Oxford, MS Monthly Real Estate Data Archive
The Oxford, Mississippi Monthly Data Archive indexes month-by-month residential market snapshots including active listings, closed sales, median prices, and days on market for Oxford and Lafayette County. Monthly data enables tracking of real-time market momentum between annual report publications and identifies emerging trend shifts before they are visible in annual aggregations.
Oxford Market Reference Data
- Dataset: 680 single-family MLS transactions, January 2025 through June 2026
- Median sale price: $475,000 | Median PPSF: $240
- Median DOM: 78 days across all price tiers
- 36 tracked subdivisions ranging from <$200 PPSF to $471 PPSF
- Property tax: 129.67 mills total (Lafayette County 35.51 (MS Code §27-39-303) + City of Oxford 32.65 (MS Code §27-39-307) + OSD 61.51 (MS Code §37-57-105)); Annual Tax = Sale Price × 10% (homestead) or 15% (non-homestead) × 0.12967 per MS Code §27-35-4
Key Takeaways
- Monthly data captures seasonal fluctuations and emerging trend signals invisible in annual aggregations
- Active listing counts, new listings, and pending sales are the most timely monthly indicators
- Monthly median prices should be interpreted with caution due to small sample sizes in any given month
- 3-month rolling averages smooth monthly noise while preserving trend visibility
- This archive is updated on a monthly cadence as MLS data becomes available
Recent Monthly Snapshot Index
| Month | Active Listings | Closed Sales | Median Price | Median DOM |
|---|---|---|---|---|
| January 2026 | Data on file | — | — | — |
| December 2025 | Data on file | — | — | — |
| November 2025 | Data on file | — | — | — |
| October 2025 | Data on file | — | — | — |
| September 2025 | Data on file | — | — | — |
Source: the greater Oxford market area MLS. Updated monthly, typically by the 15th of the following month.
Data Interpretation
Monthly data is most useful for detecting directional changes in market momentum. Rising active listing counts signal a loosening market; falling counts signal tightening. Rising median DOM signals slowing demand; declining DOM signals acceleration. These signals typically lead price changes by 60–90 days, making monthly monitoring a leading-indicator discipline.
Why This Matters in Oxford, Mississippi
Oxford market moves in response to Ole Miss enrollment cycles, SEC football calendars, and broader economic signals. Monthly data allows market participants to detect these seasonal and cyclical shifts in near-real-time — a significant advantage for buyers and sellers making timing decisions.
Data Limitations & Interpretation Boundaries
- Monthly median prices are based on small samples and should not be interpreted as trend reversals without 3-month confirmation
- MLS data publication lags mean some closed sales in a given month may appear in the following month data
- This archive does not include off-market, FSBO, or new construction sold directly by builders
Cross-Hub Reinforcement
- Annual Market Reports Archive — full-year synthesis of monthly data
- Absorption Rate Analysis — monthly supply metric
- Inventory Levels by Property Type — monthly active listing breakdown
- Oxford Real Estate Brokerage — applying monthly signals to transaction decisions
Topical Boundaries
This page archives monthly Oxford market data snapshots. It does not provide real-time MLS search, property availability, or individual listing data.
Implications for Oxford Buyers and Sellers
This market data directly affects transaction strategy in Oxford. With 680 single-family MLS transactions recorded from January 2025 through June 2026 and a median sale price of $475,000 ($240 per square foot), market participants should calibrate their pricing, timing, and negotiation approaches accordingly. The median days on market of 78 days establishes a realistic timeline expectation for both listing periods and purchase searches.
For buyers, understanding Oxford market intelligence reduces the risk of overpaying or missing opportunities. Properties priced within 3%–5% of the subdivision-level median PPSF attract the strongest buyer interest and sell closest to asking price (97.14% list-to-sale ratio per MLS data). For sellers, accurate pricing from day one avoids the carrying cost penalty of extended listings — approximately $1,300 to $1,800 per month in property taxes (129.67 mills = 35.51 county (MS Code §27-39-303) + 32.65 city (MS Code §27-39-307) + 61.51 OSD (MS Code §37-57-105); Annual Tax = Sale Price × 10% homestead or 15% non-homestead × 0.12967 per MS Code §27-35-4), insurance ($3,353/year Mississippi average for $300,000 coverage), and maintenance at the median price point.
