Oxford, MA—01540
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Oxford, MA
Home Price Trends — Oxford, MA
As of Oct '25, the median home price in Oxford, MA is $420,000, with a year-over-year change of 1.3%. This indicates that home prices in Oxford, MA are increasing. According to Zillow, the 1-year price projection is 2.5%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $420,000 | 1.3% |
| Single Family | $434,000 | 1.4% |
| Condos | $301,000 | 2.4% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $353,000 | 1.4% |
3 Bed | $432,000 | 1.2% |
4 Bed | $518,000 | 2.4% |
| 5 Bed | $514,000 | 2.2% |
% of Housing Stock
Rental Trends — Oxford, MA
As of July '25, Rentcast reports the average rent in Oxford, MA is $1,820, with a year-over-year rent change of -3.7%. Per bedroom, the median rent as of July '25 in Oxford, MA is studios: $1,650, 1-bedrooms: $1,530, 2-bedrooms: $2,090. The most common rental property sizes in Oxford, MA are 2-bedroom and 1-bedroom, accounting for 49.2% and 27.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,850 | $1,820 |
| Studio Rent | $1,650 | $1,650 |
| 1 Bed Rent | $1,850 | $1,530 |
| 2 Bed Rent | $1,950 | $2,090 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Oxford, MA
As of Oct '25, Realtor.com reports that the median days on market for a home in Oxford, MA is 31. This is a decrease of -51.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 100.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $456,000 | -18.0% |
Listing Count | 12 | 0.0% |
| Listings as % of Homes | 0.3% | 0.0% |
Days on Market | 31 | -51.0% |
Demographics — Oxford, MA
As of the latest ACS Survey released in 2023, Oxford, MA has a population of 11,500, which has remained stable by 0.3% over the past 5 years. Oxford, MA is a moderately popular place for families, as children make up 20.0% of the population. The area has a moderately educated workforce, with 26.8% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 14.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 11,500 | 0.3% |
% Under 18 | 20.0% | -13.4% |
% Seniors | 15.3% | 10.1% |
% WFH | 14.0% | 900.0% |
% w/ College Degree | 26.8% | -1.8% |
As of the latest ACS Survey released in 2023, Oxford, MA is a predominantly white area, with 89.9% of the population identifying as white. The white population has grown by 0.8% in the last 5 years. The second most common race or ethnicity in Oxford, MA is hispanic, making up 6.3% of the population. Foreign-born residents account for 6.1% of the population in Oxford, MA, and this percentage has increased by 10.9% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 89.9% | 0.8% |
% Black | 0.5% | -68.8% |
% Hispanic | 6.3% | 34.0% |
% Asian | 0.9% | -59.1% |
% Foreign Born | 6.1% | 10.9% |
Mortgage and Risk — Oxford, MA
According to HUD data as of 2023, there were 268 mortgage originations in Oxford, MA, of which 79.0% of loans were conventional mortgages. The average loan-to-value was 55.0%, with 20.0% above 90% LTV (very high). This implies large mortgage risk in Oxford, MA. Investor activity is low, as 1.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 268 |
% Conventional Loans | 79.0% |
% Government Loans | 21.0% |
% Investor Loans | 1.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Oxford, MA
Oxford, MA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 217 |
Total Units Section 8 | 217 |
% Rentals under Section 8 | 31.5% |
% Occupied Section 8 | 89.6% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$680 | $1,850 | $1,170 |
| 2 Bedroom | -$440 | $1,950 | $1,510 |
| 3 Bedroom | N/A | N/A | $1,840 |
| 4 Bedroom | N/A | N/A | $2,030 |
Affordability — Oxford, MA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3 |
| Median Home Price | $420,000 |
| Median Household Income | $118,000 |