Local
Learn about the people, housing, costs and businesses in Oak Harbor, Washington
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Oak Harbor.
True all-in cost — P&I, taxes, insurance & utilities for homes in Oak Harbor.
Find and compare lenders active near Oak Harbor.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Oak Harbor.
Seismic risk and earthquake insurance estimates for Oak Harbor.
Wildfire exposure and insurance estimates for Oak Harbor.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Oak Harbor is approximately 6.851% (6.886% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for Oak HarborThe median home value in Oak Harbor is $435k. The median monthly rent is $1,594. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Oak Harbor have increased 10.5% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,655/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $71k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Oak Harbor is $77k/year.
Calculate your buying powerThe largest employment sectors in Oak Harbor are public administration (28%) and healthcare (12%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.