The story of this market
The typical home in ZIP 45056 sells for about $359,500, or $194 per square foot.
Prices are up +8.97% from a year ago, so sellers still have some momentum. Homes take about 34 days to sell. HUD's fair market rent for a two-bedroom is $1,029 a month.
ZIP 45056 — Oxford
The Oxford housing market remains stable, driven primarily by the consistent demand from the Miami University community. While inventory has seen slight increases, the median list price continues to show modest growth, reflecting a resilient local economy insulated from broader regional volatility.
This ZIP is ideal for university-affiliated families, faculty, and investors looking for student-housing opportunities, though it is less suited for daily commuters to downtown Cincinnati.
Median prices moved up 9.0% year over year.
Homes spend a median of 34 days on market with 3.7 months of supply — a fast-moving market.
17% of listings have cut prices · homes sell at 98.4% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 11.5% · poverty 36.1% — elevated distress and economic pressure.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 7.7%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.4%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 45056, Butler County OH
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Oxford is home to Miami University, and the local public schools are generally well-regarded within the Talawanda School District.
The local economy is heavily anchored by Miami University, which serves as the primary driver for employment and development in the area.
Property taxes in Butler County are assessed by the county auditor; rates vary by school district and local municipality levies.
Oxford is a relatively isolated college town, with most residents commuting to local university jobs or traveling approximately 40-50 minutes to the Cincinnati employment core.
The area features extensive green space including Hueston Woods State Park nearby, various local parks, and the recreational amenities associated with Miami University.
The rental market is heavily influenced by the student population of Miami University, leading to high demand and seasonal vacancy fluctuations.
The economy is dominated by Miami University, which is the largest employer and primary economic engine for the city of Oxford.
Public transit is limited to local university shuttles and regional bus connections; most residents rely on personal vehicles for regional travel.
Development is largely focused on university-related infrastructure and student-oriented housing projects.
The Butler County Auditor's office manages property assessments, with reappraisals occurring on a triennial cycle.
Parcels are subject to Talawanda School District taxes and various municipal levies for city services.
Standard Midwestern property insurance market with typical exposure to wind and storm events.
Data retrieved from data.census.gov for ZCTA 45056.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Major university campus serving as the primary economic and cultural hub.
Large state park offering boating, hiking, and golf near the city.
Central business district featuring local shops and restaurants serving the university community.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.