Oxford, AL—36203
Real Estate Data & Market Trends
Key Metrics at a Glance
Other Zip Codes in Oxford, AL
Home Price Trends — Oxford, AL
As of Oct '25, the median home price in Oxford, AL is $198,000, with a year-over-year change of 1.9%. This indicates that home prices in Oxford, AL are increasing. According to Zillow, the 1-year price projection is -0.6%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $198,000 | 1.9% |
| Single Family | $198,000 | 2.1% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $146,000 | 2.8% |
3 Bed | $205,000 | 3.5% |
4 Bed | $318,000 | 3.2% |
| 5 Bed | $437,000 | 3.8% |
% of Housing Stock
Rental Trends — Oxford, AL
As of July '25, Rentcast reports the average rent in Oxford, AL is $1,210, with a year-over-year rent change of 19.8%. Per bedroom, the median rent as of July '25 in Oxford, AL is 1-bedrooms: $750, 2-bedrooms: $1,000, 3-bedrooms: $1,410, 4-bedrooms: $1,710. The most common rental property sizes in Oxford, AL are 2-bedroom and 3-bedroom, accounting for 45.8% and 34.3% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,200 | $1,210 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $750 | $750 |
| 2 Bed Rent | $925 | $1,000 |
| 3 Bed Rent | $1,400 | $1,410 |
| 4 Bed Rent | $1,700 | $1,710 |
% of Rental Stock
Property Listings — Oxford, AL
As of Oct '25, Realtor.com reports that the median days on market for a home in Oxford, AL is 50. This is a decrease of -8.0% 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 23.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $247,000 | -1.0% |
Listing Count | 71 | -28.0% |
| Listings as % of Homes | 0.5% | -28.0% |
Days on Market | 50 | -8.0% |
Demographics — Oxford, AL
As of the latest ACS Survey released in 2023, Oxford, AL has a population of 18,800, which has increased by 4.2% over the past 5 years. Oxford, AL is a moderately popular place for families, as children make up 24.1% of the population. The area has a moderately educated workforce, with 25.5% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 3.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 18,800 | 4.2% |
% Under 18 | 24.1% | 3.4% |
% Seniors | 15.3% | -1.3% |
% WFH | 3.0% | 57.9% |
% w/ College Degree | 25.5% | 16.4% |
As of the latest ACS Survey released in 2023, Oxford, AL is a predominantly white area, with 72.5% of the population identifying as white. The white population has grown by 6.3% in the last 5 years. The second most common race or ethnicity in Oxford, AL is black, making up 17.0% of the population. Foreign-born residents account for 4.3% of the population in Oxford, AL, and this percentage has decreased by 46.9% 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 | 72.5% | 6.3% |
% Black | 17.0% | 3.0% |
% Hispanic | 7.2% | -34.5% |
% Asian | 1.3% | -38.1% |
% Foreign Born | 4.3% | -46.9% |
Mortgage and Risk — Oxford, AL
According to HUD data as of 2023, there were 331 mortgage originations in Oxford, AL, of which 61.0% of loans were conventional mortgages. The average loan-to-value was 72.0%, with 39.0% above 90% LTV (very high). This implies large mortgage risk in Oxford, AL. Investor activity is low, as 6.0% of loans were by investors. 17.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 331 |
% Conventional Loans | 61.0% |
% Government Loans | 39.0% |
% Investor Loans | 6.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 17.0% |
Loan Activity
Rentals and Section 8 — Oxford, AL
As of 2024, the percent of homes in Oxford, AL under the Section 8 program is 8.7%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom and 2-bedroom and 3-bedroom units appear to be good home sizes to consider for Section 8 housing in Oxford, AL, because HUD payments exceed market rent, while 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 208 |
Total Units Section 8 | 165 |
% Rentals under Section 8 | 8.7% |
% Occupied Section 8 | 90.9% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $50 | $750 | $800 |
| 2 Bedroom | $95 | $925 | $1,020 |
| 3 Bedroom | $10 | $1,400 | $1,410 |
| 4 Bedroom | -$210 | $1,700 | $1,490 |
Affordability — Oxford, AL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.9 |
| Median Home Price | $198,000 |
| Median Household Income | $65,900 |