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Oxford city, OH

ZIP 45056 — 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 45056

Median Home Value
$247,700
Median Rent
$844
Affordability Snapshot
$68,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,591/mo PITI).

19%
Rent-to-Income Ratio

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

4.6x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

24.5 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 45056 in Oxford city, OH, a household would need roughly $68,000 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 $1,591. That is about 27% above the local median household income ($53,413), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
50.3%-23% vs US avg
x
Vacancy Rate
16.0%+55% vs US avg
x
Broadband Access
88.0%+1% vs US avg
x
4+ Bedrooms
5.1%-66% vs US avg
x
Built Pre-1939
2.1%-84% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
31.2%-37% vs US avg
x
Mortgage-Free
43.1%+13% vs US avg
x
$247,700
Home Value
$844
Rent
1984
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached55.2%
  • 1-unit attached6.0%
  • 2-9 units21.2%
  • 10+ units16.1%
  • Mobile home & other1.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$247,700
Median rent$844
Owner-occupied50.3%
Vacant16.0%
Price-to-income4.6x
Est. income to buy$68,000