Authored by the expert who managed and guided the team behind the United Kingdom Property Pack
Yes, the analysis of Oxford's property market is included in our pack
Oxford is one of England's most competitive housing markets, shaped by two world-renowned universities, major hospitals, and strict green belt planning rules that keep supply tight.
If you're a foreigner looking to buy a house in Oxford, this guide breaks down real prices, neighborhoods, and hidden costs so you can plan your budget with confidence.
We constantly update this blog post to reflect the latest market data and trends.
And if you're planning to buy a property in this place, you may want to download our pack covering the real estate market in Oxford.
How much do houses cost in Oxford as of 2026?
What's the median and average house price in Oxford as of 2026?
As of early 2026, the median house price in Oxford sits around £525,000 (approximately $655,000 USD or €620,000 EUR), while the average house price reaches roughly £600,000 ($750,000 USD or €710,000 EUR).
The typical price range that covers about 80% of house sales in Oxford runs from £400,000 to £1.2 million ($500,000 to $1.5 million USD, or €470,000 to €1.4 million EUR), though this varies significantly by neighborhood and property size.
The gap between the median and average in Oxford tells you that a smaller number of expensive period homes in areas like North Oxford and Summertown pull the average up, while most buyers are looking at properties closer to that £525,000 median figure.
At the median price of £525,000 in Oxford, you can typically expect a well-maintained 3-bedroom Victorian or Edwardian terrace in areas like East Oxford or parts of Headington, often with a small garden but limited off-street parking.
What's the cheapest livable house budget in Oxford as of 2026?
As of early 2026, the minimum budget for a livable house in Oxford is roughly £325,000 to £375,000 ($405,000 to $470,000 USD, or €385,000 to €445,000 EUR).
At this entry-level price point in Oxford, "livable" typically means a small 2-bedroom terrace that's habitable but may need upgrades like better insulation, new windows, or modernized electrics, and you'll likely face trade-offs such as a compact garden or a location on a busier road.
These cheapest livable houses in Oxford are usually found in Blackbird Leys, Barton, Rose Hill, Littlemore, and the less central parts of Cowley, which are further from the walkable Cowley Road strips.
Wondering what you can get? We cover all the buying opportunities at different budget levels in Oxford here.
How much do 2 and 3-bedroom houses cost in Oxford as of 2026?
As of early 2026, a typical 2-bedroom house in Oxford costs around £450,000 ($560,000 USD or €530,000 EUR), while a typical 3-bedroom house in Oxford costs around £600,000 ($750,000 USD or €710,000 EUR).
The realistic price range for a 2-bedroom house in Oxford runs from £400,000 to £525,000 ($500,000 to $655,000 USD, or €470,000 to €620,000 EUR), depending on condition and neighborhood.
For a 3-bedroom house in Oxford, you should budget between £500,000 and £700,000 ($625,000 to $875,000 USD, or €590,000 to €825,000 EUR), with Victorian terraces near Cowley Road often priced at the higher end due to their walkability.
The typical price premium when moving from a 2-bedroom to a 3-bedroom house in Oxford is around £100,000 to £175,000 ($125,000 to $220,000 USD), reflecting the strong demand from families who need that extra room.
How much do 4-bedroom houses cost in Oxford as of 2026?
As of early 2026, a typical 4-bedroom house in Oxford costs between £750,000 and £1.1 million ($935,000 to $1.4 million USD, or €885,000 to €1.3 million EUR), with family-friendly areas commanding prices toward the top of that range.
The realistic price range for a 5-bedroom house in Oxford runs from £1.2 million to £1.8 million ($1.5 million to $2.25 million USD, or €1.4 million to €2.1 million EUR), particularly in sought-after areas like Summertown and North Oxford.
For a 6-bedroom house in Oxford, expect to pay between £1.6 million and £2.8 million or more ($2 million to $3.5 million USD, or €1.9 million to €3.3 million EUR), with the largest period homes in prime locations exceeding even these figures.
Please note that we give much more detailed data in our pack about the property market in Oxford.
How much do new-build houses cost in Oxford as of 2026?
As of early 2026, a typical family-sized new-build house in Oxford costs between £650,000 and £850,000 ($810,000 to $1.06 million USD, or €770,000 to €1 million EUR), though supply within the city boundary is quite limited.
The typical percentage premium that new-build houses carry compared to older resale houses in Oxford is around 10% to 20%, with 15% being a reasonable planning number, reflecting the appeal of modern energy efficiency and no immediate renovation needs.