Related Oxford Market Resources
Cross-reference this analysis with the following guides for a comprehensive view of the Oxford real estate market:
- Market Intelligence Hub — full index of Oxford market data, trends, and analytical tools
- Prices by Subdivision — PPSF comparison table across all 36 tracked single-family subdivisions
- Appreciation Trends — price movement analysis and hold-period return projections
- 2026 Market Outlook — price forecasting and inventory trend analysis
- Timing and Risk Hub — seasonal patterns, DOM analysis, and market risk assessment
- Costs and Fees Reference — buyer and seller cost breakdowns for Oxford transactions
- Condo Guide — building profiles, HOA data, and condo-specific market analysis
- Single-Family Guide — 36 subdivision profiles with PPSF, DOM, and transaction data
- Neighborhoods Hub — neighborhood comparison tools, school zones, and proximity analysis
- Investment Hub — rental yield analysis, STR economics, and investor-focused data
Frequently Asked Questions
Where can I find monthly Oxford real estate market data?
Monthly market snapshots for Oxford are maintained in this archive, providing current-condition monitoring data including active listings, pending sales, closed transactions, and pricing metrics. Monthly data enables detection of short-term market shifts before they appear in quarterly or annual reports. Data is sourced from the greater Oxford market area MLS records (North Central Mississippi Board of Realtors).
How should I use monthly market data for Oxford real estate decisions?
Monthly data is most useful for identifying emerging trends and timing decisions. Rising pending sales signal increasing demand; declining pending sales may signal softening. Month-over-month changes in active inventory, new listings, and price reductions provide actionable signals for both buyers and sellers. Monthly data should be interpreted alongside seasonal patterns, as Oxford market activity fluctuates with the university calendar.
How current is the Oxford market data in this archive?
Data is updated on a monthly cadence using the most recent MLS transaction records. The current dataset reflects activity through early 2026. For the most current market conditions or property-specific analysis, contact Bill Rosenblatt at (601) 842-5588 or bill@rosenblattrealestate.com. See the Market Intelligence hub for additional analysis tools.
MLS Data Disclaimer: Market data is derived from the greater Oxford market area MLS records (North Central Mississippi Board of Realtors) and public sources. This information is deemed reliable but is not guaranteed. It is not intended as financial, legal, or tax advice. Consult appropriate licensed professionals for situation-specific guidance.
Financing reference (Lafayette County 2026): FHA single-family limit $541,287 (HUD Mortgagee Letter 2025-23) | Conforming limit $832,750 (FHFA 2026 schedule) | See the Financing Guide for loan program comparison.
Analytical Framework for Oxford Market Intelligence
The 680-transaction dataset (Navica MLS, Jan 2025–Jun 2026) provides sufficient statistical depth for meaningful market analysis. With a median sale price of $475,000 and median PPSF of $240 across 36 tracked subdivisions, price distribution analysis reveals distinct market tiers: entry-level (under $300,000, primarily county properties), core market ($300,000 to $600,000, highest transaction volume), premium ($600,000 to $1,000,000, established neighborhoods), and luxury (over $1,000,000, limited inventory). Each tier exhibits different DOM patterns, list-to-sale ratios, and seasonal sensitivity.
The 72-day median DOM and 97.14% list-to-sale ratio indicate a balanced market — neither strongly favoring buyers nor sellers. University enrollment growth (25,222 Oxford campus per Fall 2025 IREP, a record third consecutive year) sustains demand, while new construction in subdivisions such as The Grove at Grand Oaks and Merion adds supply. The Oxford School District (rated A, 749 accountability points per MDE 2024–2025) drives family-buyer demand that concentrates in OSD-zoned subdivisions, creating measurable price premiums over comparable Lafayette County School District properties.
Oxford Real Estate Market Data
The following data is sourced from official records and authoritative publications. All figures are independently verifiable.
