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City · 8,914 residents · Granville County, North Carolina

Oxford , North Carolina

In Oxford, a typical home is worth $196,200 and typical rent is $995 a month. Compared with all of Granville County, typical household income is 39% lower, the typical home value is 21% lower, and the share of households that own their home is 24 points lower.

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  • Typical home value

    $196,200

    21% below the county

    32% below North Carolina

    • Oxford
    • Granville
    • North Carolina

  • Typical rent

    $995a month

    About the same as the county

    19% below North Carolina

    • Oxford
    • Granville
    • North Carolina

  • Typical household income

    $43,054a year

    39% below the county

    41% below North Carolina

    • Oxford
    • Granville
    • North Carolina

  • Households that own their home

    53%

    24 points below the county

    14 points below North Carolina

    • Oxford
    • Granville
    • North Carolina

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

Market now, with Zillow data

Zillow data
Typical home value
$247,556
0.9% less than 12 months ago

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

Oxford is in Granville 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 Granville 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. 53% of households in Oxford own their home, against 77% in Granville County.

  2. Nearby, in Henderson, the typical home value is $123,800: 37% less than in Oxford ($196,200).

  3. The typical household income in Oxford is $43,054, 39% less than in Granville County as a whole ($71,111).

  4. The typical home in Oxford is worth $196,200, 21% less than in Granville County as a whole ($247,700).

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

The detached house is the most common home in Oxford: 72% of homes, near the figure in Granville County (72%).

Year built

Homes in Oxford are older: the typical year built is 1976; in Granville County, 1992.

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

With an FHA limit of $541,287, at least 93% of owner-occupied homes in Oxford sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,345 a month

Granville County: $1,546 a month

Without a mortgage

$478 a month

Granville County: $498 a month

Owners with a mortgage

58%

Granville County: 60%

Owning costs less in Oxford: with a mortgage, the typical cost is $1,345 a month; in Granville County, $1,546. Without one, $478.

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 Granville County: 43% since 2015–2019, against 59%.

Rents in Oxford rose faster than in Granville County: 42% since 2015–2019, against 21%.

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

MeasureOxfordGranville CountyNorth CarolinaUnited States
Rental vacancy Unreliable estimateUnreliable estimate7.1%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.3%0.9%
More than one person per room Unreliable estimate1.2%2.2%3.4%
People per household 2.212.522.442.53
Drive alone 88%79%72%69%
Carpool Unreliable estimate6%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home 8%14%16%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.21 on average, against 2.52 in Granville County.

To get to work, 88% of workers in Oxford drive alone; in Granville County, 79%.

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 costs more than the typical income allows

We start with a typical home in Oxford, worth $196,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Oxford, which is $43,054 a year. For that payment to be 28% of income, a household would need to earn about $68,199 a year.

The calculator's FHA and conventional loan limits are those of all of Granville 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 $6,867 (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

$1,591

at 7.18% · 30 years

Loan amount
$192,646
Total interest
$277,173
Paid off in
November 2056

Includes $3,313 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,005 a month

  • Tight

    $1,005 to $1,292 a month

  • Hard

    more than $1,292 a month

    Your payment · 44%

Compared with the typical household income in Oxford ($43,054 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,591
Principal & interest$1,305
Property tax$118
Home insurance$82
FHA mortgage insurance (MIP)$87

You need at least $6,867 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 Granville County

Oxford is in Granville County, North Carolina. 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
$196,200
Typical monthly rent
$995
Typical yearly household income
$43,054
Households that own their home
53%
Effective property tax rate
0.72%

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

Numbers for all of Granville County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,213
Price change over 5 years (FHFA)
+61%
Homes in a high flood-risk zone
0.2%

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 Granville County.

Everything about Granville County

Buying

Buying a home in Oxford

A typical home in Oxford is worth $196,200: 21% below the county and 32% below North Carolina. With the typical household income in Oxford ($43,054 a year), a typical home costs 4.6 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 4.6 years
  • Granville 3.5 years
  • North Carolina 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Granville County

According to FHFA’s house price index, home prices in Granville County rose 102% in the 10 years through 2025.

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

Period County North Carolina U.S.
Last year (2025) +2.1% +2.5% +2.9%
5 years (2020–2025) +61% +60% +47%
10 years (2015–2025) +102% +107% +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 Granville County, North Carolina and the U.S.

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

Typical home value
  • Oxford $196,200
  • Granville $247,700
  • North Carolina $288,900
  • United States $332,700
Typical monthly rent
  • Oxford $995
  • Granville $1,008
  • North Carolina $1,228
  • United States $1,413
Typical yearly household income
  • Oxford $43,054
  • Granville $71,111
  • North Carolina $72,388
  • United States $80,734
See the full table
Oxford next to Granville County and North Carolina
Measure Oxford Granville County North Carolina U.S.
Typical home value $196,200 $247,700 $288,900 $332,700
Typical monthly rent $995 $1,008 $1,228 $1,413
Typical yearly household income $43,054 $71,111 $72,388 $80,734
Households that own their home 53% 77% 67% 65%
Typical yearly property tax $1,410 $1,664 $1,896 $3,119
Effective property tax rate 0.72% 0.67% 0.66% 0.94%
Renters with high rent for their income 52% 44% 49% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Granville 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 $196,200 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 $1,591a month

    Least cash to close
    Down payment
    $6,867
    Cash to close
    $12,753
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $87

  • Conventional, 5% down $1,555a month

    Down payment
    $9,810
    Cash to close
    $15,696
    Rate
    7.18%
    Mortgage insurance
    PMI · $93

  • Conventional, 20% down, no PMI $1,263a month

    Down payment
    $39,240
    Cash to close
    $45,126
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,444a month

    Down payment
    $29,430
    Cash to close
    $35,316
    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 Granville County.

