Oxford County, Maine: commercial real estate data.
Oxford County, Maine had an estimated 60,039 residents on July 1, 2024, up 4.0 percent since the 2020 census base of 57,756, across 2,077 square miles. County output reached $2.58 bn in 2024, 1,381 establishments operate here, and the SBA record carries 84 7(a) approvals worth $11.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Oxford County
How many people live in Oxford County
- Population, American Community Survey 2020-202459,255
- Households24,140
- Average household size2.45
- Median household income$60,173
- Median age48.2
- Median gross rent$836 per month
- Median owner-occupied home value$217,300
- Home value to household income3.6 times
- Annual rent as a share of median income16.7 percent
- Adults 25 and over with a bachelor degree or higher24.0 percent
- Adults 25 and over with a graduate degree8.1 percent
- Adults 25 and over45,112
- Population under 1810,452
- Share under 1817.6 percent
- Population 65 and over14,181
- Share 65 and over23.9 percent
- Working age population, 18 to 6434,622
- Civilian labor force28,402
- Unemployment rate4.3 percent
- Labor force participation, adults 18 and over58.2 percent
- Rank by population among Maine counties7th of 16
- Rank by population among US county-equivalents, Puerto Rico included905th of 3,222
Oxford County is the 7th largest of 16 Maine counties by population. A median home costs 3.6 times median household income, which is moderately unaffordable by national standards. Residents 65 and over outnumber those under 18, at 23.9 percent against 17.6 percent, which points demand at health care, services and single story product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Oxford County
Is Oxford County's population growing?
- Population, July 1, 202460,039
- Census 2020 base population57,756
- Population change since the 2020 census base3.95 percent
- Population change, 2023 to 2024-76
- Births, 2024492
- Deaths, 2024818
- Natural change, 2024-326
- Net domestic migration, 2024222
- Net international migration, 202426
- Total net migration, 2024248
- Cumulative net domestic migration, 2021 to 20243,341
- Rank by growth among US county-equivalents698th of 3,144
The county has grown 3.95 percent since the 2020 census base. Deaths exceeded births in 2024 by more than net migration added, so the population fell even though more people moved in than left.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Oxford County
Where are people moving to Oxford County from?
- Tax returns filed by households arriving1,878
- People arriving, from those returns3,182
- Tax returns filed by households leaving1,349
- Net household movement529
- Adjusted gross income arriving$163.4 m
- Net adjusted gross income movement$86.3 m
- Average income of an arriving household$87,012
- Average income of a leaving household$57,170
- Largest single originCumberland County (330 households)
- Largest single destinationCumberland County (246 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Cumberland County | 330 | 537 | $21.4 m |
| Androscoggin County | 328 | 577 | $16.2 m |
| York County | 140 | 209 | $6.6 m |
| Carroll County | 84 | 159 | $4.3 m |
| Kennebec County | 65 | 120 | $2.6 m |
| Franklin County | 56 | 97 | $4.0 m |
| Middlesex County | 45 | 84 | $5.9 m |
| Essex County | 33 | 61 | $5.4 m |
Households arriving report $29,842 more average income than households leaving, so the migration is raising local spending power rather than just moving it around. The largest single source of arrivals is Cumberland County, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Oxford County
What is the Oxford County economy?
- County GDP, 2024$2.58 bn
- County GDP, 2023$2.50 bn
- GDP change, 2023 to 20243.2 percent
- GDP change over five years35.5 percent
- Rank by GDP among the Maine areas BEA publishes10th of 16
- Rank by GDP among the US county areas BEA publishes1088th of 3,127
- GDP per resident$43,484
Output grew 3.2 percent in the latest year and 35.5 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Oxford County
Employment by industry in Oxford County
- Covered employment, annual average17,009
- Establishments reporting1,839
- Average annual pay$50,809
- Average weekly wage$977
- Health care and social assistance, employment2,442
- Health care and social assistance, average annual pay$55,771
- Retail trade, employment2,404
- Retail trade, average annual pay$37,905
- Accommodation and food services, employment2,128
- Accommodation and food services, average annual pay$31,815
- Manufacturing, employment2,055
- Manufacturing, average annual pay$72,791
- Construction, employment1,041
- Arts, entertainment and recreation, employment758
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Health care and social assistance | 2,442 | 141 | $55,771 |
| Retail trade | 2,404 | 216 | $37,905 |
| Accommodation and food services | 2,128 | 156 | $31,815 |
| Manufacturing | 2,055 | 59 | $72,791 |
| Construction | 1,041 | 244 | $60,842 |
| Arts, entertainment and recreation | 758 | 38 | $35,312 |
| Other services, except public administration | 422 | 122 | $37,257 |
| Professional, scientific and technical services | 403 | 222 | $84,926 |
Health care and social assistance is the largest private sector at 2,442 jobs, 14.4 percent of covered employment.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Oxford County
How many businesses are in Oxford County?
