Updated 2026 · Based on median market data for Oxford, MS
Home values in Oxford, MS have appreciated at 1.8% per year. Appreciation is modest, meaning total returns will be driven primarily by cash flow rather than equity gains. This is actually preferred by many investors who want predictable, income-based returns.
If Oxford continues appreciating at 1.8% annually, the current median of $395,000 would reach approximately $431,853 in 5 years — an equity gain of $36,853 on a property purchased at the median. With a 20% down payment of $79,000, that represents a 47% return on invested equity from appreciation alone. Combined with 5 years of NOI totaling approximately $101,731, the projected total return is $138,584 — a 175% cumulative return on the initial investment.
Population growth in Oxford is minimal at 0.2%. Appreciation here is more likely driven by regional economic factors, inflation, and housing stock constraints rather than population-driven demand.
Smart investors evaluate both cash flow AND appreciation. In Oxford, the 5.15% cap rate provides strong ongoing cash flow, while 1.8% annual appreciation adds an equity component. The strong cash flow here means your returns are mostly realized as income rather than paper equity — a more conservative and predictable return profile.
Oxford vs Mississippi state average and national average across key investment metrics. Oxford beats the national average but trails the Mississippi average on cap rate.