Property tax

Effective rate in Oxford

0.72%of the home’s value each year

$1,410 a year for the typical owner in Oxford.

  • Oxford 0.72%
  • Granville 0.67%
  • North Carolina 0.66%

What North Carolina publishes Elderly or Disabled Homestead Exclusion (North Carolina General Assembly (statute))

Exemptions and deadlines in North Carolina

Flood risk in Granville County

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

Homes in the high-risk zone
0.2%
56
Of those, with NFIP insurance
8.9%
County North Carolina U.S.
Homes in the high-risk zone 0.2% 2.8% 3.5%
Of those, with NFIP insurance 8.9% 53% 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 $995 a month: about the same as the county. In Oxford, 52% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Granville County, by unit size. To pay the 2-bedroom one ($1,213 a month) without spending more than 30% of your income, you would need to earn $23.33 an hour working full time.

HUD fair market rent for all of Granville 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 $1,036 $19.92 $41,440
1 bedroom $1,114 $21.42 $44,560
2 bedrooms $1,213 $23.33 $48,520
3 bedrooms $1,465 $28.17 $58,600
4 bedrooms $1,835 $35.29 $73,400

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 is in ZIP code 27565.

For 2 bedrooms it is $1,140: $73 less than the fair market rent for Granville County ($1,213).

  • 27565 $1,140$1,430

1 of these ZIP codes crosses 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 10 buildings with rents for lower incomes in Oxford. These are the largest.

  • Broughton/Maple/Pinewood 101 Crescent Dr, Oxford 27565 202 homes, 198 low-income · Run by Oxford Housing Authority · Average payment: $403 a month · Average wait: 13 months (919) 693-6936
  • Villas of Knotts Grove Apartments 126 Juniper Ct, Oxford 27565 80 homes, 79 low-income · Run by Oxford Housing Authority · Average payment: $551 a month · Average wait: 2 months (919) 693-6936
  • Jakes Ridge 800 Mittenzwei Ln, Oxford 27565 64 low-income homes · 2 bd: 40 · 3 bd: 24 · In service since 2017 · For families
  • Oxford Homes for the Elderly 139 Webb Pl, Oxford 27565 50 low-income homes · For older adults (919) 693-3927
  • Garden Park Villas 100 Garden Park Dr, Oxford 27565 40 low-income homes · 1 bd: 28 · 2 bd: 12 · In service since 2009 · For older adults

See all 14 buildings in Granville 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 Granville County. The nearest ones are below; many serve by phone or online.

A man smiles on a bench outside his apartment building.

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 Granville County. The ones below are statewide in North Carolina: they work in Oxford the same as in the rest of the state.

Which programs do I qualify for? All programs in North Carolina

  • NC Home Advantage Mortgage

    Statewide in North Carolina

    NCHFA fixed-rate mortgage with down payment assistance, for first-time buyers and for people who have owned a home before, in North Carolina. Offered by North Carolina Housing Finance Agency (NCHFA).

    Forgivable

    See the program Official page

  • NC 1st Home Advantage Down Payment

    Statewide in North Carolina

    A fixed amount of NCHFA down payment assistance for first-time buyers and veterans in North Carolina. Offered by North Carolina Housing Finance Agency (NCHFA).

    Type not stated

    See the program Official page

  • Community Partners Loan Pool (CPLP)

    Statewide in North Carolina

    NCHFA interest-free loan with deferred payments of up to 25% of the price (maximum $50,000) for the down payment of low- and moderate-income buyers in North Carolina; you apply through a member organization. Offered by North Carolina Housing Finance Agency (NCHFA).

    Deferred

    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.

  • North Carolina Housing Coalition

    3608 University Dr Ste 201, Durham · 32 miles away

    (919) 881-0707

  • NSC (naca Counseling Subsidiary) - Raleigh, NC

    4112 Pleasant Valley Road Suite 220, Raleigh · 33 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (919) 855-8484

  • Telamon Corporation - Raleigh Branch

    5560 Munford Rd Ste 107, Raleigh · 33 miles away

    Also serves in Farsi.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (919) 899-9911

All counseling agencies in North Carolina

Help in Spanish near Oxford

1 of the 3 agencies on this list says it serves 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

HUD’s record names them for Oxford or Granville County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

All housing agencies in North Carolina Source: HUD

Cities

Other cities in Granville County

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

Everything about Granville County Housing in North Carolina

Nearby cities

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

Neighboring counties

If Granville 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 father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Oxford

Short answers with the numbers for Oxford and all of Granville 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 $196,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Granville County it is $247,700.

How much does it cost to rent in Oxford?

Typical rent in Oxford is $995 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Granville County is $1,213.

What is the FHA loan limit in Oxford?

Oxford uses the FHA limit for all of Granville 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 $1,410 a year, according to the U.S. Census Bureau. That is 0.72% of the home’s value; in Granville County, the rate is 0.67%.

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

We found no HUD-approved counseling agencies with an office in Granville 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).