Oxford County, Maine: commercial real estate data.
Oxford County, Maine has a population of 59,255 across 2,077 square miles, up 4.0 percent since the 2020 census base. County output reached $2.58 bn in 2024, 1,381 establishments operate here, and the SBA record carries 84 7(a) approvals worth $11.5 m.
122 sourced county values · tier FULL · 11 sections
Oxford County
How many people live in Oxford County
- Population59,255
- Households24,140
- Average household size2.45
- Median household income$60,173
- Median age48.2
- Median gross rent$836 per month
- Median owner-occupied home value$217,300
- Home value to household income3.6 times
- Annual rent as a share of median income16.7 percent
- Adults 25 and over with a bachelor degree or higher24.0 percent
- Adults 25 and over with a graduate degree8.1 percent
- Adults 25 and over45,112
- Population under 1810,452
- Share under 1817.6 percent
- Population 65 and over14,181
- Share 65 and over23.9 percent
- Working age population, 18 to 6434,622
- Civilian labor force28,402
- Unemployment rate4.3 percent
- Labor force participation, adults 18 and over58.2 percent
- Rank by population among Maine counties7th of 16
- Rank by population among US county-equivalents905th
Oxford County is the 7th largest of 16 Maine counties by population. A median home costs 3.6 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 23.9 percent against 17.6 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Oxford County
Is Oxford County growing
- Population change since the 2020 census base3.95 percent
- Census 2020 base population57,756
- Births, 2024492
- Deaths, 2024818
- Natural change, 2024-326
- Net domestic migration, 2024222
- Net international migration, 202426
- Total net migration, 2024248
- Cumulative net domestic migration, 2021 to 20243,341
- Rank by growth among US county-equivalents698th
The county has grown 3.95 percent since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Oxford County
Where people moving to Oxford County come from
- Tax returns filed by households arriving1,878
- People arriving, from those returns3,182
- Adjusted gross income arriving$163.4 m
- Net adjusted gross income movement$0
- Average income of an arriving household$87,012
- Largest single originOxford County Non-migrants (23,132 households)
- Largest single destination (23,132 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Oxford County Non-migrants | 23,132 | 43,588 | $1.40 bn |
| Other flows - Different State | 658 | 1,125 | $59.3 m |
| Cumberland County | 330 | 537 | $21.4 m |
| Androscoggin County | 328 | 577 | $16.2 m |
| Other flows - Northeast | 323 | 521 | $29.6 m |
| Other flows - South | 189 | 341 | $20.4 m |
| York County | 140 | 209 | $6.6 m |
| Other flows - West | 107 | 190 | $7.1 m |
The largest single source of arrivals is Oxford County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Oxford County
What the Oxford County economy runs on
- County GDP, 2024$2.58 bn
- County GDP, 2023$2.50 bn
- GDP change, 2023 to 20243.2 percent
- GDP change over five years35.5 percent
- Rank by GDP among Maine counties10th
- Rank by GDP among US county-equivalents1088th
- GDP per resident$43,484
Output grew 3.2 percent in the latest year and 35.5 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Oxford County
Who employs people in Oxford County
- Covered employment, annual average17,009
- Establishments reporting1,839
- Average annual pay$50,809
- Average weekly wage$977
- Sector 62, employment2,442
- Sector 62, average annual pay$55,771
- Sector 44-45, employment2,404
- Sector 44-45, average annual pay$37,905
- Sector 72, employment2,128
- Sector 72, average annual pay$31,815
- Sector 31-33, employment2,055
- Sector 31-33, average annual pay$72,791
- Sector 23, employment1,041
- Sector 71, employment758
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 62 | 2,442 | 141 | $55,771 |
| Sector 44-45 | 2,404 | 216 | $37,905 |
| Sector 72 | 2,128 | 156 | $31,815 |
| Sector 31-33 | 2,055 | 59 | $72,791 |
| Sector 23 | 1,041 | 244 | $60,842 |
| Sector 71 | 758 | 38 | $35,312 |
| Sector 81 | 422 | 122 | $37,257 |
| Sector 54 | 403 | 222 | $84,926 |
The largest sector is the biggest private employer group at 2,442 jobs, 14.4 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Oxford County
What businesses operate in Oxford County
- Establishments, all industries1,381
- Employment at those establishments14,143
- Annual payroll$694.2 m
- Establishments per 1,000 residents23.3
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Oxford County
What is being built in Oxford County
- Housing units authorised by permit, 2024372
- Declared construction value permitted$120.4 m
- Single family units authorised362
- Multifamily units authorised10
- Multifamily share of units2.7 percent
- Average declared value per unit$323,562
- Units authorised per 1,000 households15.4
