Oxford, AL—36260
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 $173,000, with a year-over-year change of 4.0%. This indicates that home prices in Oxford, AL are increasing. According to Zillow, the 1-year price projection is -1.1%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $173,000 | 4.0% |
| Single Family | $172,000 | 3.6% |
| 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 | $200,000 | 4.2% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Oxford, AL
As of July '25, Rentcast reports the average rent in Oxford, AL is $1,360, with a year-over-year rent change of -4.2%. Per bedroom, the median rent as of July '25 in Oxford, AL is 3-bedrooms: $1,290, 4-bedrooms: $1,720. The most common rental property sizes in Oxford, AL are 3-bedroom and 4-bedroom, accounting for 51.6% and 25.6% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,500 | $1,360 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $1,500 | $1,290 |
| 4 Bed Rent | $1,720 | $1,720 |
% 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 59. This is a decrease of -27.0% 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 13.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $252,000 | -62.0% |
Listing Count | 30 | 252.0% |
| Listings as % of Homes | 0.5% | 252.0% |
Days on Market | 59 | -27.0% |
Demographics — Oxford, AL
As of the latest ACS Survey released in 2023, Oxford, AL has a population of 4,730, which has increased by 18.2% over the past 5 years. Oxford, AL is a popular place for families, as children make up 27.9% of the population. The area has a poorly educated workforce, with 20.2% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 4.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,730 | 18.2% |
% Under 18 | 27.9% | 7.3% |
% Seniors | 21.8% | 49.3% |
% WFH | 4.9% | 113.0% |
% w/ College Degree | 20.2% | 106.1% |
As of the latest ACS Survey released in 2023, Oxford, AL is a predominantly white area, with 64.9% of the population identifying as white. The white population has shrunk by 22.8% in the last 5 years. The second most common race or ethnicity in Oxford, AL is black, making up 20.3% of the population. Foreign-born residents account for 3.6% of the population in Oxford, AL, and this percentage has increased by 414.3% 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 | 64.9% | -22.8% |
% Black | 20.3% | 42.0% |
% Hispanic | 7.6% | 850.0% |
% Asian | 0.5% | ∞% |
% Foreign Born | 3.6% | 414.3% |
Mortgage and Risk — Oxford, AL
According to HUD data as of 2023, there were 31 mortgage originations in Oxford, AL, of which 74.0% of loans were conventional mortgages. The average loan-to-value was 74.0%, with 35.0% 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. 6.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 31 |
% Conventional Loans | 74.0% |
% Government Loans | 26.0% |
% Investor Loans | 6.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 6.0% |
Loan Activity
Rentals and Section 8 — Oxford, AL
Oxford, AL lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 2 |
Total Units Section 8 | 2 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $630 |
| 2 Bedroom | N/A | N/A | $820 |
| 3 Bedroom | -$360 | $1,500 | $1,140 |
| 4 Bedroom | -$530 | $1,720 | $1,190 |
Affordability — Oxford, AL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.8 |
| Median Home Price | $173,000 |
| Median Household Income | $57,200 |