Market Overview
Home Prices in Oxford, AL
The median home value in Oxford, AL is $198,830 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.5% compared to a year ago and up 2.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Oxford are priced52% below average. Oxford is part of the Anniston-Oxford, AL metro area.
Over the past five years, Oxford home values have risen by approximately19.8%, reflecting steady appreciation in this market.
Price History
Oxford Home Price Trend
2020
$148,019
$148K
—
2021
$165,999
$166K
+12.1%
2022
$182,160
$182K
+9.7%
2023
$187,899
$188K
+3.2%
2024
$191,709
$192K
+2.0%
2025
$195,983
$196K
+2.2%
2026
$198,830
$199K
+1.5%
City Comparison
Oxford vs. National Median
🏠 Oxford
$198,830
National Median
$410,000
At $198,830, homes in Oxford cost 52% below the national median of $410,000. This makes Oxford a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Oxford?
20% Down Payment
$39,766
on $198,830
Monthly P&I
$1,037/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,317/mo
incl. taxes & insurance
Income Needed
$52,680
gross annual (30% rule)
10% Down Option
$19,883
+ PMI applies
Loan Amount (20% dn)
$159,064
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Oxford, AL?
The median home value in Oxford is $198,830 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.5% year-over-year.
How much have home prices changed in Oxford?
Over the past year, home values in Oxford have increased by 1.5%. Over five years, prices have risen approximately 19.8%.
How much do I need to earn to buy a home in Oxford?
To comfortably afford the median home price of $198,830 with a 20% down payment ($39,766) at today's rates (6.8%), you'd need a gross annual income of approximately $52,680. This assumes keeping total housing costs at or below 30% of gross income.
How does Oxford compare to the national average home price?
The national median home value is approximately $410,000. At $198,830, homes in Oxford are 52% below the national average.
What metro area is Oxford part of?
Oxford is part of the Anniston-Oxford, AL metropolitan area. Home prices and market conditions can vary across the broader metro region.