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Oxford CDP, MA

ZIP 01540 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 01540

Median Home Value
$346,000
Median Rent
$973
Affordability Snapshot
$95,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,223/mo PITI).

10%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

29.6 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 01540 in Oxford CDP, MA, a household would need roughly $95,000 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 $2,223. That sits below the local median household income ($118,389), 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

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

Heating Fuel
Housing Metrics
Owner Occupied
83.6%+28% vs US avg
x
Vacancy Rate
4.4%-57% vs US avg
x
Broadband Access
90.0%+3% vs US avg
x
4+ Bedrooms
2.1%-86% vs US avg
x
Built Pre-1939
7.4%-42% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
50.8%+2% vs US avg
x
Mortgage-Free
30.5%-20% vs US avg
x
$346,000
Home Value
$973
Rent
1970
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached76.4%
  • 1-unit attached4.4%
  • 2-9 units17.2%
  • 10+ units1.9%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$346,000
Median rent$973
Owner-occupied83.6%
Vacant4.4%
Price-to-income2.9x
Est. income to buy$95,000