Oxford, New York.
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to buy the typical home at today's mortgage rate — +$1,478 (+116%) since Jan 2020.
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.
- New York$2,755
- United States$1,922
Living in Oxford, Chenango County, New York
Oxford is a village of 1,330 people in Chenango County. Half its households earn more than $56,250 a year and half less, against $62,948 across Chenango County; 15% of its people live below the poverty line. 70% of its homes are lived in by their owners and 30% are rented. Unemployment in Chenango County was 3.7% in August 2026, and the county had 2.6% more jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
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 It can be wrong or out of date.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 small village in Chenango County, home to a small community where most households own the place they live in. Incomes here run below the county's, and a smaller share of adults hold a four-year degree than in many towns. Winters are cold, with a good deal of snow, and summers are warm without being hot.
Work. Residents work mostly in schools, hospitals and social care, with shops, manufacturing, and transport and warehousing also employing many. Across Chenango County, some of the largest workplaces are The Raymond, which makes trucks and industrial equipment, Chobani-New Berlin, a yogurt manufacturer, and the Norwich City School District. The typical commute is a moderate one, and few people work from home.
Things to do. Bowman Lake State Park, a protected area, and Guilford Lake are both a short drive away, and Guilford Creek, a river, is close by as well. The Northeast Classic Car Museum, also a short drive away, is a place to spend an indoor afternoon when the snow sets in.
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- 610households
- 18%of adults have a degree
- 15%below the poverty line
- 24 mintypical commute
- 7%work from home
What residents work in
Employed residents by industry, from the Census survey. Chenango County had 17,735 jobs in 2025, 2.6% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 32° and lows near 12°; warmest in July, with highs near 81° and lows near 57°. About 75 inches of snow and 45 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Norwich weather station, 6 miles away (NOAA).
Largest workplaces in Chenango County
- The RaymondTrucks, industrial, manufacturing2,074
- Chobani-New BerlinYogurt manufacturing982
- Unison Norwich401
- Norwich City School DistrictSchool district322FTE
- WalmartWarehouse clubs and supercenters321
- Sherburne-earlville Central School DistrictSchool district318FTE
- AlvogenPharmaceutical preparations manufacturing312
- Chenango Memorial HospitalGeneral hospital311FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 34 workplaces with 20 or more staff, 6,500 people in all across the county; Oxford has one of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); 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
- Inland floodingRelatively high
- Winter weatherRelatively moderate
- Cold wavesRelatively moderate
- LightningRelatively moderate
- TornadoesRelatively moderate
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 Chenango County.
Oxford home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
Not enough data to draw this yet.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Oxford16
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.