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City · 22,063 residents · Calhoun County, Alabama

Oxford , Alabama

In Oxford, a typical home is worth $170,900 and typical rent is $925 a month. Compared with all of Calhoun County, typical household income is 35% higher and typical rent is 12% higher.

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  • Typical home value

    $170,900

    9% above the county

    19% below Alabama

    • Oxford
    • Calhoun
    • Alabama

  • Typical rent

    $925a month

    12% above the county

    8% below Alabama

    • Oxford
    • Calhoun
    • Alabama

  • Typical household income

    $74,268a year

    35% above the county

    16% above Alabama

    • Oxford
    • Calhoun
    • Alabama

  • Households that own their home

    75%

    5 points above the county

    5 points above Alabama

    • Oxford
    • Calhoun
    • Alabama

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$196,847
1.4% more than 12 months ago
Typical rent
$1,200 a month
4.8% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Oxford is in Calhoun County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Calhoun County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Oxford apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Saks, the typical home value is $116,400: 32% less than in Oxford ($170,900).

  2. The typical household income in Oxford is $74,268, 35% more than in Calhoun County as a whole ($55,029).

  3. Nearby, in Talladega, the typical rent is $776: 16% less than in Oxford ($925).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Oxford

What homes there are in Oxford, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 76% of homes here, against 71% in Calhoun County.

Year built

Here half of the homes date from 1983 or later; in Calhoun County, from 1979 or later.

Homes in Oxford are bigger: 77% have 3 bedrooms or more; in Calhoun County, 65%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

About 96% of owner-occupied homes in Oxford are worth less than the FHA loan limit for Calhoun County ($541,287).

Monthly rent with utilities

With a mortgage

$1,243 a month

Calhoun County: $1,210 a month

Without a mortgage

$437 a month

Calhoun County: $407 a month

Owners with a mortgage

57%

Calhoun County: 49%

The typical cost for an owner with a mortgage in Oxford is $1,243 a month, near the figure in Calhoun County ($1,210).

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Homes in Oxford gained value more slowly than in Calhoun County: 18% since 2015–2019, against 33%.

Rent in Oxford moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureOxfordCalhoun CountyAlabamaUnited States
Rental vacancy Unreliable estimate5.3%7.2%5.5%
Homeowner vacancy Unreliable estimate1.3%1.1%0.9%
More than one person per room Unreliable estimate1.5%1.7%3.4%
People per household 2.622.482.482.53
Drive alone 84%85%81%69%
Carpool 10%7%8%9%
Public transit Unreliable estimateUnreliable estimate0%3%
Walk or bike Unreliable estimate1%1%3%
Work from home 4%6%9%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Oxford are bigger: 2.62 people on average; in Calhoun County, 2.48.

Carpooling is common in Oxford: 10% of workers get to work that way, against 7% in Calhoun County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Oxford?

A typical home is within reach of the typical income

We start with a typical home in Oxford, worth $170,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 22% of the typical household income in Oxford, which is $74,268 a year.

The calculator's FHA and conventional loan limits are those of all of Calhoun County.

Your numbers

Local data
$

Starts at the typical home value in Oxford. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $5,982 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,342

at 7.18% · 30 years

Loan amount
$167,804
Total interest
$241,431
Paid off in
November 2056

Includes $2,886 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,733 a month

    Your payment · 22%

  • Tight

    $1,733 to $2,228 a month

  • Hard

    more than $2,228 a month

Compared with the typical household income in Oxford ($74,268 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,342
Principal & interest$1,137
Property tax$58
Home insurance$71
FHA mortgage insurance (MIP)$76

You need at least $5,982 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Oxford and Calhoun County

Oxford is in Calhoun County, Alabama. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Oxford's own numbers

Typical home value
$170,900
Typical monthly rent
$925
Typical yearly household income
$74,268
Households that own their home
75%
Effective property tax rate
0.41%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Calhoun County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,010
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
3.4%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Calhoun County.

Everything about Calhoun County

Buying

Buying a home in Oxford

A typical home in Oxford is worth $170,900: 9% above the county and 19% below Alabama. With the typical household income in Oxford ($74,268 a year), a typical home costs 2.3 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Oxford 2.3 years
  • Calhoun 2.8 years
  • Alabama 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Calhoun County

According to FHFA’s house price index, home prices in Calhoun County rose 77% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Calhoun County.

Period County Alabama U.S.
Last year (2025) +4.4% +2.5% +2.9%
5 years (2020–2025) +50% +47% +47%
10 years (2015–2025) +77% +77% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Oxford next to Calhoun County, Alabama and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Oxford $170,900
  • Calhoun $156,600
  • Alabama $209,900
  • United States $332,700
Typical monthly rent
  • Oxford $925
  • Calhoun $826
  • Alabama $1,007
  • United States $1,413
Typical yearly household income
  • Oxford $74,268
  • Calhoun $55,029
  • Alabama $63,999
  • United States $80,734
See the full table
Oxford next to Calhoun County and Alabama
Measure Oxford Calhoun County Alabama U.S.
Typical home value $170,900 $156,600 $209,900 $332,700
Typical monthly rent $925 $826 $1,007 $1,413
Typical yearly household income $74,268 $55,029 $63,999 $80,734
Households that own their home 75% 70% 70% 65%
Typical yearly property tax $697 $653 $788 $3,119
Effective property tax rate 0.41% 0.42% 0.38% 0.94%
Renters with high rent for their income 38% 45% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Calhoun County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Oxford

For a typical $170,900 home in Oxford, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oxford's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,342a month

    Least cash to close
    Down payment
    $5,982
    Cash to close
    $11,109
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $76

  • Conventional, 5% down $1,311a month

    Down payment
    $8,545
    Cash to close
    $13,672
    Rate
    7.18%
    Mortgage insurance
    PMI · $81

  • Conventional, 20% down, no PMI $1,056a month

    Down payment
    $34,180
    Cash to close
    $39,307
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,214a month

    Down payment
    $25,635
    Cash to close
    $30,762
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Oxford and for Calhoun County.

