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Oxford city, IA

ZIP 52322 — 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 52322

Median Home Value
$249,100
Median Rent
$724
Affordability Snapshot
$69,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,600/mo PITI).

15%
Rent-to-Income Ratio

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

4.2x
Home Price-to-Income Ratio

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

28.7 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 52322 in Oxford city, IA, a household would need roughly $69,000 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 $1,600. That is about 16% above the local median household income ($59,688), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
86.0%+31% vs US avg
x
Vacancy Rate
3.5%-66% vs US avg
x
Broadband Access
91.4%+5% vs US avg
x
4+ Bedrooms
7.7%-48% vs US avg
x
Built Pre-1939
2.4%-81% vs US avg
x
Built Post-2014
1.2%-82% vs US avg
x
Rent Burden >30%
29.7%-40% vs US avg
x
Mortgage-Free
46.2%+21% vs US avg
x
$249,100
Home Value
$724
Rent
1976
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 detached74.1%
  • 1-unit attached4.9%
  • 2-9 units5.3%
  • 10+ units2.2%
  • Mobile home & other13.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$249,100
Median rent$724
Owner-occupied86.0%
Vacant3.5%
Price-to-income4.2x
Est. income to buy$69,000