Multifamily is 2.7 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Oxford County
How much SBA lending happens in Oxford County
- 7(a) approvals recorded84
- 7(a) gross approval dollars$11.5 m
- Average 7(a) approval$137,304
- Median 7(a) approval$70,000
- 10th percentile approval$20,000
- 90th percentile approval$300,000
- Largest single approval$1,100,000
- Jobs reported supported, 7(a)309
- Jobs per approval3.7
- Distinct 7(a) lenders active14
- Distinct industries receiving approvals45
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer10.7 percent
- Loans on real estate terms9
- Loans on working capital terms, 120 months or shorter73
- Franchise loans1
- Franchise share of approvals1.2 percent
- Leading industry by approval countGeneral Freight Trucking, Local (9)
- Most active lenderTD Bank, National Association (39)
- 504 approvals recorded22
- 504 gross approval dollars$11.6 m
- Average 504 approval$526,955
- Median 504 approval$314,000
- Distinct CDCs active3
- 504 jobs per approval9.5
- 504 jobs per million dollars approved17.9
- Most active CDCGranite State Economic Development Corporation (19)
- 7(a) share of SBA approvals79.2 percent
- Combined SBA approval dollars$23.1 m
The average approval of $137,304 sits well above the median of $70,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 10.7 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Oxford County
Do SBA loans in Oxford County get paid back
- Loans with a final outcome recorded14
- Paid in full14
- Charged off0
- Charge off rate on resolved loans0.0 percent
- Status: Paid in full14
- Status: Exempt from disclosure53
- Status: Cancelled12
- Status: Committed, not yet disbursed5
Of the 14 loans that have reached a final outcome, 0.0 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Oxford County
Which parts of Oxford County get the lending
- Places in the county with recorded lending21
- Oxford, approvals11
- NORWAY, approvals9
- South Paris, approvals8
- FRYEBURG, approvals8
- PORTER, approvals7
- WEST PARIS, approvals6
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Oxford | 11 | $2,131,500 |
| NORWAY | 9 | $870,500 |
| South Paris | 8 | $626,000 |
| FRYEBURG | 8 | $898,900 |
| PORTER | 7 | $252,000 |
| WEST PARIS | 6 | $335,000 |
| RUMFORD | 5 | $1,423,700 |
| BETHEL | 5 | $1,291,300 |
Oxford accounts for 11 approvals against 9 in NORWAY. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Oxford County
How big is Oxford County
- Land area2,077 sq mi
- Rank by land area among Maine counties6th of 16
- Width, east to west41.6 mi
- Height, north to south106.6 mi
- Geographies sharing a boundary4
- Residents per square mile of land29
- Establishments per square mile0.66
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Oxford County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Oxford County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population59,255
- Households24,140
- Average household size2.45
- Median household income$60,173
- Median age48.2
Common questions
Oxford County questions, answered from the record.
How many people live in Oxford County, Maine?
59,255, in 24,140 households, ranking 7th of 16 Maine counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Oxford County growing?
The population has grown 3.95 percent since the 2020 census base. In 2024 there were 492 births against 818 deaths, with net migration of 248. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Oxford County?
$60,173. The median owner-occupied home is valued at $217,300, which is 3.6 times income, and median gross rent is $836 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Oxford County?
1,381 establishments, employing 14,143 people with an annual payroll of $694.2 m. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Oxford County?
Average annual pay is $50,809, or $977 a week, across 17,009 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Oxford County?
84 7(a) approvals totalling $11.5 m since FY2020, across 14 lenders, with a median approval of $70,000, plus 22 504 approvals worth $11.6 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Oxford County get paid back?
Of the 14 loans that have reached a final outcome, 14 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Oxford County?
372 housing units were authorised by permit in 2024, with a declared construction value of $120.4 m. Multifamily was 2.7 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Oxford County?
Zone 1, a predicted average indoor radon screening level greater than 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Oxford County come from?
The largest single origin is Oxford County Non-migrants, with 23,132 households. Arriving households report an average income of $87,012 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Oxford County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Oxford County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.