HomeAlabamaCalhoun CountyOxford city
Oxford city, Alabama: commercial real estate data.
Oxford city 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.
77 sourced place values · tier FULL · 8 sections · 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 city 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
- Ninetieth percentile approval$3,582,500
- 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
A charge-off rate is not published here. only 0 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
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
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Calhoun County, not Oxford
Calhoun County context, not Oxford figures
These are Calhoun County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Oxford measurements.
- Establishments in Calhoun County2,232
- Employment at those establishments, Calhoun County34,577
- Covered employment, Calhoun County43,778
- Average annual pay, Calhoun County$51,354
- Average weekly wage, Calhoun County$988
- Housing units permitted, Calhoun County138
- Of those, single family, Calhoun County126
- County product, 2024, Calhoun County$6,287,502,000
- County product change over the prior year, Calhoun County4.4 percent
- Average income of an arriving household, Calhoun County$48,900
Every figure in this section is published for Calhoun County as a whole and is not a measurement of Oxford. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $7.8 m, across 7 lenders, median approval $132,900, plus 9 504 approvals worth $3.6 m. 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 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Are the county figures on this page Oxford figures?
No, and they are labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.