How much do houses with land cost in Oxford as of 2026?
As of early 2026, a house with land in Oxford typically costs between £900,000 and £2.5 million or more ($1.1 million to $3.1 million USD, or €1.06 million to €2.95 million EUR), depending on plot size, privacy, and how close it remains to Oxford's amenities.
In Oxford, a "house with land" usually means a noticeably larger plot than a standard garden, often found on the western fringe near Botley and Cumnor or the northern edges toward Wolvercote and Cutteslowe, where you get more of a semi-rural feel while still being commutable.
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Where are houses cheapest and most expensive in Oxford as of 2026?
Which neighborhoods have the lowest house prices in Oxford as of 2026?
As of early 2026, the neighborhoods with the lowest house prices in Oxford are Blackbird Leys, Barton, Rose Hill, Littlemore, and the outer parts of Cowley that sit further from the popular Cowley Road corridor.
The typical house price range in these more affordable Oxford neighborhoods runs from £325,000 to £475,000 ($405,000 to $595,000 USD, or €385,000 to €560,000 EUR), depending on size and condition.
These neighborhoods have lower house prices in Oxford mainly because they were built as post-war social housing estates with less period character, and they sit farther from the university colleges, hospitals, and trendy walkable streets that drive demand elsewhere in the city.
Which neighborhoods have the highest house prices in Oxford as of 2026?
As of early 2026, the three neighborhoods with the highest house prices in Oxford are Summertown, Jericho, and the broader North Oxford area, with Wolvercote and prime pockets of Headington close behind.
The typical house price range in these most expensive Oxford neighborhoods runs from £900,000 to £2 million or more ($1.1 million to $2.5 million USD, or €1.06 million to €2.4 million EUR), with the largest period homes exceeding these figures.
These neighborhoods command the highest house prices in Oxford because they combine large Victorian and Edwardian homes with mature gardens, excellent schools like the Dragon School and Oxford High, and easy walking distance to the city center and university colleges.
The typical buyer purchasing houses in these premium Oxford neighborhoods is often a senior university academic, a medical professional from the nearby John Radcliffe Hospital, or an international family specifically seeking proximity to top private schools and Oxford's cultural institutions.
How much do houses cost near the city center in Oxford as of 2026?
As of early 2026, houses near the Oxford city center, in areas like Jericho, Osney, St Clements, and the Iffley Road corridor, typically cost between £650,000 and £1.5 million ($810,000 to $1.9 million USD, or €770,000 to €1.8 million EUR), with prices varying significantly based on parking availability and exact street.
Houses near major transit hubs in Oxford, particularly near Oxford Railway Station and Oxford Parkway, typically carry a premium of around 5% to 12% compared to similar properties farther from these links, making transit-adjacent family houses commonly priced from £700,000 to £1.2 million ($875,000 to $1.5 million USD, or €825,000 to €1.4 million EUR).
Houses near top-rated schools in Oxford, including the Dragon School, Oxford High School, Magdalen College School, St Edward's School, and Headington School, typically range from £900,000 to £2 million or more ($1.1 million to $2.5 million USD, or €1.06 million to €2.4 million EUR), concentrated in North Oxford and Summertown where larger family homes cluster.
Houses in expat-popular areas of Oxford, notably Summertown, Jericho, and Headington, typically cost between £650,000 and £1.8 million ($810,000 to $2.25 million USD, or €770,000 to €2.1 million EUR), as these areas combine international-friendly amenities with good housing stock and easy access to hospitals and the university.
We actually have an updated expat guide for Oxford here.
How much do houses cost in the suburbs in Oxford as of 2026?
As of early 2026, a typical house in the suburbs of Oxford costs between £450,000 and £850,000 ($560,000 to $1.06 million USD, or €530,000 to €1 million EUR), offering more space and garden than central locations at a lower price point.
The typical price difference between suburban houses and city-center houses in Oxford is roughly 20% to 35% lower in the suburbs, meaning you might save £150,000 to £300,000 ($190,000 to $375,000 USD) by choosing a suburban location over a central one for a comparable property size.
The most popular suburbs for house buyers in Oxford include Marston, Botley, the outer edges of Headington and Risinghurst, Cutteslowe, and Littlemore, all of which offer a more residential feel while remaining well-connected to the city center by bus or bike.
What areas in Oxford are improving and still affordable as of 2026?
