Real Estate Investing in Oxford, Alabama (36260)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 36260 (Oxford, AL)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 13.8% of homes vacant — above national norms.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Oxford, AL (36260)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 36260 Oxford
This part of Calhoun County is not an easy win. The 36260 ZIP stands at softness in key indicators, and the playbook that works in cleaner markets often stalls here.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $188K asset, 36260 is the wrong submarket. If the plan prices in friction, the yield can still work.
Statewide comparisons place 36260 among AL's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.
Who lives in 36260 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 36260. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Oxford:
Market Trends
Home Value History (with trend line)
📊 How Does 36260 Compare?
| Metric | 36260 | Oxford | Anniston-Oxford, AL | Alabama |
|---|---|---|---|---|
| Home Value | $187,974 | $196,727 | N/A | $231,003 |
| 5-Year CAGR | 5.1% | 4.5% | N/A | 5.6% |
| Avg Rent | $765 | $961 | N/A | - |
| Cap Rate | 3.2% | 3.8% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 36260 (Oxford, AL). Anonymous, moderated, never written by AI.
Do you own or manage rentals in ZIP 36260 (Oxford, AL)?
~25 seconds · no account needed · your report is anonymous
📊 Market Snapshot
| Home Value | $187,974 |
| Monthly Rent | $765 |
| Price-to-Rent | 20.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.9% |
| Cap Rate | 3.2% |
| 5-Year IRR | 8.3% |
📈 Home Appreciation
| 1-Year | +9.5% ▲ |
| 3-Year CAGR | +5.3% ▲ |
| 5-Year CAGR | +5.1% ▲ |
| 10-Year CAGR | +6.5% ▲ |
🏠 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 (3.2%). 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 36260
Population: 4,729
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
🎓 Nearby Colleges & Universities
Frequently Asked Questions
Is vacancy a concern in Oxford, AL?
Expect elevated vacancy in Oxford, AL. Rents at $765/mo are absorbed by the tenant base without meaningful lag.
How strong are rents in Oxford, AL?
Investors in Oxford, AL typically see rents near $765/mo per month against $188K home values - a solid setup for rental cash flow.
Can owner-occupants cash flow in Oxford, AL?
Oxford, AL offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $765/mo rent level.
How do home values compare in Oxford, AL?
Homes in Oxford, AL typically sell near $188K. Prices have moved at a 0.0% 5-year CAGR, which predictable long-term demand.
What kind of market is Oxford, AL for investors?
Our data puts Oxford, AL at 3.0/5 for investability. Home prices of $188K and rents around $765/mo create a solid backdrop for investor activity.
You know 36260 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 36260 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
How 36260 ranks in Anniston-Oxford, AL
Every ZIP in this metro, ranked. Free.
AI Market Advisor
Ask questions about investing in 36260 (Oxford)
Community Ratings
What people who’ve spent time here actually say. Not paid reviews.
Be the first to rate 36260 (Oxford, AL).
It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.