In Oxford, a typical home is worth $238,000 and typical rent is $997 a month. Compared with all of Butler County, typical household income is 50% lower, typical rent is 12% lower, and the share of households that own their home is 36 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $271,110 to $341,920.
Typical rent
$1,388a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Oxford is in Butler 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 Butler County. See the county
What this place has that others do not, from public data, most unusual first.
1
34% of households in Oxford own their home, against 70% in Butler County.
2
Oxford has the 8th lowest typical household income of the 292 cities in Ohio with more than 5,000 people ($40,764).
3
Oxford has the 8th largest share of rent-burdened renters of the 253 cities in Ohio with more than 5,000 people (64%).
4
Nearby, in Hamilton, the typical home value is $165,200: 31% less than in Oxford ($238,000).
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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Oxford
Butler County
Ohio
United States
Kind of home: Oxford and its comparisons
Measure
Oxford
Butler County
Ohio
United States
Detached house
41%
72%
69%
61%
Attached house
9%
5%
5%
6%
Building of 2 to 4
15%
7%
8%
8%
Apartments (5 or more)
34%
13%
15%
19%
Mobile home
Unreliable estimate
2%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Homes in Oxford are varied: detached houses are the largest group, at 41%, against 72% in Butler County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Oxford
Butler County
Ohio
United States
Year built: Oxford and its comparisons
Measure
Oxford
Butler County
Ohio
United States
Before 1960
15%
26%
38%
26%
1960–1979
25%
26%
26%
24%
1980–1999
34%
26%
20%
25%
2000–2009
16%
14%
10%
14%
2010 or later
11%
8%
7%
11%
Here half of the homes date from 1987 or later; in Butler County, from 1979 or later.
Homes in Oxford are smaller: 62% have 3 bedrooms or more; in Butler County, 67%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K34%
$300K–$500K25%
$500K–$750K5%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Oxford and its comparisons
Measure
Oxford
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
34%
$300K–$500K
25%
$500K–$750K
5%
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99947%
$1,000–$1,49937%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Oxford and its comparisons
Measure
Oxford
Under $500
Unreliable estimate
$500–$999
47%
$1,000–$1,499
37%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,704 a month
Butler County: $1,665 a month
Without a mortgage
$499 a month
Butler County: $619 a month
Owners with a mortgage
51%
Butler County: 65%
The typical cost for an owner with a mortgage in Oxford is $1,704 a month, near the figure in Butler County ($1,665).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
OxfordNo clear change
Butler County+50%
Ohio+47%
United States+53%
Typical rent
Oxford+28%
Butler County+29%
Ohio+28%
United States+33%
Typical household income
Oxford+29%
Butler County+23%
Ohio+26%
United States+29%
Change since 2015–2019: Oxford and its comparisons
Measure
Oxford
Butler County
Ohio
United States
Typical home value
No clear change
+50%
+47%
+53%
Typical rent
+28%
+29%
+28%
+33%
Typical household income
+29%
+23%
+26%
+29%
Since 2015–2019, home values in Oxford moved so little that the Census cannot say whether they rose or fell.
The typical rent in Oxford rose 28% since 2015–2019, about the same as in Butler County (29%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Oxford and its comparisons
Measure
Oxford
Butler County
Ohio
United States
Rental vacancy
Unreliable estimate
4.5%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
0.8%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.8%
1.5%
3.4%
People per household
2.39
2.60
2.37
2.53
Drive alone
52%
75%
75%
69%
Carpool
8%
8%
8%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
23%
2%
2%
3%
Work from home
16%
13%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Oxford has 2.39 people, fewer than in Butler County (2.60).
In Oxford, 23% of workers walk or bike to work; in Butler County, 2%.
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 $238,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 59% of the typical household income in Oxford, which is $40,764 a year. For that payment to be 28% of income, a household would need to earn about $85,958 a year.
The calculator's FHA and conventional loan limits are those of all of Butler County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Oxford. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $8,330 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,006
at 7.18% · 30 years
Loan amount
$233,689
Total interest
$336,224
Paid off in
November 2056
Includes $4,019 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $951 a month
Tight
$951 to $1,223 a month
Hard
more than $1,223 a month
Your payment · 59%
Compared with the typical household income in Oxford ($40,764 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,583
Property tax
$218
Home insurance
$99
FHA mortgage insurance (MIP)
$105
You need at least $8,330 for the down payment, plus closing costs.
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.
Total monthly payment $2,006; principal and interest $1,583.
The city and its county
Oxford and Butler County
Oxford is in Butler County, Ohio. 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
Map of Butler County, Ohio, with Oxford marked. Around it, the neighboring counties.
Oxford
Butler County
Other cities with a page
Oxford's own numbers
Typical home value
$238,000
Typical monthly rent
$997
Typical yearly household income
$40,764
Households that own their home
34%
Effective property tax rate
1.1%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Butler County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,442
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
1.4%
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 Butler County.
A typical home in Oxford is worth $238,000: 8% below the county and 11% above Ohio. With the typical household income in Oxford ($40,764 a year), a typical home costs 5.8 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.