Property tax

Effective rate in Oxford

0.41%of the home’s value each year

$697 a year for the typical owner in Oxford.

  • Oxford 0.41%
  • Calhoun 0.42%
  • Alabama 0.38%

What Alabama publishes Basic homestead exemption (type H-1) (Alabama Department of Revenue)

Exemptions and deadlines in Alabama

Flood risk in Calhoun County

FEMA does not publish these numbers by city: they are for all of Calhoun County.

Homes in the high-risk zone
3.4%
1,566
Of those, with NFIP insurance
16%
County Alabama U.S.
Homes in the high-risk zone 3.4% 3.2% 3.5%
Of those, with NFIP insurance 16% 29% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Oxford

Typical rent in Oxford is $925 a month: 12% above the county. In Oxford, 38% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Calhoun County, by unit size. To pay the 2-bedroom one ($1,010 a month) without spending more than 30% of your income, you would need to earn $19.42 an hour working full time.

HUD fair market rent for all of Calhoun County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $796 $15.31 $31,840
1 bedroom $801 $15.40 $32,040
2 bedrooms $1,010 $19.42 $40,400
3 bedrooms $1,337 $25.71 $53,480
4 bedrooms $1,341 $25.79 $53,640

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Oxford

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Oxford has 2 ZIP codes with their own.

For 2 bedrooms it runs from $920 in 36260 to $1,090 in 36203.

1 of the 2 is above the fair market rent for Calhoun County ($1,010).

  • 36203 $1,090$1,440
  • 36260 $920$1,220

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Oxford when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Oxford

HUD lists 3 buildings with rents for lower incomes in Oxford. These are the largest.

  • Sterling Pointe 329 Nottingham Woods Ln, Oxford 36203 144 low-income homes · 1 bd: 24 · 2 bd: 96 · 3 bd: 24 · In service since 2003 · For families
  • Sterling Pointe Apartments 251 Sterling Pointe Ln, Oxford 36203 144 homes, 125 low-income · For families (256) 831-7610
  • Oxford House 119 E 6th St, Oxford 36203 43 low-income homes · For older adults (256) 835-7900

See all 20 buildings in Calhoun County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Oxford

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Calhoun County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Oxford

No down payment, repair or rent-help program on our list is for Oxford or Calhoun County. The ones below are statewide in Alabama: they work in Oxford the same as in the rest of the state.

Which programs do I qualify for? All programs in Alabama

  • Step Up

    Statewide in Alabama

    Alabama state authority program with down payment assistance of 4% of the price (up to $10,000) as a 10-year second mortgage, alongside a 30-year fixed mortgage. Offered by Alabama Housing Finance Authority (AHFA).

    Repayable

    See the program Official page

  • First Step Mortgage Revenue Bonds

    Statewide in Alabama

    Alabama state authority 30-year low-rate mortgage, for first-time buyers and for people who have owned a home before, with down payment assistance of 4% of the price, up to $10,000, as a ten-year second mortgage. Offered by Alabama Housing Finance Authority (AHFA).

    Repayable

    See the program Official page

  • Affordable Income Subsidy Grant

    Statewide in Alabama

    Alabama state authority grant for closing costs with an HFA Advantage conventional loan: 1% of the loan if you earn up to 50% of the area median, or half a percent if you earn 50% to 80%. Offered by Alabama Housing Finance Authority (AHFA).

    Grant

    See the program Official page

Housing counselors near Oxford

The HUD-approved agencies closest to the center of Oxford, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • United Way of Central Alabama, Inc.

    3600 8th Ave S, Birmingham · 53 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (205) 458-8950

  • Operation Hope- Birmingham Al

    2100 Park Pl, Birmingham · 54 miles away

    • Mortgage delinquency workshops
    • Budget and financial counseling
    • and 3 more
    (205) 478-0557

  • Neighborhood Housing Services of Birmingham, Inc.

    601 19th St N, Birmingham · 55 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (205) 328-4292

All counseling agencies in Alabama

Help in Spanish near Oxford

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Oxford

In HUD’s record, no housing authority with an office in Calhoun County is named for Oxford or Calhoun County.

4 other authorities have an office in Calhoun County: see the list Source: HUD

Cities

Other cities in Calhoun County

These cities are also in Calhoun County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Calhoun County Housing in Alabama

Nearby cities

The cities closest to Oxford, with the typical home value.

Neighboring counties

If Calhoun County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Oxford.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Oxford

Short answers with the numbers for Oxford and all of Calhoun County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Oxford?

The typical home value in Oxford is $170,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Calhoun County it is $156,600.

How much does it cost to rent in Oxford?

Typical rent in Oxford is $925 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Calhoun County is $1,010.

What is the FHA loan limit in Oxford?

Oxford uses the FHA limit for all of Calhoun County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Oxford?

The typical homeowner in Oxford pays $697 a year, according to the U.S. Census Bureau. That is 0.41% of the home’s value; in Calhoun County, the rate is 0.42%.

Where can I find free help to buy or rent in Oxford?

We found no HUD-approved counseling agencies with an office in Calhoun County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).