Riverpark
$700K – $1.1M2000s master-planned — townhomes, SFR, The Collection retail on the doorstep.
OxnardUnder $700K
Oxnard Homes Under $700,000
What you can buy in Oxnard for under $700,000 — neighborhoods, condition, and what to expect from the entry-level Oxnard market.
Under $700K in Oxnard
Under $700K in Oxnard is the most active price band in central Ventura County. Total monthly inventory typically runs 30-60 listings — meaningfully deeper than Camarillo or Ventura at the same price point. The buyers who win here move fast on well-priced inventory and accept that the work-to-do varies block by block.
First-time buyers, VA-eligible buyers, and investor-owner-occupants make up the bulk of activity. FHA and 5% conventional both work; 0%-down VA loans are extremely common given the proximity to Naval Base Ventura County.
What your budget buys
What you get at this price
An older 3-bed/2-bath single-family in Rose Park, Oxnard Plain, or the south-side neighborhoods. A 2-3 bed condo or townhome in Riverpark, central Oxnard, or near downtown. An original-condition cottage in older Hollywood Beach pockets if you can move quickly when something lands.
Who this fits
Best for
- First-time buyers using FHA, VA, or 5% down conventional financing
- Active-duty and veteran buyers using VA financing
- Owner-occupants comfortable with cosmetic to moderate updating
- Investors looking for buy-and-hold rentals where rents support the mortgage
Where to look
Oxnard neighborhoods in this range
Heritage Square / Downtown
$550K – $850KHistoric, some restoration in progress. Metrolink station here.
Rose Park / Oxnard Plain
$550K – $800KOlder SFR, bigger lots, mixed renovation state. Entry-level ownership.
Before you write an offer
Watch-outs
- Many homes in this band have deferred maintenance — budget $20-80K of immediate work on top of purchase.
- Foundation, electrical, and roofing inspection items are most common; older south-side neighborhoods often need sewer line replacement.
- Multi-offer is common on the cleanest listings under $650K — be ready to write same-day with strong terms.
Live inventory
See what’s on the market right now
This search is pre-filtered to Oxnard at Under $700K and updates straight from the MLS.
Browse listingsGood to know
Under $700K in Oxnard — common questions
Can I really buy a house in Oxnard for under $600K?
Yes — though inventory is thin. Older single-family homes in Rose Park, Oxnard Plain, and parts of the south-side regularly transact in the $500-600K range, typically 1,000-1,500 sqft, 2-3 bed, with deferred maintenance. Expect to compete against contractor-investors on the best examples.
Will VA loans work in Oxnard at this price?
Yes, and they're heavily used here given proximity to Naval Base Ventura County. The 2026 VA loan limit in Ventura County effectively functions as no-limit for fully entitled veterans. Sellers in Oxnard are accustomed to VA financing and most accept VA offers without issue, though clean inspection prep helps.
What's the catch with sub-$700K Oxnard homes?
Two things: (1) older housing stock means inspection items add up — budget for them, and (2) block-level variation matters more here than elsewhere in the county. The same $650K can buy two very different houses on adjacent streets. Walk the block at the times of day you'd actually be there before you write.
Change the budget
Other price ranges
Last reviewed 2026-05-04.
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Property listings open on the Walters Group Real Estate search site. Listing data is provided by the applicable MLS and is deemed reliable but not guaranteed.
Jason Walters, REALTOR®. California DRE #01467130. Walters Group Real Estate, eXp Realty of California, Inc., DRE #01878277.