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Oxford CDP, NJ

ZIP 07863 — 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 07863

Median Home Value
$276,300
Median Rent
$1,354
Affordability Snapshot
$76,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,775/mo PITI).

16%
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.

17.0 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 07863 in Oxford CDP, NJ, a household would need roughly $76,000 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 $1,775. That sits below the local median household income ($101,417), 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
88.9%+36% vs US avg
x
Vacancy Rate
1.1%-90% vs US avg
x
Broadband Access
88.1%+1% vs US avg
x
4+ Bedrooms
1.5%-90% vs US avg
x
Built Pre-1939
6.7%-47% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
16.9%-66% vs US avg
x
Mortgage-Free
40.6%+6% vs US avg
x
$276,300
Home Value
$1,354
Rent
1958
Year Built
2002
Moved In

Residents have lived here since ~2002 on average

Housing Structure

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

  • 1-unit detached81.1%
  • 1-unit attached7.2%
  • 2-9 units5.6%
  • 10+ units0.6%
  • Mobile home & other5.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$276,300
Median rent$1,354
Owner-occupied88.9%
Vacant1.1%
Price-to-income2.7x
Est. income to buy$76,000