Oxford5.8 years
Butler3.2 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Butler County
According to FHFA’s house price index, home prices in Butler County rose 104% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Butler County.
Yearly change in FHFA’s price index in Butler County, 2016 to 2025
2016: +3.6% +3.6% 2016
2017: +5.8% +5.8% 2017
2018: +6.2% +6.2% 2018
2019: +5.2% +5.2% 2019
2020: +4.4% +4.4% 2020
2021: +12.2% +12.2% 2021
2022: +15.8% +15.8% 2022
2023: +9.5% +9.5% 2023
2024: +6.5% +6.5% 2024
2025: +5.1% +5.1% 2025
Change in FHFA’s price index in Butler County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+5.1%
+4.8%
+2.9%
5 years (2020–2025)
+59%
+53%
+47%
10 years (2015–2025)
+104%
+93%
+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 Butler County, Ohio and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Oxford$238,000
Butler$258,500
Ohio$214,800
United States$332,700
Typical monthly rent
Oxford$997
Butler$1,135
Ohio$1,034
United States$1,413
Typical yearly household income
Oxford$40,764
Butler$81,590
Ohio$71,389
United States$80,734
See the full table
Oxford next to Butler County and Ohio
Measure
Oxford
Butler County
Ohio
U.S.
Typical home value
$238,000 ▼8% below the county
$258,500
$214,800
$332,700
Typical monthly rent
$997 ▼12% below the county
$1,135
$1,034
$1,413
Typical yearly household income
$40,764 ▼50% below the county
$81,590
$71,389
$80,734
Households that own their home
34% ▼36 points below the county
70%
67%
65%
Typical yearly property tax
$2,625 ▼16% below the county
$3,141
$2,822
$3,119
Effective property tax rate
1.1% ▼0.12 points below the county
1.22%
1.31%
0.94%
Renters with high rent for their income
64% ▲16 points above the county
48%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Butler 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 $238,000 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$2,006a month
Least cash to close
Down payment
$8,330
Cash to close
$15,470
Rate
7.18%
Mortgage insurance
FHA MIP · $105
Conventional, 5% down$1,962a month
Down payment
$11,900
Cash to close
$19,040
Rate
7.18%
Mortgage insurance
PMI · $113
Conventional, 20% down, no PMI$1,607a month
Down payment
$47,600
Cash to close
$54,740
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,827a month
Down payment
$35,700
Cash to close
$42,840
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Oxford
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,006
$8,330
$233,689
7.18%
FHA MIP · $105
$15,470
580
Conventional, 5% down
$1,962
$11,900
$226,100
7.18%
PMI · $113
$19,040
620*
Conventional, 20% down, no PMI
$1,607
$47,600
$190,400
7.18%
None
$54,740
620*
ITIN, 15% down (example)
$1,827
$35,700
$202,300
8.18%
None
$42,840
Set by the lender
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.
Typical rent in Oxford is $997 a month: 12% below the county. In Oxford, 64% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Butler County, by unit size. To pay the 2-bedroom one ($1,442 a month) without spending more than 30% of your income, you would need to earn $27.73 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Butler County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,052
$20.23
$42,080
1 bedroom
$1,128
$21.69
$45,120
2 bedrooms
$1,442
$27.73
$57,680
3 bedrooms
$1,897
$36.48
$75,880
4 bedrooms
$2,141
$41.17
$85,640
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 is in ZIP code 45056.
For 2 bedrooms it is $1,380: $62 less than the fair market rent for Butler County ($1,442).
Fair market rent by ZIP code and size in Oxford, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
45056
$1,010
$1,080
$1,380
$1,820
$2,050
ZIP code2 bd3 bd
45056 $1,380$1,820
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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
There are 2 HUD-approved agencies with an office in Butler County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Oxford or Butler County. The ones below are statewide in Ohio: they work in Oxford the same as in the rest of the state.
Ohio state agency help of 2.5% or 5% of the price for the down payment, closing costs or other costs before closing, forgiven after seven years; if you sell sooner, you repay all of it.Offered by Ohio Housing Finance Agency (OHFA).
Ohio state agency certificate that turns part of your mortgage interest into a credit on your federal tax return, up to $2,000 a year: 40% with an OHFA mortgage (MTC Plus) or 15% to 20% with another mortgage (MTC Basic).Offered by Ohio Housing Finance Agency (OHFA).
No legal help resource on our list is for Oxford or Butler County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Oxford and all of Butler 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 $238,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Butler County it is $258,500.
How much does it cost to rent in Oxford?
Typical rent in Oxford is $997 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Butler County is $1,442.
What is the FHA loan limit in Oxford?
Oxford uses the FHA limit for all of Butler 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 $2,625 a year, according to the U.S. Census Bureau. That is 1.1% of the home’s value; in Butler County, the rate is 1.22%.
Where can I find free help to buy or rent in Oxford?
There are 2 HUD-approved counseling agencies with an office in Butler County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
