Oxford, IN—47971
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Oxford, IN
As of Oct '25, the median home price in Oxford, IN is $208,000, with a year-over-year change of 7.0%. This indicates that home prices in Oxford, IN are increasing. According to Zillow, the 1-year price projection is 2.6%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $208,000 | 7.1% |
| Single Family | $208,000 | 7.2% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $150,000 | 9.5% |
3 Bed | $210,000 | 6.6% |
4 Bed | $254,000 | 7.2% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Oxford, IN
As of July '25, Rentcast reports the average rent in Oxford, IN is $850, with a year-over-year rent change of 21.4%. Per bedroom, the median rent as of July '25 in Oxford, IN is 1-bedrooms: $850. The most common rental property sizes in Oxford, IN are 2-bedroom and 3-bedroom, accounting for 45.6% and 42.7% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $850 | $850 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $850 | $850 |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Oxford, IN
As of Oct '25, Realtor.com reports that the median days on market for a home in Oxford, IN is 55. This is a increase of 122.0% 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 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $195,000 | -25.0% |
Listing Count | 6 | -21.0% |
| Listings as % of Homes | 0.8% | -21.0% |
Days on Market | 55 | 122.0% |
Demographics — Oxford, IN
As of the latest ACS Survey released in 2023, Oxford, IN has a population of 1,720, which has decreased by -12.4% over the past 5 years. Oxford, IN is a moderately popular place for families, as children make up 24.1% of the population. The area has a poorly educated workforce, with 13.4% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 2.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 1,720 | -12.4% |
% Under 18 | 24.1% | -7.7% |
% Seniors | 16.5% | -7.8% |
% WFH | 2.9% | -46.3% |
% w/ College Degree | 13.4% | -30.2% |
As of the latest ACS Survey released in 2023, Oxford, IN is a predominantly white area, with 90.0% of the population identifying as white. The white population has shrunk by 3.3% in the last 5 years. The second most common race or ethnicity in Oxford, IN is black, making up 4.1% of the population. Foreign-born residents account for 1.4% of the population in Oxford, IN, and this percentage has increased by 7.7% 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 | 90.0% | -3.3% |
% Black | 4.1% | 412.5% |
% Hispanic | 3.5% | -40.7% |
% Asian | 0.0% | N/A |
% Foreign Born | 1.4% | 7.7% |
Mortgage and Risk — Oxford, IN
According to HUD data as of 2023, there were 68 mortgage originations in Oxford, IN, of which 66.0% of loans were conventional mortgages. The average loan-to-value was 69.0%, with 37.0% above 90% LTV (very high). This implies large mortgage risk in Oxford, IN. Investor activity is low, as 3.0% 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 | 68 |
% Conventional Loans | 66.0% |
% Government Loans | 34.0% |
% Investor Loans | 3.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 12.0% |
Loan Activity
Rentals and Section 8 — Oxford, IN
Oxford, IN 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 | 4.9% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$30 | $850 | $820 |
| 2 Bedroom | N/A | N/A | $970 |
| 3 Bedroom | N/A | N/A | $1,170 |
| 4 Bedroom | N/A | N/A | $1,450 |
Affordability — Oxford, IN
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.2 |
| Median Home Price | $208,000 |
| Median Household Income | $53,700 |