States › Washington › Oak Harbor

Is Oak Harbor, WA expensive to live in?

OKRent takes 27 cents of every $1 people earn here.
🏠 Rent per month (2026)$1,8546% higher than U.S. average
💵 Families earn per year (2026)$82,057about $6,838/month · 6% lower than U.S. average
🔑 House price$461,20039% higher than U.S. average

Rent is higher than in 61% of U.S. cities. A typical house costs about 5.6 years of household income. Commutes are short, about 18.4 minutes.

How much money do I need?

To rent here comfortably, you should earn about $74,160 a year. That is $36 an hour at a full-time job.

Is rent cheaper than other Washington cities?

Yes. Rent here is cheaper than in most of Washington. It is number 62 of 192 cities from cheapest to most expensive.

Oak Harbor
$1,854
Bainbridge Island
$2,598
Kenmore
$2,485
Eastmont
$2,276
Mercer Island
$2,551
Frederickson
$2,530
North Lynnwood
$2,745

How much do households earn in Oak Harbor?

Under $25k
8.6%
$25k–50k
21.8%
$50k–100k
41.8%
$100k–150k
19.6%
$150k+
5.3%

Share of households by yearly income. 24.9% of households earn $100,000 or more.

Rent by apartment size in Oak Harbor

SizeOak HarborU.S. average
Studio$848$1,338
1 bedroom$1,361$1,324
2 bedrooms$1,625$1,509
3 bedrooms$1,897$1,698
4 bedrooms$2,458$2,098

Median monthly rent plus utilities for all renters, by number of bedrooms.

How expensive is Oak Harbor overall?

Everyday prices in Washington overall are 7% above the U.S. average (index 107.0, U.S. = 100).

Housing
126
Goods (food, clothes…)
104
Utilities
93
Other services
104
U.S. average
100

Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024. City-level data is not published for Oak Harbor, so the Washington figure is shown.

Taxes and bills in Oak Harbor

🏛️ Property tax$3,596a year · 0.78% of home value · U.S. $3,119
⚡ Electric bill$99a month (typical) · U.S. $156

Life in Oak Harbor

Commute to work18.4 minU.S.: 26.4 min
College degree28.9%U.S.: 35.7%
Own their home46.7%U.S.: 65.2%
Below poverty line8.3%U.S.: 12.5%
Unemployment5.4%U.S.: 5.2%

Is it cheaper to rent or buy in Oak Harbor?

Renting is cheaper right now: about $1,346 a month less.

Renting
$1,854
Owning
$3,200

Owning assumes a typical $461,200 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $46,120 for the down payment.

Frequently asked questions

What is the average rent in Oak Harbor, WA?

Renting in Oak Harbor costs a median of about $1,854 a month in 2026, including utilities. The Washington median is $2,025.

How much do I need to make to live in Oak Harbor?

To keep rent under 30% of income, you need about $74,160 a year, or $36 an hour at a full-time job.

Is Oak Harbor cheap or expensive?

Oak Harbor is rated OK: rent takes 27.1% of the typical household income of $82,057. It ranks 62nd cheapest of 192 Washington cities we track.

How much are property taxes in Oak Harbor?

The median homeowner in Oak Harbor pays $3,596 a year in property taxes, about 0.78% of the median home value.

Is Oak Harbor more expensive than the national average?

Overall prices in Washington are 7% above the U.S. average, according to the U.S. Bureau of Economic Analysis.

How much does a house cost in Oak Harbor?

The median home value in Oak Harbor is $461,200, about 5.6 times the typical yearly household income.

24,362 people live in Oak Harbor. Numbers are typical (middle) values.