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Oxford town, MD

ZIP 21654 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 21654

Median Home Value
$802,000
Median Rent
$1,117
Affordability Snapshot
$221,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,152/mo PITI).

15%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

9.1x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

59.8 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 21654 in Oxford town, MD, a household would need roughly $221,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $5,152. That is about 150% above the local median household income ($88,512), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 33% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.8%+33% vs US avg
x
Vacancy Rate
33.3%+223% vs US avg
x
Broadband Access
98.8%+14% vs US avg
x
4+ Bedrooms
20.2%+36% vs US avg
x
Built Pre-1939
3.8%-71% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
32.5%-35% vs US avg
x
Mortgage-Free
33.3%-13% vs US avg
x
$802,000
Home Value
$1,117
Rent
1974
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached91.9%
  • 1-unit attached4.1%
  • 2-9 units4.0%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$802,000
Median rent$1,117
Owner-occupied86.8%
Vacant33.3%
Price-to-income9.1x
Est. income to buy$221,000