Oxford, FL—34484
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Oxford, FL
As of Oct '25, the median home price in Oxford, FL is $353,000, with a year-over-year change of -1.8%. This indicates that home prices in Oxford, FL are decreasing. According to Zillow, the 1-year price projection is -0.1%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $353,000 | -1.8% |
| Single Family | $369,000 | -1.6% |
| Condos | $206,000 | -7.6% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $220,000 | -6.0% |
3 Bed | $345,000 | -2.3% |
4 Bed | $421,000 | 0.5% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Oxford, FL
As of July '25, Rentcast reports the average rent in Oxford, FL is $1,990, with a year-over-year rent change of -6.6%. Per bedroom, the median rent as of July '25 in Oxford, FL is 1-bedrooms: $1,410, 2-bedrooms: $1,800, 3-bedrooms: $2,210, 4-bedrooms: $2,400. The most common rental property sizes in Oxford, FL are 5+ bedroom and 2-bedroom, accounting for 36.3% and 28.2% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,000 | $1,990 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,400 | $1,410 |
| 2 Bed Rent | $1,700 | $1,800 |
| 3 Bed Rent | $2,200 | $2,210 |
| 4 Bed Rent | $2,300 | $2,400 |
% of Rental Stock
Property Listings — Oxford, FL
As of Oct '25, Realtor.com reports that the median days on market for a home in Oxford, FL is 70. This is a decrease of -21.0% 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 27.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $380,000 | -4.0% |
Listing Count | 67 | -21.0% |
| Listings as % of Homes | 1.5% | -21.0% |
Days on Market | 70 | -21.0% |
Demographics — Oxford, FL
As of the latest ACS Survey released in 2023, Oxford, FL has a population of 5,410, which has increased by 50.1% over the past 5 years. Oxford, FL is a moderately popular place for families, as children make up 17.9% of the population. The area has a moderately educated workforce, with 29.1% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 4.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 5,410 | 50.1% |
% Under 18 | 17.9% | -21.1% |
% Seniors | 27.6% | 0.4% |
% WFH | 4.2% | -58.0% |
% w/ College Degree | 29.1% | 39.2% |
As of the latest ACS Survey released in 2023, Oxford, FL is a predominantly white area, with 81.8% of the population identifying as white. The white population has shrunk by 10.2% in the last 5 years. The second most common race or ethnicity in Oxford, FL is black, making up 7.2% of the population. Foreign-born residents account for 3.7% of the population in Oxford, FL, and this percentage has increased by 5.7% 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 | 81.8% | -10.2% |
% Black | 7.2% | 227.3% |
% Hispanic | 4.6% | 24.3% |
% Asian | 1.7% | ∞% |
% Foreign Born | 3.7% | 5.7% |
Mortgage and Risk — Oxford, FL
According to HUD data as of 2023, there were 100 mortgage originations in Oxford, FL, of which 81.0% of loans were conventional mortgages. The average loan-to-value was 58.0%, with 9.0% above 90% LTV (normal). This implies small mortgage risk in Oxford, FL. Investor activity is low, as 3.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 100 |
% Conventional Loans | 81.0% |
% Government Loans | 19.0% |
% Investor Loans | 3.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Oxford, FL
Oxford, FL lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | N/A |
Total Units Section 8 | N/A |
% 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 | -$180 | $1,400 | $1,220 |
| 2 Bedroom | -$100 | $1,700 | $1,600 |
| 3 Bedroom | -$210 | $2,200 | $1,990 |
| 4 Bedroom | $80 | $2,300 | $2,380 |
Affordability — Oxford, FL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4 |
| Median Home Price | $353,000 |
| Median Household Income | $90,800 |