Cost of Living in Oxford, NC

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6%
Overall NAT. AVG.
2%
Groceries NAT. AVG.
19%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Oxford North Carolina National
Cost of living9496100
Groceries98100100
Health care9999100
Housing8188100
Transportation9999100
Utilities9799100
Lifestyle & Entertainment101100100
Household Items101100100
Education & Childcare98100100
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Homes For Sale In Oxford, NC

property for sale

2172 Elliott St

Oxford, NC
property for sale

109 Stonepond Dr #9

Oxford, NC
property for sale

7703 Cornwall Rd

Oxford, NC
property for sale

205 E Front St

Oxford, NC
See the Newest Homes For Sale In Oxford, NC

Cost Of Living Quick Facts

  • The cost of living in Oxford is 2% lower than the North Carolina average
  • The cost of living in Oxford is 6% lower than the national average
  • Oxford housing is 19% lower than the national average
  • North Carolina general sales tax is 7% lower than the national average
  • North Carolina state income tax is 83% higher than the national average

Most Affordable Places to Live in and Around Oxford

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Compare Oxford, NC Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$89,084$7,424$2,078$2,673
      Renters$42,706$3,559$996$1,281
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Oxford, NC, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Oxford, homeowners have a median income of $89,084. Using that number, a maximum of $2,078 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $42,706, which means there is a maximum of $996 to be spent on the costs of renting a home or apartment.

      North Carolina Sales Tax

      State General Sales Tax With Max Surtax
      North Carolina 4.75% 7.5%

      North Carolina Income Tax

      State Income Tax (Low) Income Tax (High)
      North Carolina 4.75% 4.75%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      South Henderson, NC1,0847920.7%
      Kittrell, NC1408415.6%
      Henderson, NC15,6538614.0%
      Stovall, NC292937.3%
      Stem, NC1,207973.0%
      Oxford, NC9,027946.4%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Ridgefield, WA9,02714242.1%
      Laurel Hill, VA9,02515454.3%
      Thomaston, GA9,0248614.3%
      Sandpoint, ID9,03011111.3%
      Kulpsville, PA9,03111313.2%
      Oxford, NC9,027946.4%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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