Oxford, Maryland.
Typical home $898,350 (+0.6% in a year). Easton, MD metro.
to buy the typical home at today's mortgage rate — +$2,609 (+124%) since Jan 2020.
- 1 year
- Up $5,775 +1%
- $892,576$898,350 since Sep 2025
- 5 years
- Up $170,608 +23%
- $727,742$898,350 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Oxford$4,715
- Maryland$2,230
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 16 years.
Typical home values in Oxford, MD rose 0.6% over the past year — slower than the nation's +1.2%.
Living in Oxford, Talbot County, Maryland
Oxford is a town of 611 people in Talbot County. Half its households earn more than $83,207 a year and half less, against $84,811 across Talbot County; 13% of its people live below the poverty line. Unemployment in Talbot County was 3.5% in August 2026, and the county had 1.4% more jobs in 2025 than the year before. The most people in Talbot County work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Oxford is a very small waterfront town on Maryland's Eastern Shore, with a population that has stayed small for a long time. Household incomes run a little below the county's, and homes here are valued well above what is typical across most of the country. Winters are cold but not extreme, summers are hot, and the town gets a moderate amount of snow and a fair amount of rain through the year.
Work. Many residents work in schools, hospitals and social care, followed by professional and business services, and then restaurants, hotels and entertainment, with shops close behind. Across Talbot County, the largest workplaces include Memorial Easton, Talbot County Public Schools and Chesapeake College. Unemployment across the county is lower than it was a year earlier, and the number of jobs has edged up.
Things to do. Water is the main draw. The Tred Avon River runs in or beside town, and the Chesapeake Bay Maritime Museum is a short drive away. Also a short drive off is the Avalon Theatre, and the Choptank River is nearby too, with Blackwater National Wildlife Refuge a longer drive away for those who want open country.
Report a mistake
- 13%below the poverty line
What people in Talbot County work in
Employed residents by industry, from the Census survey. Talbot County had 18,470 jobs in 2025, 1.4% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 45° and lows near 29°; warmest in July, with highs near 88° and lows near 70°. About 14 inches of snow and 48 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Royal Oak Ssw weather station, 2 miles away (NOAA).
Largest workplaces in Talbot County
- Memorial EastonGeneral hospital927FTE
- Talbot County Public SchoolsSchool district708FTE
- Qlarant Integrity SolutionsQuantity surveyor services433
- Chesapeake CollegeTwo-year college417
- ACTS Retirement Life Communities - Bayleigh ChaseContinuing care retirement communities300
- Aphena Pharma SolutionsPackaging, plastics, manufacturing198
- WalmartDiscount department stores183
- Easton Utilities CommissionPublic utility commissions, nonoperating179
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 46 workplaces with 20 or more staff, 5,717 people in all across the county; Oxford has none of its own. Hospitals come from their Medicare cost reports (CMS, 2023), school districts from the Common Core of Data (NCES, 2023–24) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Coastal floodingRelatively high
- DroughtRelatively high
- LightningRelatively high
- Heat wavesRelatively high
- Strong windRelatively high
- Winter weatherRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Oxford’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Talbot County and the Easton, MD metro.
Oxford home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Oxford$898,350
- Maryland$424,890
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Oxford14
New listings per month
Sellers arriving at the market.
Not enough data to draw this yet.
Zip codes with a Oxford address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Oxford — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.