What is the cost of living in Oxford, MA?
According to the most recent data on the cost of living, Oxford has an overall cost of living index of 118, which is 1.2x higher than the national index of 100.
Compared to Massachusetts, Oxford has a cost of living index that's 0.9x lower than Massachusetts's index of 130.
The standard of living in Oxford ranks as #18 most affordable out of the 113 places we measured in Massachusetts. By definition, that implies Oxford ranks as the #95 most expensive place in the Bay State.
For more reading on life in Oxford, check out:
Oxford Cost Of Living Vs. Massachusetts
Six factors go into calculating the cost of living index in Oxford. Here is how it fares on each of the criteria:
The Services index in Oxford is 110.
The Groceries index in Oxford is 119.
The Health index in Oxford is 120.
The Housing index in Oxford is 119.
The Transportation index in Oxford is 117.
The Utilities index in Oxford is 115.
| Living Expense | Oxford | Massachusetts | National Average |
|---|---|---|---|
| Overall | 118 | 130 | 100 |
| Services | 110 | 110 | 100 |
| Groceries | 119 | 115 | 100 |
| Health | 120 | 168 | 100 |
| Housing | 119 | 117 | 100 |
| Transportation | 117 | 115 | 100 |
| Utilities | 115 | 114 | 100 |
Oxford Cost Of Living Compared To Massachusetts Averages
Index where 100 = national average. Source: cost-of-living index 2026.
For more reading on cost of living around Massachusetts, check out:
- Most Expensive Cities In Massachusetts
- Most Affordable Cities In Massachusetts
- Average Rent In Massachusetts
Source: Cost-of-living index 2026, normalized to US average = 100
Oxford, MA Housing Cost Breakdown
Housing swings affordability the most between places in Massachusetts, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2020-2024. The key points are:
The Median Home Value in Oxford is $428,727.
The Median Rent in Oxford is $1,203.
The Median Income in Oxford is $89,623.
The Home Value To Income in Oxford is 4.8x.
The Rent To Monthly Income in Oxford is 0.16x.
| Statistic | Oxford | Massachusetts | United States |
|---|---|---|---|
| Median Home Value | $428,727 | $656,690 | $332,700 |
| Median Rent | $1,203 | $1,762 | $1,413 |
| Median Income | $89,623 | $103,960 | $80,734 |
| Home Value To Income | 4.8x | 6.3x | 4.1x |
| Rent To Monthly Income | 0.16x | 0.2x | 0.21x |
Oxford, MA Costs By Category
Detailed Oxford Services costs vs. Massachusetts
| Item | Oxford | Massachusetts |
|---|---|---|
| Shampoo | $1.43 | $1.28 |
| Movie | $14.37 | $12.13 |
| Bowling | $22.72 | $18 |
| Haircut | $31.5 | $24.26 |
| Beauty Salon | $49.92 | $45.56 |
Detailed Oxford Groceries costs vs. Massachusetts
| Item | Oxford | Massachusetts |
|---|---|---|
| Ground Beef | $5.85 | $5.84 |
| Fried Chicken | $1.43 | $1.57 |
| Milk | $4.74 | $4.67 |
| Potatoes | $5.0 | $4.93 |
| Pizza | $11.59 | $12.09 |
| Beer | $10.74 | $10.41 |
| Toothpaste | $3.46 | $3.7 |
Detailed Oxford Health costs vs. Massachusetts
| Item | Oxford | Massachusetts |
|---|---|---|
| Optometrist | $104.45 | $125.68 |
| Doctor | $169.83 | $135.78 |
| Dentist | $130.28 | $113.29 |
Detailed Oxford Transportation costs vs. Massachusetts
| Item | Oxford | Massachusetts |
|---|---|---|
| Gasoline | $3.38 | $3.46 |
| Tire Balancing | $48.2 | $59.92 |
Detailed Oxford Utilities costs vs. Massachusetts
| Item | Oxford | Massachusetts |
|---|---|---|
| All Electricity | $230.62 | $193.99 |
| Phone | $195.18 | $192.25 |
Oxford SnackAbility
Cost Of Living In Cities Around Oxford
The cost of living varies in the cities and towns around Oxford. Here's a quick look at the cost of living in the most populous nearby places:
Worcester, MA has a cost of living index of 119, 1.0x Oxford.
Milford, MA has a cost of living index of 126, 1.1x Oxford.
Webster, MA has a cost of living index of 114, 1.0x Oxford.
| City | Population | Cost Of Living | Vs. Oxford |
|---|---|---|---|
| Worcester, MA | 207,055 | 119 | 1.0x |
| Milford, MA | 27,731 | 126 | 1.1x |
| Webster, MA | 12,228 | 114 | 1.0x |
| Whitinsville, MA | 7,115 | 122 | 1.0x |
| Northborough, MA | 6,392 | 140 | 1.2x |
| Spencer, MA | 5,661 | 115 | 1.0x |
