Oxford, NC—27581
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 $313,000, with a year-over-year change of -0.4%. This indicates that home prices in Oxford, NC are flat. According to Zillow, the 1-year price projection is 1.5%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $313,000 | -0.4% |
| Single Family | $313,000 | 0.0% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $320,000 | 0.3% |
4 Bed | N/A | N/A |
| 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 $3,250, with a year-over-year rent change of 40.1%. Per bedroom, the median rent as of July '25 in Oxford, NC is 3-bedrooms: $3,250. The most common rental property sizes in Oxford, NC are 3-bedroom and 2-bedroom, accounting for 54.8% and 45.2% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $3,250 | $3,250 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $3,250 | $3,250 |
| 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 40. This is a increase of 25.0% 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 12.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $395,000 | 2.0% |
Listing Count | 17 | 86.0% |
| Listings as % of Homes | 0.3% | 86.0% |
Days on Market | 40 | 25.0% |
Demographics — Oxford, NC
As of the latest ACS Survey released in 2023, Oxford, NC has a population of 3,940, which has decreased by -18.4% over the past 5 years. Oxford, NC is a popular place for families, as children make up 26.5% of the population. The area has a poorly educated workforce, with 21.2% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 8.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,940 | -18.4% |
% Under 18 | 26.5% | 90.6% |
% Seniors | 15.2% | 31.0% |
% WFH | 8.3% | 130.6% |
% w/ College Degree | 21.2% | 39.5% |
As of the latest ACS Survey released in 2023, Oxford, NC is a predominantly white area, with 66.6% of the population identifying as white. The white population has grown by 0.3% in the last 5 years. The second most common race or ethnicity in Oxford, NC is black, making up 14.7% of the population. Foreign-born residents account for 5.2% of the population in Oxford, NC, and this percentage has increased by 48.6% 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 | 66.6% | 0.3% |
% Black | 14.7% | -34.4% |
% Hispanic | 13.1% | 89.9% |
% Asian | 0.2% | ∞% |
% Foreign Born | 5.2% | 48.6% |
Mortgage and Risk — Oxford, NC
According to HUD data as of 2023, there were 164 mortgage originations in Oxford, NC, of which 80.0% of loans were conventional mortgages. The average loan-to-value was 56.0%, with 22.0% 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. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 164 |
% Conventional Loans | 80.0% |
% Government Loans | 20.0% |
% Investor Loans | 1.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 13.0% |
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 | 3 |
Total Units Section 8 | 3 |
% Rentals under Section 8 | 1.3% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,140 |
| 2 Bedroom | N/A | N/A | $1,260 |
| 3 Bedroom | -$1,600 | $3,250 | $1,650 |
| 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 | 4.3 |
| Median Home Price | $313,000 |
| Median Household Income | $68,200 |