- Establishments, all industries1,381
- Employment at those establishments14,143
- Annual payroll$694.2 m
- Establishments per 1,000 residents23.3
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against. County Business Patterns counts private establishments with paid employees in March 2023, while the Quarterly Census of Employment and Wages above counts every unemployment-insured employer, public ones included, as a 2024 annual average, so the two establishment and employment counts differ.
US Census Bureau, County Business Patterns, 2023.
Oxford County
Building permits in Oxford County
- Housing units authorized by permit, 2024372
- Declared construction value permitted$120.4 m
- Single family units authorized362
- Multifamily units authorized10
- Multifamily share of units2.7 percent
- Average declared value per unit$323,562
- Units authorized per 1,000 households15.4
Single-family homes are 97.3 percent of units authorized, so the pipeline is predominantly single-family.
US Census Bureau, Building Permits Survey, 2024 annual.
Oxford County
SBA loans in Oxford County (7(a) and 504)
- 7(a) approvals recorded84
- 7(a) gross approval dollars$11.5 m
- Average 7(a) approval$137,304
- Median 7(a) approval$69,000
- 10th percentile approval$20,900
- 90th percentile approval$291,750
- Largest single approval$1,100,000
- Jobs reported supported, 7(a)309
- Jobs per approval3.7
- Distinct 7(a) lenders active14
- Distinct industries receiving approvals45
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer10.7 percent
- Loans on real estate terms9
- Loans on working capital terms, 120 months or shorter73
- Franchise loans1
- Franchise share of approvals1.2 percent
- Leading industry by approval countGeneral Freight Trucking, Local (9)
- Most active lenderTD Bank, National Association (39)
- 504 approvals recorded22
- 504 gross approval dollars$11.6 m
- Average 504 approval$526,955
- Median 504 approval$311,000
- Distinct CDCs active3
- 504 jobs per approval9.5
- 504 jobs per million dollars approved17.9
- Most active CDCGranite State Economic Development Corporation (19)
- Combined SBA approval dollars, 7(a) FY2020 to FY2026 and 504 FY2010 to FY2026$23.1 m
The average approval of $137,304 sits well above the median of $69,000, pulled up by a few larger deals, so the median is the better guide to what a typical borrower here gets. Only 10.7 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Oxford County
SBA loan default and charge-off rates in Oxford County
Do SBA loans in Oxford County get paid back?
- Loans with a final outcome recorded14
- Paid in full14
- Charged off0
- Status: Paid in full14
- Status: Exempt from disclosure53
- Status: Cancelled12
- Status: Committed, not yet disbursed5
Only 14 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
Compare against the national and state SBA charge-off rates, computed the same way over resolved loans only.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Oxford County
SBA lending by place in Oxford County
- Borrower cities with recorded lending21
- Oxford, approvals11
- Norway, approvals9
- Fryeburg, approvals8
- South Paris, approvals8
- Porter, approvals7
- West Paris, approvals6
| Borrower city | Approvals | Gross approval dollars |
|---|---|---|
| Oxford | 11 | $2,131,500 |
| Norway | 9 | $870,500 |
| Fryeburg | 8 | $898,900 |
| South Paris | 8 | $626,000 |
| Porter | 7 | $252,000 |
| West Paris | 6 | $335,000 |
| Rumford | 5 | $1,423,700 |
| Bethel | 5 | $1,291,300 |
| 13 other borrower cities | 25 | $3,704,600 |
Oxford accounts for 11 approvals against 9 in Norway. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Oxford County
How large is Oxford County?
