HomeAlabamaCalhoun CountyOxford
Oxford, Alabama: commercial real estate data.
Oxford is a Census city of 22,063 people across 31.91 square miles of land, lying across Calhoun County and Talladega County. Median household income is $74,268, 75.1 percent of occupied homes are owned, and the SBA record carries 9 7(a) approvals to borrowers here worth $7.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Oxford
What Oxford is
- Census place typecity
- Land area31.91 sq mi
- Water area0.36 sq mi
- Population per square mile of land691
- County holding the largest share of its areaCalhoun County, 79.5 percent
- Counties this place lies inCalhoun County 79.5 percent, Talladega County 20.5 percent
Oxford crosses a county line. The split above is measured from the Census boundary of the place against the county boundaries, by area, so it says where the ground is and not where the town hall is.
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oxford
How many people live in Oxford
- Population22,063
- Median age38.3
- Population under 185,079
- Share under 1823.0 percent
- Population 65 and over3,678
- Share 65 and over16.7 percent
- Households8,347
- Family households5,745
- Share of households that are families68.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oxford
Income and work in Oxford
- Median household income$74,268
- Per capita income$35,530
- Civilian labor force10,871
- Employed10,276
- Unemployed595 plus or minus 203
- Unemployment rate5.5 percent plus or minus 1.8
- Adults 25 and over15,747
- Adults 25 and over with a high school diploma or higher88.4 percent
- Adults 25 and over with a bachelor degree or higher24.8 percent
- Adults 25 and over with a graduate degree11.0 percent plus or minus 2.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oxford
Housing in Oxford
- Housing units9,320
- Occupied units8,347
- Vacant units973 plus or minus 260
- Vacancy rate10.4 percent plus or minus 2.8
- Owner occupied6,270
- Renter occupied2,077
- Ownership rate75.1 percent
- Median owner-occupied home value$170,900
- Median gross rent, monthly$925
- Annual rent as a share of median income14.9 percent
- Single family units7,333
- Share single family78.7 percent
- Units in buildings of two or more885 plus or minus 312
- Share in buildings of two or more9.5 percent plus or minus 3.3
- Mobile homes1,102 plus or minus 260
- Median year structure built1983
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oxford
How Oxford gets to work
- Workers 16 and over who commute9,735
- Commuting under 15 minutes2,397
- Share commuting under 15 minutes24.6 percent
- Commuting 30 minutes or more2,555
- Share commuting 30 minutes or more26.2 percent
- Drove alone84.1 percent
- Carpooled10.4 percent plus or minus 4.3
- Public transport0.3 percent plus or minus 0.4
- Walked0.7 percent plus or minus 0.6
- Worked from home4.2 percent plus or minus 1.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oxford
SBA loans in Oxford (7(a))
- Approvals9
- Gross approval$7,849,200
- Average approval$872,133
- Median approval$132,900
- Largest approval$3,582,500
- Jobs supported61
- Jobs per approval6.8
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more22.2 percent
- Share to franchises22.2 percent
- Distinct lenders7
- Distinct industries by NAICS7
Counted by borrower city: approvals to borrowers whose address is in Oxford, in any county, FY2020 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Oxford
SBA loans in Oxford (504)
- Approvals9
- Gross approval$3,608,000
- Average approval$400,889
- Median approval$286,000
- Largest approval$1,320,000
- Jobs supported41
- Loans with a final outcome4
- Charged off0
- Median term300 months
- Distinct CDCs4
Counted by borrower city: approvals to borrowers whose address is in Oxford, in any county, FY2010 to FY2026. Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Oxford
Flood risk in Oxford
- NFIP communityCity of Oxford
- NFIP community number010023
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date03/16/16
The City of Oxford participates in the National Flood Insurance Program as community 010023 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Calhoun County, not Oxford
Calhoun County context, not Oxford figures
- Establishments in Calhoun County2,232
- Covered employment, Calhoun County43,778
- Average annual pay, Calhoun County$51,354
- Housing units permitted, Calhoun County138
Every figure in this section is published for Calhoun County as a whole and is not a measurement of Oxford.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Oxford questions, answered from the record.
How many people live in Oxford, Alabama?
22,063, in 8,347 households. Oxford city covers 31.91 square miles of land, which is 691 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Oxford in?
Oxford lies in more than one. By area it is 79.5 percent in Calhoun County, 20.5 percent in Talladega County. This page sits under Calhoun County because that county holds the largest share. The split is measured from the Census boundary of the place against the county boundaries.
What is the median household income in Oxford?
$74,268. The median owner-occupied home is valued at $170,900. Median gross rent is $925 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Oxford businesses?
9 7(a) approvals totaling $7.8 m since FY2020, across 7 lenders, median approval $132,900, plus 9 504 approvals worth $3.6 m since FY2010. These count approvals to borrowers whose address is in Oxford, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Oxford borrowers get paid back?
No rate is published for Oxford. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Oxford in the National Flood Insurance Program?
Yes. Oxford appears in the FEMA Community Status Book as Oxford, city of, community 010023, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Oxford figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Calhoun County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Oxford.
Is zoning published for Oxford?
No. Nothing on this page presents parcel level zoning.