $92,690
- Accountant and Auditor — $90,340
- Business Operations Specialists, All Other — $87,340
- Human Resources Specialist — $80,560
- Market Research Analyst and Marketing Specialist — $80,100
- Buyer and Purchasing Agent — $79,390
- Training and Development Specialist — $60,100