- Land area2,077 sq mi
- Rank by land area among Maine counties6th of 16
- Width, east to west41.6 mi
- Height, north to south106.6 mi
- Geographies sharing a boundary6
- Residents per square mile of land29
- Establishments per square mile0.66
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Oxford County
Flood risk in Oxford County
- Communities in the county in the NFIP Community Status Book55
- Of those, participating in the NFIP54
- NFIP participation rate98.2 percent
- Communities carrying a CRS class0
- Radon levels in Oxford County, EPA zone predicted average indoor radon screening level greater than 4 pCi/LZone 1
The EPA places Oxford County in radon zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. The zone is a screening prediction for the county and does not substitute for a test at an address. 98.2 percent of the county's listed communities participate in the National Flood Insurance Program, per Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26. US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Coverage
What this page does not hold.
Traffic counts, 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 →
Feasibility studies
When a Oxford County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Oxford County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population, American Community Survey 2020-202459,255
- Households24,140
- Average household size2.45
- Median household income$60,173
- Median age48.2
Common questions
Oxford County questions, answered from the record.
How many people live in Oxford County, Maine?
The Census Bureau estimates 60,039 residents on July 1, 2024 (US Census Bureau, Population Estimates Program, Vintage 2024). The American Community Survey 2020-2024 five-year estimate is 59,255, in 24,140 households, ranking 7th of 16 Maine counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Oxford County's population growing?
The population has grown 3.95 percent since the 2020 census base of 57,756, to 60,039 on July 1, 2024. In 2024 there were 492 births against 818 deaths, with net migration of 248. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Oxford County?
$60,173. The median owner-occupied home is valued at $217,300, which is 3.6 times income, and median gross rent is $836 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are in Oxford County?
1,381 establishments, employing 14,143 people with an annual payroll of $694.2 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is employment by industry in Oxford County?
Health care and social assistance is the largest private sector at 2,442 jobs, 14.4 percent of covered employment. Covered employment averages 17,009 jobs at an average annual pay of $50,809, or $977 a week. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Oxford County?
84 7(a) approvals totaling $11.5 m since FY2020, across 14 lenders, with a median approval of $69,000, plus 22 504 approvals worth $11.6 m since FY2010. These are approvals recorded in the release, not loans disbursed.
How many building permits were issued in Oxford County?
372 housing units were authorized by permit in 2024, with a declared construction value of $120.4 m. Multifamily was 2.7 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Oxford County?
Zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Oxford County come from?
The largest single origin is Cumberland County, with 330 households. Arriving households report an average income of $87,012 against $57,170 for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Oxford County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Oxford County?
No. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame, to be confirmed locally.
Oxford County
Cities and places in Oxford.
9 Census places lie wholly or partly in Oxford County. All 9 carry enough published place level data for a page of their own and are linked.
| Place | Type | Population | SBA 7(a) approvals, projects in this county | Lies in |
|---|---|---|---|---|
| Rumford | CDP | 4,067 | 5 | Wholly in this county |
| Norway | CDP | 3,173 | 9 | Wholly in this county |
| South Paris | CDP | 2,210 | 8 | Wholly in this county |
| Mexico | CDP | 2,142 | 1 | Wholly in this county |
| Dixfield | CDP | 1,738 | 3 | Wholly in this county |
| Fryeburg | CDP | 1,484 | 8 | Wholly in this county |
| Oxford | CDP | 1,106 | 11 | Wholly in this county |
| Kezar Falls | CDP | 819 | None recorded | 44.2 percent here, 55.8 percent York County |
| Bethel | CDP | 537 | 5 | Wholly in this county |
A further 34 of the county's 84 SBA 7(a) approvals are to borrowers in cities that match no Census place in Oxford County, the largest being Porter (7), West Paris (6), Brownfield (4). Those are postal cities, unincorporated areas and cities outside the county, so no place row claims them; they are counted in the county total above.