Oxford, NJ

The affordability dashboard for Oxford, NJ aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 4,332 residents, then layers in county-level federal data to produce an overall grade of C (59/100). The headline inputs are median household income of $94,167, median home value of $294,000, median rent of $1,589 per month, and 30.2% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,895 per month (studio $1,517, 1BR $1,527, 3BR $2,404, 4BR $2,800). Department of Labor data lists infant center-based childcare at $14,870 per year, consuming 16% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Strengths visible in the raw data for Oxford, NJ include income. Pressure points are commute. Unemployment currently reads 4.9% and poverty 6.5% — numbers worth keeping alongside the headline grade.