The median home in Oak Harbor, Ohio is valued at $198,371, down 0.2% year over year. Oak Harbor is part of the Toledo, OH metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Toledo, OH stress score, crash risk, and 12-month forecast →

Home Value$198,371

-0.2%

AFFORDABILITY

Enter your income for Oak Harbor.

Income (annual)

Down Payment

$39,674 on $198,371

Affordable — 21.8% of income

Under the 28% guideline.

PITI$1,361

P/I21.8%

Afford$255K

Room+$57K

P&I $1,003Tax $258Ins $100

6.50% 30yr, 20% down, county tax + OH ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Ohio

Compare Oak Harbor with other housing markets across Ohio.

Hunting Valley$1601K The Village of Indian Hill$1575K Bentleyville$820K Waite Hill$748K Kirtland Hills$741K Gates Mills$734K Marble Cliff$731K Terrace Park$726K

Full Toledo, OH analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Toledo, OH metro.

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OAK HARBOR, OH