Oxford, OH—45056
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Oxford, OH
As of Oct '25, the median home price in Oxford, OH is $329,000, with a year-over-year change of 2.4%. This indicates that home prices in Oxford, OH are increasing. According to Zillow, the 1-year price projection is 1.6%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $329,000 | 2.4% |
| Single Family | $336,000 | 2.1% |
| Condos | $194,000 | 1.0% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $203,000 | 2.0% |
3 Bed | $309,000 | 2.3% |
4 Bed | $383,000 | 2.1% |
| 5 Bed | $477,000 | 1.5% |
% of Housing Stock
Rental Trends — Oxford, OH
As of July '25, Rentcast reports the average rent in Oxford, OH is $1,740, with a year-over-year rent change of 37.0%. Per bedroom, the median rent as of July '25 in Oxford, OH is 1-bedrooms: $704, 2-bedrooms: $1,120, 3-bedrooms: $1,810, 4-bedrooms: $3,480. The most common rental property sizes in Oxford, OH are 3-bedroom and 2-bedroom, accounting for 28.1% and 26.3% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $999 | $1,740 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $700 | $704 |
| 2 Bed Rent | $999 | $1,120 |
| 3 Bed Rent | $1,500 | $1,810 |
| 4 Bed Rent | $3,600 | $3,480 |
% of Rental Stock
Property Listings — Oxford, OH
As of Oct '25, Realtor.com reports that the median days on market for a home in Oxford, OH is 69. This is a increase of 24.0% 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 38.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $320,000 | -4.0% |
Listing Count | 52 | 18.0% |
| Listings as % of Homes | 0.2% | 18.0% |
Days on Market | 69 | 24.0% |
Demographics — Oxford, OH
As of the latest ACS Survey released in 2023, Oxford, OH has a population of 27,600, which has decreased by -1.3% over the past 5 years. Oxford, OH is a less popular place for families, as children make up 11.2% of the population. The area has a highly educated workforce, with 54.2% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 14.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 27,600 | -1.3% |
% Under 18 | 11.2% | 30.2% |
% Seniors | 11.1% | 19.4% |
% WFH | 14.6% | 64.0% |
% w/ College Degree | 54.2% | 18.1% |
As of the latest ACS Survey released in 2023, Oxford, OH is a predominantly white area, with 81.3% of the population identifying as white. The white population has shrunk by 4.0% in the last 5 years. The second most common race or ethnicity in Oxford, OH is asian, making up 6.6% of the population. Foreign-born residents account for 9.8% of the population in Oxford, OH, and this percentage has increased by 19.5% 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 | 81.3% | -4.0% |
% Black | 3.9% | 5.4% |
% Hispanic | 3.2% | 23.1% |
% Asian | 6.6% | -2.9% |
% Foreign Born | 9.8% | 19.5% |
Mortgage and Risk — Oxford, OH
According to HUD data as of 2023, there were 217 mortgage originations in Oxford, OH, of which 85.0% of loans were conventional mortgages. The average loan-to-value was 58.0%, with 18.0% above 90% LTV (elevated). This implies medium mortgage risk in Oxford, OH. Investor activity is low, as 4.0% 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 | 217 |
% Conventional Loans | 85.0% |
% Government Loans | 15.0% |
% Investor Loans | 4.0% |
% Second Loans | 3.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Oxford, OH
As of 2024, the percent of homes in Oxford, OH under the Section 8 program is 3.4%. 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, OH, because HUD payments exceed market rent, while 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 141 |
Total Units Section 8 | 141 |
% Rentals under Section 8 | 3.4% |
% Occupied Section 8 | 91.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $270 | $700 | $970 |
| 2 Bedroom | $261 | $999 | $1,260 |
| 3 Bedroom | $170 | $1,500 | $1,670 |
| 4 Bedroom | -$1,750 | $3,600 | $1,850 |
Affordability — Oxford, OH
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 5.6 |
| Median Home Price | $329,000 |
| Median Household Income | $53,400 |