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City · 5,825 residents · Chester County, Pennsylvania

Oxford , Pennsylvania

In Oxford, a typical home is worth $313,800 and typical rent is $1,308 a month. Compared with all of Chester County, the typical home value is 35% lower, typical rent is 26% lower, and the share of households that own their home is 30 points lower.

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  • Typical home value

    $313,800

    35% below the county

    23% above Pennsylvania

    • Oxford
    • Chester
    • Pennsylvania

  • Typical rent

    $1,308a month

    26% below the county

    8% above Pennsylvania

    • Oxford
    • Chester
    • Pennsylvania

  • Households that own their home

    45%

    30 points below the county

    25 points below Pennsylvania

    • Oxford
    • Chester
    • Pennsylvania

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

Market now, with Zillow data

Zillow data
Typical home value
$471,596
3% more than 12 months ago

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

Oxford is in Chester County. The FHA loan limit ($630,200 for a one-unit home), the fair market rents and the help on this page are those of all of Chester 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. 45% of households in Oxford own their home, against 75% in Chester County.

  2. Oxford has the 7th largest share of rent-burdened renters of the 232 cities in Pennsylvania with more than 5,000 people (70%).

  3. Nearby, in Coatesville, the typical home value is $194,000: 38% less than in Oxford ($313,800).

  4. The typical home in Oxford is worth $313,800, 35% less than in Chester County as a whole ($485,600).

  5. The typical rent in Oxford is $1,308 a month, 26% less than in Chester County as a whole ($1,763).

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

No kind of home is the majority in Oxford; the largest group, detached houses, adds up to 39%, less than in Chester County (60%).

Year built

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
Monthly rent with utilities

With a mortgage

$2,289 a month

Chester County: $2,660 a month

Without a mortgage

$726 a month

Chester County: $977 a month

Owners with a mortgage

84%

Chester County: 68%

Owning costs less in Oxford: with a mortgage, the typical cost is $2,289 a month; in Chester County, $2,660. Without one, $726.

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

The typical home value in Oxford rose 46% since 2015–2019, more than in Chester County (36%).

Much as in Chester County, the typical rent in Oxford rose 31% since 2015–2019.

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

MeasureOxfordChester CountyPennsylvaniaUnited States
Rental vacancy Unreliable estimate3.6%4.9%5.5%
Homeowner vacancy Unreliable estimate0.5%0.8%0.9%
More than one person per room Unreliable estimate1.4%1.6%3.4%
People per household 2.632.602.392.53
Drive alone 76%65%68%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimate1%4%3%
Walk or bike Unreliable estimate2%4%3%
Work from home Unreliable estimate24%16%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Chester County, a household in Oxford has 2.63 people on average.

To get to work, 76% of workers in Oxford drive alone; in Chester County, 65%.

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?

The Census Bureau publishes no typical home value or typical household income for Oxford, so we don't measure how heavy the payment is. Enter your own numbers in the calculator. The calculator starts with the typical home value in Oxford: $313,800. The rate is Freddie Mac’s weekly average (7.18%, November 5, 2026); yours may be different. The FHA and conventional loan limits are those of all of Chester County. Change the price, the down payment or the loan type and see how your payment changes.

The calculator's FHA and conventional loan limits are those of all of Chester 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 $10,983 (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

$2,825

at 7.18% · 30 years

Loan amount
$308,116
Total interest
$443,307
Paid off in
November 2056

Includes $5,299 FHA upfront mortgage insurance premium.

Does it fit the income?

Type your income to see which tier this payment lands in.

Show the result as
per month$2,825
Principal & interest$2,087
Property tax$468
Home insurance$131
FHA mortgage insurance (MIP)$139

You need at least $10,983 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 Chester County

Oxford is in Chester County, Pennsylvania. 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
$313,800
Typical monthly rent
$1,308
Households that own their home
45%
Effective property tax rate
1.79%

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

Numbers for all of Chester County

FHA limit, one-unit home
$630,200
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,860
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
0.8%

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 Chester County.

Everything about Chester County

Buying

Buying a home in Oxford

A typical home in Oxford is worth $313,800: 35% below the county and 23% above Pennsylvania.

How prices have changed in Chester County

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

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

Period County Pennsylvania U.S.
Last year (2025) +4.7% +4.7% +2.9%
5 years (2020–2025) +52% +48% +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 Chester County, Pennsylvania and the U.S.