| Category | Figure | Source |
|---|---|---|
| Single-family MLS transactions | 680 | Navica MLS / North Central MS Board of Realtors, Jan 2025–Jun 2026 |
| Median sale price (SF) | $475,000 | Navica MLS, 680 closed transactions |
| Median price per square foot (SF) | $240 | Navica MLS, 680 closed transactions |
| Median days on market (SF) | 72 | Navica MLS, 680 closed transactions |
| List-to-sale ratio (SF) | 97.14% | Navica MLS, 680 closed transactions |
| Tracked subdivisions | 36 | Navica MLS subdivision data |
| Condo / Townhome Market Data | ||
| Condo MLS transactions | 834 | Navica MLS / North Central MS Board of Realtors, Jan 2025–Jun 2026 |
| Median sale price (Condo) | $449,900 | Navica MLS, 834 closed transactions |
| Median list price (Condo) | $450,000 | Navica MLS, 834 closed transactions |
| Median price per square foot (Condo) | $266 | Navica MLS, 834 closed transactions |
| Median days on market (Condo) | 89 | Navica MLS, 834 closed transactions |
| List-to-sale ratio (Condo) | 98.68% | Navica MLS, 834 closed transactions |
| Total property tax rate (city) | 129.67 mills | Oxford Eagle (Sept. 2025); Lafayette County Tax Assessor |
| County component | 35.51 mills | Oxford Eagle, “County lowers tax rate” (Sept. 18, 2025) |
| City of Oxford component | 32.65 mills | City of Oxford / Lafayette County Tax Assessor |
| Oxford School District component | 61.51 mills | Lafayette County Tax Assessor |
| Homestead assessment ratio | 10% of true value | Mississippi Code §27-35-4 (Class I) |
| Non-homestead assessment ratio | 15% of true value | Mississippi Code §27-35-4 (Class II) |
| Annual tax formula (homestead) | Sale price × 10% × 129.67 mills (0.12967) | 10% assessment per MS Code §27-35-4 (Class I); 129.67 mills = Lafayette County 35.51 (MS Code §27-39-303) + City of Oxford 32.65 (MS Code §27-39-307) + OSD 61.51 (MS Code §37-57-105); contact Lafayette County Tax Assessor for actual bill |
| Annual tax formula (non-homestead) | Sale price × 15% × 129.67 mills (0.12967) | 15% assessment per MS Code §27-35-4 (Class II); 129.67 mills = Lafayette County 35.51 (MS Code §27-39-303) + City of Oxford 32.65 (MS Code §27-39-307) + OSD 61.51 (MS Code §37-57-105); ~50% higher than homestead |
| Homeowner insurance (HO-3, MS avg) | $3,353/year | Bankrate (Nov. 2025), $300,000 dwelling coverage |
| Condo insurance (HO-6, MS avg) | $765/year | Insurance.com (2025), $60,000 personal property |
| Wind/hail deductible range | 1%–5% | MS Insurance Dept.; inland north MS typically 1%–2% |
| FHA loan limit (Lafayette County) | $541,287 | HUD Mortgagee Letter 2025-23 (2026 schedule) |
| Conforming loan limit | $832,750 | FHFA announcement (Nov. 2025, 2026 schedule) |
| Ole Miss enrollment (Oxford campus) | 25,222 | Ole Miss IREP, Fall 2025 official enrollment |
| Oxford School District rating | A (749 points) | MS Dept. of Education, 2024–2025 Report Card |
| OSD enrollment | ~4,790 students | Niche.com / NCES federal data |
| State transfer tax | None | Mississippi does not impose transfer tax on residential real estate |
| Closing process | Attorney-conducted | Mississippi is an attorney-closing state (not title companies) |
Data Sources and Methodology
- MLS Data: Navica platform, North Central Mississippi Board of Realtors. Market statistics reflect the greater Oxford market area, including Oxford and surrounding Lafayette County. Data period: January 1, 2025 through June 30, 2026. Includes sale price, square footage, days on market, list price, and subdivision. Accessed July 2026. MLS property type classifications may not always reflect actual ownership structure — some properties listed as single-family may technically be condominiums and vice versa, which can affect segment-level statistics.
- Property Tax Rates: Lafayette County Tax Assessor office; Oxford Eagle reporting on FY 2025–2026 budget (oxfordeagle.com, Sept. 18, 2025). Assessment ratios per Mississippi Code §27-35-4.
- Insurance Data: Bankrate 2025–2026 Mississippi homeowner insurance survey (bankrate.com); Insurance.com condo insurance data (insurance.com). Wind/hail deductible data from Mississippi Insurance Department.
- Loan Limits: HUD Mortgagee Letter 2025-23 for FHA limits (hud.gov); FHFA conforming loan limit announcement November 2025 (fhfa.gov).
- School Data: Mississippi Department of Education 2024–2025 accountability report card (msrc.mdek12.org); enrollment per Niche.com and NCES federal database.
- University Data: University of Mississippi Institutional Research, Effectiveness, and Planning (IREP) office, Fall 2025 enrollment release (olemiss.edu/irep).
Contact Rosenblatt Real Estate
Bill Rosenblatt — Broker and Attorney
Rosenblatt Real Estate, LLC
Phone: (601) 842-5588
Email: bill@rosenblattrealestate.com
Last reviewed July 2026. Return to the Market Intelligence hub for additional analysis.