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Oxford city, AL

ZIP 36203 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 36203

Median Home Value
$166,000
Median Rent
$727
Affordability Snapshot
$46,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,066/mo PITI).

13%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.0 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 36203 in Oxford city, AL, a household would need roughly $46,000 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 $1,066. That sits below the local median household income ($65,920), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
72.2%+10% vs US avg
x
Vacancy Rate
9.3%-10% vs US avg
x
Broadband Access
89.1%+2% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
1.7%-86% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
22.9%-54% vs US avg
x
Mortgage-Free
37.6%-1% vs US avg
x
$166,000
Home Value
$727
Rent
1986
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached72.7%
  • 1-unit attached2.4%
  • 2-9 units8.4%
  • 10+ units2.5%
  • Mobile home & other14.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$166,000
Median rent$727
Owner-occupied72.2%
Vacant9.3%
Price-to-income2.5x
Est. income to buy$46,000