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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

New Oxford, PA Housing Affordability Index

New Oxford, Pennsylvania has an MBR Housing Affordability Index score of 110.2 (More Affordable Than Average) as of October 30, 2026, ranking 1053rd most affordable of 1,325 scored Pennsylvania cities, compared with 108.3 statewide and 97.4 nationally. On a median-priced $214,000 home with 20% down, the Pennsylvania average 30-year fixed rate of 7.23% means a monthly principal and interest payment of about $1,166, or 22% of the city’s $63,000 median household income.

The MBR Housing Affordability Index (MBR-HAI) for New Oxford is updated every night from live Pennsylvania mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

New Oxford MBR-HAI 110.2 More Affordable Than Average
Rank in Pennsylvania 1,053 of 1,325 1 = most affordable
Pennsylvania 108.3 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.23% Pennsylvania lenders
Median home value $214,000 U.S. Census Bureau

New Oxford is 1.9 points above the Pennsylvania score. Scores as of October 30, 2026. See the Pennsylvania index

View New Oxford Mortgage Rates

What It Takes to Buy in New Oxford

$1,166/mo
Principal & Interest
Median home, 20% down, 7.23%
$50,000
Income Needed
To keep the payment at 28% of income
$63,000
Median Household Income
Pennsylvania: $77,971
3.4x
Price-to-Income Ratio
Pennsylvania: 3.3x
$1,135/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,809/yr
Median Property Tax
1.31% of median value
13.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
57.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for New Oxford, Pennsylvania. The rate is the Pennsylvania average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the New Oxford Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. New Oxford, Pennsylvania score: 110.2 (More Affordable Than Average), ranked 1,053 of 1,325 Pennsylvania cities. monitorbankrates.com/housing-affordability-index/pennsylvania/new-oxford”