The typical owner-occupied home in New Oxford is worth about $214,000, 16% below the Pennsylvania median of $254,500 and 36% below the national median of $332,700. Owners pay a median $3,061 a year in property taxes, about 1.43% of their home's value, higher than the Pennsylvania rate of 1.30%. The median household earns $63,000 a year, so the median home costs 3.4 times the median income (3.3 times for Pennsylvania). 53% of occupied homes here are lived in by their owners, and 65% of those owners still have a mortgage.
New Oxford at a glance
| New Oxford | Pennsylvania | U.S. | |
|---|---|---|---|
| Median home value | $214,000 | $254,500 | $332,700 |
| Median property tax paid per year | $3,061 | $3,311 | $3,119 |
| Property tax as a share of value | 1.43% | 1.30% | 0.94% |
| Median household income | $63,000 | $77,971 | $80,734 |
| Homes lived in by their owners | 53% | 69% | 65% |
| Owner homes with a mortgage | 65% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,563 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 22.1% | 19.4% | 21.0% |
| Median rent | $1,080 | $1,209 | $1,413 |
| Rent as a share of renters' income | 33.0% | 29.2% | 30.6% |
| Median year homes were built | 1968 | 1965 | 1980 |
| Vacant homes | 5.3% | 9.2% | 10.1% |
| Population | 1,675 | 13,018,639 | 334,922,499 |
What a typical home costs per month in New Oxford
At this week's average 30-year rate of 7.11%, buying the median New Oxford home of $214,000 with 20% down costs about $1,496 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,852, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $64,108 for the 20%-down payment. That payment is 28% of the median New Oxford household income of $63,000; at that income and 20% down, the 28% guideline points to a home of about $210,000.
The median rent here is $1,080 a month, so owning the median home costs about $416 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $42,800 |
|---|---|
| Loan amount | $171,200 |
| Principal and interest | $1,152 |
| Property taxes (1.43% a year) | $255 |
| Homeowners insurance (our estimate, 0.5% a year) | $89 |
| PMI | $0 |
| Total per month | $1,496 |
Change the numbers in the calculator
| Down payment | $7,490 |
|---|---|
| Loan amount | $210,124 |
| Principal and interest | $1,414 |
| Property taxes (1.43% a year) | $255 |
| Homeowners insurance (our estimate, 0.5% a year) | $89 |
| FHA mortgage insurance | $95 |
| Total per month | $1,852 |
Change the numbers in the calculator
Questions about home buying in New Oxford
What is the median home value in New Oxford?
About $214,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in New Oxford?
Homeowners pay a median $3,061 a year, which is about 1.43% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in New Oxford?
For the median home with 20% down at 7.11%, the payment is about $1,496 a month. Keeping that under 28% of gross income takes about $64,108 a year.
More about New Oxford
- Mortgage Refinance in New Oxford
- Debt Relief in New Oxford
- Home Equity Loans in New Oxford
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data