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Oxford city, AL

ZIP 36260 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 36260

Median Home Value
$152,800
Median Rent
$542
Affordability Snapshot
$42,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$982/mo PITI).

11%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.5 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 36260 in Oxford city, AL, a household would need roughly $42,000 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 $982. That sits below the local median household income ($57,163), 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

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.7%+26% vs US avg
x
Vacancy Rate
12.4%+20% vs US avg
x
Broadband Access
83.8%-4% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
2.1%-84% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
38.7%+1% vs US avg
x
$152,800
Home Value
$542
Rent
1986
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 detached79.0%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other21.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$152,800
Median rent$542
Owner-occupied82.7%
Vacant12.4%
Price-to-income2.7x
Est. income to buy$42,000