ABSTRACT We present the identification and analysis of an X-ray selected AGN sample that lie within the local (z < 0.35) galaxy population. From a parent sample of 22 079 MPA-JHU (based on SDSS DR8) galaxies, we identified 917 galaxies with central, excess X-ray emission (from 3XMM-DR7) likely originating from an AGN. We measured the host galaxies’ star formation rates and classified them as either star-forming or quiescent based on their position relative to main sequence of star formation. Only 72 per cent of the X-ray selected sample were identified as AGN using BPT selection; this technique is much less effective in quiescent hosts, only identifying 50 per cent of the X-ray AGN. We also calculated the growth rates of the black holes powering these AGN in terms of their specific accretion rate (∝ LX/M*) and found quiescent galaxies, on average, accrete at a lower rate than star-forming galaxies. Finally, we measured the sensitivity function of 3XMM so we could correct for observational bias and construct probability distributions as a function of accretion rate. AGN were found in galaxies across the full range of star formation rates ($\log _{10} \, \mathrm{SFR/M_\odot \ yr^{-1}} = -3\ \mathrm{to}\ 2$) in both star-forming and quiescent galaxies. The incidence of AGN was enhanced by a factor 2 (at a 3.5σ significance) in star-forming galaxies compared to quiescent galaxies of equivalent stellar mass and redshift, but we also found a significant population of AGN hosted by quiescent galaxies.