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Oxford city, NC

ZIP 27565 — 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 27565

Median Home Value
$193,400
Median Rent
$681
Affordability Snapshot
$53,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,242/mo PITI).

14%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

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

23.7 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 27565 in Oxford city, NC, a household would need roughly $53,000 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 $1,242. That sits below the local median household income ($59,406), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
69.1%+6% vs US avg
x
Vacancy Rate
14.8%+44% vs US avg
x
Broadband Access
84.3%-3% vs US avg
x
4+ Bedrooms
1.7%-88% vs US avg
x
Built Pre-1939
5.3%-58% vs US avg
x
Built Post-2014
1.4%-80% vs US avg
x
Rent Burden >30%
22.3%-55% vs US avg
x
Mortgage-Free
47.3%+24% vs US avg
x
$193,400
Home Value
$681
Rent
1980
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 detached72.9%
  • 1-unit attached1.4%
  • 2-9 units7.4%
  • 10+ units2.4%
  • Mobile home & other16.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$193,400
Median rent$681
Owner-occupied69.1%
Vacant14.8%
Price-to-income3.3x
Est. income to buy$53,000