Oxford, NC—27565
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Oxford, NC
Home Price Trends — Oxford, NC
As of Oct '25, the median home price in Oxford, NC is $248,000, with a year-over-year change of -0.9%. This indicates that home prices in Oxford, NC are flat. According to Zillow, the 1-year price projection is 1.4%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $248,000 | -0.9% |
| Single Family | $248,000 | -0.4% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $185,000 | -2.1% |
3 Bed | $287,000 | -0.3% |
4 Bed | $384,000 | 1.1% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Oxford, NC
As of July '25, Rentcast reports the average rent in Oxford, NC is $1,400, with a year-over-year rent change of 9.4%. Per bedroom, the median rent as of July '25 in Oxford, NC is 1-bedrooms: $1,100, 2-bedrooms: $1,180, 3-bedrooms: $1,920. The most common rental property sizes in Oxford, NC are 2-bedroom and 3-bedroom, accounting for 44.8% and 37.6% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,180 | $1,400 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,100 | $1,100 |
| 2 Bed Rent | $1,100 | $1,180 |
| 3 Bed Rent | $1,800 | $1,920 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Oxford, NC
As of Oct '25, Realtor.com reports that the median days on market for a home in Oxford, NC is 58. This is a increase of 28.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 20.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $339,000 | 2.0% |
Listing Count | 119 | 65.0% |
| Listings as % of Homes | 0.4% | 65.0% |
Days on Market | 58 | 28.0% |
Demographics — Oxford, NC
As of the latest ACS Survey released in 2023, Oxford, NC has a population of 23,700, which has decreased by -6.8% over the past 5 years. Oxford, NC is a moderately popular place for families, as children make up 20.4% of the population. The area has a poorly educated workforce, with 21.3% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 9.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 23,700 | -6.8% |
% Under 18 | 20.4% | 2.0% |
% Seniors | 21.4% | 7.0% |
% WFH | 9.2% | 300.0% |
% w/ College Degree | 21.3% | 12.1% |
As of the latest ACS Survey released in 2023, Oxford, NC is a predominantly white area, with 50.5% of the population identifying as white. The white population has grown by 2.2% in the last 5 years. The second most common race or ethnicity in Oxford, NC is black, making up 39.6% of the population. Foreign-born residents account for 3.3% of the population in Oxford, NC, and this percentage has decreased by 32.7% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 50.5% | 2.2% |
% Black | 39.6% | -2.7% |
% Hispanic | 5.8% | -13.4% |
% Asian | 0.4% | -20.0% |
% Foreign Born | 3.3% | -32.7% |
Mortgage and Risk — Oxford, NC
According to HUD data as of 2023, there were 392 mortgage originations in Oxford, NC, of which 78.0% of loans were conventional mortgages. The average loan-to-value was 61.0%, with 28.0% above 90% LTV (very high). This implies large mortgage risk in Oxford, NC. Investor activity is low, as 1.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 392 |
% Conventional Loans | 78.0% |
% Government Loans | 22.0% |
% Investor Loans | 1.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 12.0% |
Loan Activity
Rentals and Section 8 — Oxford, NC
Oxford, NC lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 457 |
Total Units Section 8 | 180 |
% Rentals under Section 8 | 6.6% |
% Occupied Section 8 | 79.2% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $30 | $1,100 | $1,130 |
| 2 Bedroom | $160 | $1,100 | $1,260 |
| 3 Bedroom | -$160 | $1,800 | $1,640 |
| 4 Bedroom | N/A | N/A | $1,780 |
Affordability — Oxford, NC
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.7 |
| Median Home Price | $248,000 |
| Median Household Income | $59,400 |