As of early 2026, the top areas in Oxford that are improving and still relatively affordable for house buyers include parts of Cowley away from the most premium streets, Blackbird Leys, Barton, and Littlemore.
The current typical house price in these improving yet affordable Oxford areas ranges from £325,000 to £550,000 ($405,000 to $685,000 USD, or €385,000 to €650,000 EUR), depending on size and renovation needs.
The main sign of improvement driving buyer interest in these areas is visible investment in local infrastructure, including new community facilities in Barton, improved bus links, and an influx of younger buyers renovating older housing stock in Cowley, which signals growing confidence in these neighborhoods.
By the way, we've written a blog article detailing what are the current best areas to invest in property in Oxford.
We did some research and made this infographic to help you quickly compare rental yields of the major cities in the UK versus those in neighboring countries. It provides a clear view of how this country positions itself as a real estate investment destination, which might interest you if you’re planning to invest there.
What extra costs should I budget for a house in Oxford right now?
What are typical buyer closing costs for houses in Oxford right now?
The estimated typical total closing cost for house buyers in Oxford ranges from 2% to 6% of the purchase price, with non-UK residents facing the higher end due to additional stamp duty surcharges.
The main closing cost categories in Oxford include Stamp Duty Land Tax (often £15,000 to £40,000 or more on a typical Oxford house), legal and conveyancing fees (around £1,500 to £3,000, or $1,900 to $3,750 USD), survey costs (£400 to £1,500, or $500 to $1,875 USD), mortgage arrangement fees if you're financing, and Land Registry registration fees (usually a few hundred pounds).
The single largest closing cost category for house buyers in Oxford is almost always Stamp Duty Land Tax, which can easily reach £20,000 to £50,000 ($25,000 to $62,500 USD) or more on properties priced above £500,000, and it jumps further if you're a non-UK resident or buying an additional property.
We cover all these costs and what are the strategies to minimize them in our property pack about Oxford.
How much are property taxes on houses in Oxford right now?
The estimated typical annual property tax, called Council Tax, for a house in Oxford ranges from roughly £2,000 to £4,500 ($2,500 to $5,600 USD, or €2,360 to €5,300 EUR) per year, with Band D being the common reference point at around £2,500 to £3,000 annually.
Council Tax in Oxford is calculated based on your property's valuation band (A through H), which was set according to 1991 property values, meaning a larger or better-located house will typically fall into a higher band and pay more to fund local services like schools, roads, and waste collection.
If you want to go into more details, we also have a page with all the property taxes and fees in Oxford.
How much is home insurance for a house in Oxford right now?
The estimated typical annual home insurance cost, specifically buildings insurance, for a house in Oxford ranges from about £300 to £720 per year ($375 to $900 USD, or €355 to €850 EUR), which works out to roughly £25 to £60 per month.
The main factors that affect home insurance premiums for houses in Oxford include the property's rebuild cost, its claims history, flood risk (some areas near the Thames or Cherwell rivers carry higher risk), the age and construction type of the house, and security features like alarms and locks.
What are typical utility costs for a house in Oxford right now?
The estimated typical total monthly utility cost for a house in Oxford is around £180 to £230 ($225 to $290 USD, or €210 to €270 EUR), covering energy, water, and basic services, though this varies significantly with house size and insulation quality.
The breakdown of main utility categories for houses in Oxford includes energy (gas and electricity) at roughly £147 per month based on Ofgem's price cap, water and wastewater from Thames Water at around £30 to £50 per month depending on metering, and then broadband and phone which add another £25 to £50 monthly if included in your budget.
What are common hidden costs when buying a house in Oxford right now?
The estimated total of common hidden costs that house buyers in Oxford often overlook can add £5,000 to £20,000 ($6,250 to $25,000 USD, or €5,900 to €23,600 EUR) or more to your budget, depending on your residency status and the property's condition.
Typical inspection fees buyers should expect when purchasing a house in Oxford range from £400 to £1,500 ($500 to $1,875 USD, or €470 to €1,770 EUR), depending on whether you choose a basic condition report, a homebuyer report, or a full building survey, with older Oxford period houses often warranting the more detailed option.
Other common hidden costs beyond inspections when buying a house in Oxford include the 2% non-UK resident Stamp Duty surcharge, higher SDLT rates if this is an additional property, leasehold service charges on some developments, renovation catch-up costs on period properties (electrics, damp, roofs, insulation), and parking permit fees in central areas.
