Ohio micro-market
Healthcare practice financing in Oxford, Ohio
Direct answer
118 healthcare providers hold a Oxford practice address, 52.2 per 10,000 of its 22,585 residents, 29 percent of them in physical, occupational, and speech therapy. Butler County recorded 7 SBA healthcare approvals worth $1,351,900, and Cincinnati, OH-KY-IN sits 28 miles out.
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- Population: 22,585 residents (10K-25K band)1
- Healthcare providers registered here: 118 across 19 fields2
- Median household income: $42,1473
- Largest provider field: Physical, occupational, and speech therapy: 34 registered providers2
- Nearest metro: Cincinnati, OH-KY-IN, 28 miles1
- Hospital: A Medicare-certified hospital operates in the town4
Fields practicing inside Oxford
118 providers across 19 fields, 52.2 per 10,000 residents, counted at Oxford addresses in the NPPES monthly file
| Field | Providers | Per 10,000 residents | Source |
|---|---|---|---|
| Physical, occupational, and speech therapy | 34 | 15.1 | NPPES [2] |
| Primary care and family medicine | 16 | 7.1 | NPPES [2] |
| General dentistry | 11 | 4.9 | NPPES [2] |
| Chiropractic | 8 | 3.5 | NPPES [2] |
| DME and HME suppliers | 7 | 3.1 | NPPES [2] |
| Optometry and ophthalmology | 6 | 2.7 | NPPES [2] |
| Behavioral and mental health group practices | 6 | 2.7 | NPPES [2] |
| Specialty physician groups | 5 | 2.2 | NPPES [2] |
| Skilled nursing, assisted living, and memory care | 5 | 2.2 | NPPES [2] |
| Audiology and hearing centers | 4 | 1.8 | NPPES [2] |
| Independent pharmacy | 3 | 1.3 | NPPES [2] |
| Non-medical home care | 3 | 1.3 | NPPES [2] |
| Urgent care | 2 | 0.9 | NPPES [2] |
| Pain management and interventional | 2 | 0.9 | NPPES [2] |
| Dialysis and infusion centers | 2 | 0.9 | NPPES [2] |
| NEMT and ambulance | 1 | 0.4 | NPPES [2] |
| Med spa and aesthetics | 1 | 0.4 | NPPES [2] |
| Ketamine, TMS, and interventional psychiatry | 1 | 0.4 | NPPES [2] |
| Telehealth and virtual clinics | 1 | 0.4 | NPPES [2] |
| Medical equipment suppliers | 3 | CMS [4] |
A single Oxford practice can hold more than one of these numbers. 29 percent sit in physical, occupational, and speech therapy, counted as clinicians rather than as owners.
What Butler County credit files already show
With 7 healthcare approvals recorded, Butler County gives a valuation almost nothing local to lean on
| Line | Amount | Reading and source |
|---|---|---|
| Healthcare files approved | 7 | One published fiscal year, healthcare borrowers only [5] |
| Dollars behind them | $1,351,900 | Approved, not disbursed, and not net of withdrawals [5] |
| Typical approval size | $193,129 | A mean, so one large approval moves it [5] |
| Credit offices operating locally | 178 | Credit intermediation offices sited in the county [6] |
How this data lands in an underwriting decision
Density of 52.2 per 10,000 sets the patient draw a projection can claim without an argument. With 7 approvals on record in Butler County, expect a longer appraisal and a wider collateral discount. A $42,147 median household income here sets the ceiling on what an elective or cash-pay line can be expected to carry.
Programs the Oxford mix reaches for
- Practice acquisition
- Startup and de novo
- Working capital term loan
- Expansion, relocation, and build-out
- Equipment financing and leasing
Built from what is enumerated here rather than from a national list, so a field with no presence in Oxford does not appear. Availability is still a Ohio question.
The first pages of a Oxford file
physical, occupational, and speech therapy, primary care and family medicine, general dentistry account for most of what is enumerated in Oxford, so those are the files funders see from this town
| Practice type | The pages that decide it | Typical capital event |
|---|---|---|
| Physical, occupational, and speech therapy (34) | Visits per case, Referral source concentration, Payer mix and authorization rules | Startup or expansion clinic |
| Primary care and family medicine (16) | Panel size, Value-based contract exposure, Provider productivity | Acquisition |
| General dentistry (11) | Three years of collections history, Hygiene as a share of collections, Overhead ratio and owner add-backs | Acquisition of an established practice |
Local counts come from NPPES. What a file turns on is drawn from how the field is generally reviewed, not from any decision about your practice.
Density beside the neighboring Ohio towns
Set Oxford's 52.2 per 10,000 against the towns an appraiser would reach for next
| Town | Residents | Providers | Per 10,000 | Miles away |
|---|---|---|---|---|
| Oxford (current) | 22,585 | 118 | 52.2 | |
| Hamilton | 63,953 | 743 | 116.2 | 12 |
| Trenton | 14,131 | 38 | 26.9 | 15 |
| Fairfield | 45,094 | 496 | 110.0 | 16 |
| Harrison | 13,526 | 108 | 79.8 | 17 |
| Middletown | 52,291 | 489 | 93.5 | 20 |
| Monroe | 15,950 | 52 | 32.6 | 21 |
Distance, income, and the wage floor around Oxford
Cincinnati, OH-KY-IN lies 28 miles from Oxford, close enough for rent comparables to travel and far enough that patient draw does not. Median household income runs $42,147, which is the number a funder converts into case acceptance on anything elective or cash-pay. The Medicare-certified hospital in Oxford sets the local wage floor before you hire against it. A degree-granting institution here moves volume on the academic calendar.
More of Ohio
What owners in Oxford ask
01How many providers practice in Oxford, and in what?
118 enumerations sit at Oxford addresses in the monthly NPPES file, working out to 52.2 for every 10,000 residents. 29 percent of them are physical, occupational, and speech therapy, and primary care and family medicine follows with 16. An enumeration is a clinician, so the 118 here cover fewer than 118 practices.
02What does Butler County's shortage designation change?
HRSA designates Butler County for primary care, dental, mental health. That opens loan repayment programs for clinicians recruited into Oxford and evidences a staffing ramp in a 22,585 resident market.
03Why does Butler County show so little SBA activity?
Butler County shows 7 approvals in the SBA healthcare file, which means an appraiser reaches outside the county for comparables. Few sales, not weak credit, is the usual reason. 178 lending establishments operate locally.
04How does the hospital in Oxford affect a practice file?
It makes the staffing and referral lines checkable. and the hospital sets the wage a clinical hire is bid against in a 52.2 per 10,000 market.
05What does a $42,147 median income mean for case acceptance?
Median household income in Oxford runs $42,147. On elective and cash-pay work that is the number a funder converts into case acceptance, and it sets how much of a treatment plan a projection can assume gets started rather than deferred.
06Which fields carry the volume in Oxford?
Volume concentrates in physical, occupational, and speech therapy, 34 of them, ahead of primary care and family medicine at 16, across 19 fields. A thin second field usually means a longer search for staff than a pro forma allows for.
Sources
- 1U.S. Census Bureau, Population Estimates, vintage 2024
- 2CMS NPPES, monthly full replacement file
- 3U.S. Census Bureau, ACS 5-year 2023, table B19013
- 4CMS Care Compare provider datasets
- 5U.S. Small Business Administration, 7(a) and 504 approvals
- 6U.S. Census Bureau, County Business Patterns 2022
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