Real Estate Investing in Oxford, Maryland (21654)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 21654 (Oxford, MD)? Our answer, based on the numbers below.
Multiple negative signals. Better options likely exist nearby.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 32.1% of homes vacant — above national norms.
- High price-to-rent: Price-to-rent ratio 58.7 — hard to cash-flow at these prices.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Oxford, MD (21654)?
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Market Analysis: 21654 Oxford
This part of Talbot County is not an easy win. The 21654 ZIP stands at softness in key indicators, and the playbook that works in cleaner markets often stalls here.
The investment case in 21654 is robust only for operators who understand what they are buying. A $900K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.
Regionally, 21654 sits on the difficult end of the MD spectrum. The a credible choice for read — for disciplined operators — is that pricing reflects the difficulty.
Who lives in 21654 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
New investors are better served looking at Oxford's stable or hybrid ZIPs before stepping into 21654. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Oxford:
Property Strategy for 21654
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 3BR | $742,839 | $1,980 | 1.9% | +8.4% | $247,613 |
| 4BR | $1,413,206 | $2,390 | 1.2% | +10.8% | $353,301 |
Market Trends
Home Value History (with trend line)
📊 How Does 21654 Compare?
| Metric | 21654 | Oxford | Easton, MD | Maryland |
|---|---|---|---|---|
| Home Value | $900,345 | $900,345 | N/A | $424,997 |
| 5-Year CAGR | 5.2% | 5.2% | N/A | 4.9% |
| Avg Rent | $1,278 | $1,278 | N/A | - |
| Cap Rate | 1.1% | 1.1% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 21654 (Oxford, MD). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $900,345 |
| Monthly Rent | $1,278 |
| Price-to-Rent | 58.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 1.7% |
| Cap Rate | 1.1% |
| 5-Year IRR | 6.3% |
📈 Home Appreciation
| 1-Year | +1.5% ▲ |
| 3-Year CAGR | +2.7% ▲ |
| 5-Year CAGR | +5.2% ▲ |
| 10-Year CAGR | +5.1% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (1.1%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 21654
Population: 1,195
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
Frequently Asked Questions
What do rentals go for in Oxford, MD?
Average rent in Oxford, MD is approximately $1,278/mo per month. Against $900K home values that yields a reasonable rent-to-price ratio.
What are home prices like in Oxford, MD?
The median home value in Oxford, MD is roughly $900K. That puts it reasonable relative to the MD statewide average.
What are vacancy rates like in Oxford, MD?
Vacancy in Oxford, MD is elevated, which keeps landlord downtime on reasonable timelines. Most properties lease within the standard window at $1,278/mo.
Are eviction rules reasonable in Oxford, MD?
For rental operators, Oxford, MD rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.
Is Oxford, MD a good market for buy-and-hold investors?
Our data puts Oxford, MD at 3.0/5 for investability. Home prices of $900K and rents around $1,278/mo create a solid backdrop for investor activity.
You know 21654 now. You don’t know where it ranks.
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How 21654 ranks in Easton, MD
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