The hidden cost that tends to surprise first-time house buyers the most in Oxford is the renovation work that older Victorian and Edwardian houses often need, such as rewiring, damp-proofing, or roof repairs, which can easily add £10,000 to £30,000 to your actual spending beyond the purchase price.
You will find here the list of classic mistakes people make when buying a property in Oxford.
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What do locals and expats say about the market in Oxford as of 2026?
Do people think houses are overpriced in Oxford as of 2026?
As of early 2026, the general sentiment among locals and expats is that Oxford houses are expensive but justified by specific factors, rather than being irrationally overpriced, with most accepting that two universities, major hospitals, and severe supply constraints create a market where prices stay firm.
Houses in Oxford typically stay on the market for around 45 to 70 days before selling if they are well-presented and realistically priced, though overpriced or quirky properties can take significantly longer.
The main reason locals and expats give for feeling Oxford house prices are fairly valued, despite being high, is that the city's world-class employers, strong rental demand from students and academics, and strict green belt planning rules mean supply will always lag behind demand, making Oxford property a relatively safe long-term investment.
Compared to one or two years ago, current sentiment on Oxford house prices is more settled, with buyers feeling less urgency than during the pandemic-era rush, but also recognizing that dramatic price drops are unlikely given Oxford's structural supply constraints and continued employment strength.
You'll find our latest property market analysis about Oxford here.
Are prices still rising or cooling in Oxford as of 2026?
As of early 2026, house prices in Oxford are more steady than surging, with the market showing stability rather than dramatic gains or losses, and prices remaining sensitive to mortgage rate movements.
The estimated year-over-year house price change in Oxford is close to flat, with ONS data showing little movement around late 2025, suggesting the Oxford market entered 2026 in a holding pattern after the volatility of previous years.
Experts and locals expect Oxford house prices over the next 6 to 12 months to remain stable or see modest growth, as improving affordability from eased mortgage rates supports demand, but the market is unlikely to return to rapid price increases given broader economic caution and the Bank of England's rate path.
Finally, please note that we have covered property price trends and forecasts for Oxford here.
We created this infographic to give you a simple idea of how much it costs to buy property in different parts of the UK. As you can see, it breaks down price ranges and property types for popular cities in the country. We hope this makes it easier to explore your options and understand the market.
What sources have we used to write this blog article?
Whether it's in our blog articles or the market analyses included in our property pack about Oxford, we always rely on the strongest methodology we can... and we don't throw out numbers at random.
We also aim to be fully transparent, so below we've listed the authoritative sources we used, and explained how we used them and the methods behind our estimates.
| Source | Why It's Authoritative | How We Used It |
|---|---|---|
| ONS Housing Prices in Oxford | The UK's official statistics agency with consistent local price data. | We used it as the headline anchor for Oxford average prices. We then adjusted toward houses only using other datasets. |
| HM Land Registry UK HPI | The official public interface for UK house price data. | We used it to validate Oxford figures against wider regional movements. We also cross-checked methodology. |
| Rightmove Oxford Sold Prices | The UK's largest property portal with transparent sold price data. | We used it to cross-check sale price levels and neighborhood spreads. We also used it for bedroom-based price ranges. |
| GOV.UK SDLT Rates | The official source for stamp duty rules and thresholds. | We used it to compute typical stamp duty on Oxford budgets. We built closing cost checklists from these rates. |
| RICS UK Residential Market Survey | The chartered body for surveyors with a widely cited sentiment survey. | We used it to understand professional sentiment going into 2026. We described whether the market feels overheated or stable. |
| Oxford City Council Tax Charges | The local authority's official council tax bill page. | We used it to estimate annual property tax for Oxford houses. We framed it around Band D as a benchmark. |
| Ofgem Energy Price Cap | The UK energy regulator's official price cap guidance. | We used it to estimate baseline utility costs for early 2026. We translated the cap into monthly budget numbers. |
| Bank of England Mortgage Rates | The UK central bank's official rate series for mortgages. | We used it to frame financing conditions for buyers in early 2026. We explained how rates affect Oxford affordability. |
| Land Registry Price Paid Data | The official record of registered sold prices in England and Wales. | We used it as ground truth for sold prices. We combined it with portal data for neighborhood and size breakdowns. |
| RICS Home Survey Guide | Professional body guidance on surveying standards and costs. | We used it to estimate inspection costs and explain survey types. We flagged surveys as a must-budget item. |
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