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

Typical home value
  • Oxford $313,800
  • Chester $485,600
  • Pennsylvania $254,500
  • United States $332,700
Typical monthly rent
  • Oxford $1,308
  • Chester $1,763
  • Pennsylvania $1,209
  • United States $1,413
See the full table
Oxford next to Chester County and Pennsylvania
Measure Oxford Chester County Pennsylvania U.S.
Typical home value $313,800 $485,600 $254,500 $332,700
Typical monthly rent $1,308 $1,763 $1,209 $1,413
Households that own their home 45% 75% 69% 65%
Typical yearly property tax $5,620 $6,308 $3,311 $3,119
Effective property tax rate 1.79% 1.3% 1.3% 0.94%
Renters with high rent for their income 70% 48% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Chester 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 $313,800 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 $2,825a month

    Least cash to close
    Down payment
    $10,983
    Cash to close
    $20,397
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $139

  • Conventional, 5% down $2,767a month

    Down payment
    $15,690
    Cash to close
    $25,104
    Rate
    7.18%
    Mortgage insurance
    PMI · $149

  • Conventional, 20% down, no PMI $2,299a month

    Down payment
    $62,760
    Cash to close
    $72,174
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,590a month

    Down payment
    $47,070
    Cash to close
    $56,484
    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 Chester County.

Property tax

Effective rate in Oxford

1.79%of the home’s value each year

$5,620 a year for the typical owner in Oxford.

  • Oxford 1.79%
  • Chester 1.3%
  • Pennsylvania 1.3%

What Pennsylvania publishes Property Tax/Rent Rebate Program (PTRR) (Pennsylvania Department of Revenue)

Exemptions and deadlines in Pennsylvania

Flood risk in Chester County

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

Homes in the high-risk zone
0.8%
1,279
Of those, with NFIP insurance
40%
County Pennsylvania U.S.
Homes in the high-risk zone 0.8% 2% 3.5%
Of those, with NFIP insurance 40% 23% 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 $1,308 a month: 26% below the county. In Oxford, 70% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Chester County, by unit size. To pay the 2-bedroom one ($1,860 a month) without spending more than 30% of your income, you would need to earn $35.77 an hour working full time.

HUD fair market rent for all of Chester 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 $1,438 $27.65 $57,520
1 bedroom $1,558 $29.96 $62,320
2 bedrooms $1,860 $35.77 $74,400
3 bedrooms $2,216 $42.62 $88,640
4 bedrooms $2,445 $47.02 $97,800

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 19363.

For 2 bedrooms it is $1,530: $330 less than the fair market rent for Chester County ($1,860).

  • 19363 $1,530$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 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 6 buildings with rents for lower incomes in Oxford. These are the largest.

  • Whitehall Acres 171 Whitehall Way, Oxford 19363 64 low-income homes · For families (610) 932-3800
  • Whitehall Acres 134 Whitehall Way, Oxford 19363 64 homes, 62 low-income · 2 bd: 32 · 3 bd: 32 · In service since 2015 · For people with disabilities, families
  • Oxford Village 1101 Lauren Ln, Oxford 19363 50 low-income homes · 2 bd: 25 · 3 bd: 25 · In service since 1999 · For families
  • Oxford Terrace 326 Market St, Oxford 19363 48 low-income homes · Run by Housing Authority of the County of Chester · Average payment: $360 a month · Average wait: 7 months (610) 436-9200
  • Westminster PL @ Ware Presbyt 51 Lancaster Pike, Oxford 19363 31 low-income homes · 1 bd: 26 · 2 bd: 5 · In service since 2017 · For older adults

See all 51 buildings in Chester 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.

There is 1 HUD-approved agency with an office in Chester County; 1 says it serves in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

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 Chester County. The ones below are statewide in Pennsylvania: they work in Oxford the same as in the rest of the state.

Which programs do I qualify for? All programs in Pennsylvania

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.

  • Housing Partnership of Chester County

    41 W Lancaster Ave, Downingtown · 21 miles away · Spanish

    • Budget and financial counseling
    • Predatory lending workshops
    • and 2 more
    (610) 518-1522

  • Base,inc.

    447 S Prince St, Lancaster · 24 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (717) 392-5467

  • Tenfold

    308 E King St, Lancaster · 24 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (717) 397-5182

Every agency in Chester County All counseling agencies in Pennsylvania

Help in Spanish near Oxford

2 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

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

  • Housing Authority of the County of Chester Public housing and Section 8 vouchers (610) 436-9200

All housing agencies in Pennsylvania Source: HUD

Cities

Other cities in Chester County

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

Everything about Chester County Housing in Pennsylvania

Nearby cities

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

Neighboring counties

If Chester 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 smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Oxford

Short answers with the numbers for Oxford and all of Chester 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 $313,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Chester County it is $485,600.

How much does it cost to rent in Oxford?

Typical rent in Oxford is $1,308 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Chester County is $1,860.

What is the FHA loan limit in Oxford?

Oxford uses the FHA limit for all of Chester County (2026): $630,200 for a one-unit home and $1,211,950 for a four-unit home.

How much property tax do owners pay in Oxford?

The typical homeowner in Oxford pays $5,620 a year, according to the U.S. Census Bureau. That is 1.79% of the home’s value; in Chester County, the rate is 1.3%.

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

There is 1 HUD-approved counseling agency with an office in Chester County. 1 says it serves in Spanish. 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).