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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

Oxford, PA Housing Affordability Index

Oxford, Pennsylvania has an MBR Housing Affordability Index score of 87.0 (Moderately Less Affordable) as of October 30, 2026, ranking 1293rd most affordable of 1,325 scored Pennsylvania cities, compared with 108.3 statewide and 97.4 nationally. On a median-priced $313,800 home with 20% down, the Pennsylvania average 30-year fixed rate of 7.23% means a monthly principal and interest payment of about $1,710, or 30% of the city’s $67,733 median household income.

The MBR Housing Affordability Index (MBR-HAI) for 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.

Oxford MBR-HAI 87.0 Moderately Less Affordable
Rank in Pennsylvania 1,293 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 $313,800 U.S. Census Bureau

Oxford is 21.3 points below the Pennsylvania score. Scores as of October 30, 2026. See the Pennsylvania index

View Oxford Mortgage Rates

What It Takes to Buy in Oxford

$1,710/mo
Principal & Interest
Median home, 20% down, 7.23%
$73,300
Income Needed
To keep the payment at 28% of income
$67,733
Median Household Income
Pennsylvania: $77,971
4.6x
Price-to-Income Ratio
Pennsylvania: 3.3x
$2,153/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$5,960/yr
Median Property Tax
1.90% of median value
11.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
67.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Oxford Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Oxford, Pennsylvania score: 87.0 (Moderately Less Affordable), ranked 1,293 of 1,325 Pennsylvania cities. monitorbankrates.com/housing-affordability-index/pennsylvania/oxford”