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📍 Oxford, FL · Zillow ZHVI · July 2026

Average Home Price in
Oxford, FL

The Villages, FL metro area · Sumter County County

Median Home Value
$355,758
↓ 0.8% year-over-year
vs. National Median
$410,000
Oxford is 13% below
Est. Monthly Payment
$1,855/mo
20% down · 6.8% rate
Income Needed
$94K
gross annual (30% rule)
Median Home Value
$355,758
↓ 0.8% year-over-year
Down Payment (20%)$71,152
Monthly P&I$1,855/mo
With Taxes & Ins.~$2,356/mo
Income Needed$94,240/yr
Data SourceZillow ZHVI
Market Overview

Home Prices in Oxford, FL

The median home value in Oxford, FL is $355,758 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 0.8% compared to a year ago and down 1.8% from two years prior.

Compared to the U.S. national median of $410,000, homes in Oxford are priced13% below average. Oxford is part of the The Villages, FL metro area.

City Comparison

Oxford vs. National Median

🏠 Oxford
$355,758
National Median
$410,000

At $355,758, homes in Oxford cost 13% 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
$71,152
on $355,758
Monthly P&I
$1,855/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,356/mo
incl. taxes & insurance
Income Needed
$94,240
gross annual (30% rule)
10% Down Option
$35,576
+ PMI applies
Loan Amount (20% dn)
$284,606
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, FL?
The median home value in Oxford is $355,758 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 0.8% year-over-year.
How much have home prices changed in Oxford?
Over the past year, home values in Oxford have decreased by 0.8%.
How much do I need to earn to buy a home in Oxford?
To comfortably afford the median home price of $355,758 with a 20% down payment ($71,152) at today's rates (6.8%), you'd need a gross annual income of approximately $94,240. 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 $355,758, homes in Oxford are 13% below the national average.
What metro area is Oxford part of?
Oxford is part of the The Villages, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.