Oxford Real Estate Continues to Outperform National Trends

Oxford, MS continues to show strong home values and steady buyer demand heading into 2026.

The Oxford, MS real estate market remains resilient as we move out of 2025. While many national markets are adjusting to higher interest rates and affordability concerns, Oxford and Lafayette County continue to show strength, stability, and long-term value.

Nationally, home prices have moderated but remain historically high, according to data from the National Association of REALTORS® and Freddie Mac:

Against that backdrop, Oxford has continued to outperform national averages, with median home prices firmly in the $400,000–$500,000 range.

Q3 2025: Peak Seasonal Momentum in Lafayette County

The third quarter of 2025 reflected classic summer-market behavior. In Lafayette County, single-family homes moved quickly, often selling at or above asking price. July data showed average days on market dropping to 64 days, highlighting strong buyer competition.

Townhomes and condos experienced increased demand from students, parents, and investors, pushing prices higher while maintaining steady sales volume. Inventory entered the market, but demand consistently outpaced supply—keeping sellers firmly in control.

Q4 2025: A More Balanced but Still Competitive Market

As expected, the fourth quarter brought a slower pace—but not a weaker market.

In Oxford during Q4 2025:

  • 253 new listings entered the market

  • 213 homes went under contract

  • 202 homes closed

The median sales price reached $468,500, while the average sales price climbed to $562,708. Homes sold for 96.86% of list price, confirming that well-priced properties continued to perform even outside the peak season.

Inventory improved to 583 available homes, with 2.89 months of supply, giving buyers more options while still favoring sellers. Average days on market rose to 105 days, signaling a healthier, more negotiable environment rather than a slowdown.

Financing Trends and Buyer Behavior in Oxford

Conventional loans made up the largest share of purchases in Q4, followed closely by cash buyers, who continue to influence negotiations and timelines. FHA and VA loans remained present but limited, reinforcing the importance of strategic preparation for financed buyers in a competitive market.

What This Means for Buyers, Sellers, and Investors

  • Selling in Oxford? Prices remain strong, and demand is steady year-round.

  • Buying a home? Late 2025 and early 2026 offer better selection and negotiating room than summer months.

  • Investing locally? Townhomes and condos continue to attract strong rental demand and long-term appreciation.

Oxford and Lafayette County remain among the most stable real estate markets in North Mississippi, supported by consistent demand, local economic strength, and long-term growth fundamentals.

All local market data referenced in this report was obtained from the North Central Mississippi Board of REALTORS®.

If you’re thinking about buying, selling, or investing in Oxford, MS real estate, the team at Kiamie Real Estate is here to help you navigate the market with confidence.

📞 Contact Kiamie Real Estate today to discuss your next move.