Key indicators for buyers
The Oxford market is moderately favourable for buyers. Affordability has improved from a peak of 12.2x in 2017 to 10.3x today. Rising rents (£1,937/mo, +6.7%) mean the cost of waiting is real.
Average sale prices · HM Land Registry / UK HPI
House price ÷ median earnings · ONS data
A home in Oxford costs 10.3x the local median salary — very stretched, improving from a peak of 12.2x in 2017.
Average monthly rent · ONS Private Rental Index
Average monthly rent in Oxford is £1,937, up 6.7% year-on-year. Rents have risen consistently over the past five years.
Monthly residential transactions · HMRC (seasonally adjusted)
2yr fixed · 75% LTV · 25yr term · BoE avg. rate
Based on the average Oxford price of £478,013 with a 25% deposit (£120k), a 2-year fixed mortgage at 3.97% costs around £1,886 per month.
Monthly cost comparison based on current data
Monthly mortgage payments (£1,886) are £51 less than renting (£1,937). However, buying requires an upfront deposit of £120k — it would take around 8 years to recoup that cost compared to renting and investing the difference.
Latest transactions · HM Land Registry Price Paid Data
| Address | Type | Price | Date |
|---|---|---|---|
45, CONISTON AVENUE, HEADINGTON OX3 0AW | Semi-detached | £650,000 | 23 Jan 2026 |
1, HAWTHORN CLOSE OX39 4GD | Semi-detached | £430,000 | 23 Jan 2026 |
FLAT 17, TENNYSON LODGE, PARADISE SQUARE OX1 1UD | Flat/Maisonette | £402,500 | 23 Jan 2026 |
203, MORRELL AVENUE OX4 1NF | Semi-detached | £750,000 | 23 Jan 2026 |
14, VICARAGE CLOSE OX4 4PL | Semi-detached | £425,000 | 23 Jan 2026 |
15, REDMOOR CLOSE OX4 4PT | Terraced | £375,000 | 22 Jan 2026 |
25, ABLETT CLOSE OX4 1XH | Terraced |
4postcode districts · Click for detailed prices
Data sources (all free & public): HM Land Registry Price Paid Data & UK House Price Index · ONS Housing Affordability Ratios · ONS Private Rental Index · Bank of England Quoted Household Interest Rates · HMRC Monthly Property Transactions
Contains HM Land Registry data © Crown copyright and database right 2021. This data is licensed under the Open Government Licence v3.0.
The average property in Oxford sells for £478,013, up slightly (0.3%) over the past year. Prices have grown from around £82k in the mid-1990s.
There were 94,680 residential property transactions across the UK in January 2026 (seasonally adjusted), down 0.8% compared to a year ago. The highest monthly volume on record was 204,980 in June 2021.
| £430,000 |
| 20 Jan 2026 |
40, GORDON WOODWARD WAY OX1 4XL | Flat/Maisonette | £319,000 | 19 Jan 2026 |
6, RIDGEWAY ROAD, HEADINGTON OX3 8DR | Detached | £625,000 | 19 Jan 2026 |
109, LONDON ROAD, HEADINGTON OX3 9HZ | Other | £450,000 | 16 Jan 2026 |
6, GROVE STREET OX2 7JT | Detached | £735,000 | 15 Jan 2026 |
FLAT 3, QUEENS GATE, 83, FIVE MILE DRIVE OX2 8HH | Flat/Maisonette | £325,000 | 15 Jan 2026 |
202, BOTLEY ROAD OX2 0HW | Semi-detached | £570,000 | 14 Jan 2026 |
44, HOLLOW WAY, COWLEY OX4 2NH | Other | £565,000 | 12 Jan 2026 |
46, MEDHURST WAY, LITTLEMORE OX4 4NY | Flat/Maisonette | £272,500 | 12 Jan 2026 |
12, SKYLARK PLACE OX4 6EF | Terraced | £325,000 | 12 Jan 2026 |
71, RELIANCE WAY OX4 2FW | Flat/Maisonette | £335,000 | 9 Jan 2026 |
11, ANNESLEY ROAD OX4 4JH | Semi-detached | £690,000 | 9 Jan 2026 |
93, THE JACKSON BUILDING, BENNETT CRESCENT, COWLEY OX4 2UQ | Flat/Maisonette | £330,000 | 9 Jan 2026 |
55, MILL STREET OX2 0AL | Terraced | £546,000 | 9 Jan 2026 |
The most recent recorded sale in Oxford was a semi-detached property on Coniston Avenue for £650,000 in January 2026. Across the last 20 sales, the median price was £430,000.