The median home in Oak Harbor, Washington is valued at $516,705, up 1.3% year over year. Typical monthly rent is $1,944, producing a price-to-rent ratio of 22.1x — well above the national average of 18x. Oak Harbor is part of the Oak Harbor, WA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$516,705
+1.3%
Rent$1,944/mo
AFFORDABILITYRenting $1,207/mo cheaper ($1,944 rent)6.50% 30yr, 20% down, county tax + WA ins. 28% per HUD.
Enter your income for Oak Harbor.
$103,341 on $516,705
Out of reach — 50.4% of income
Need $135,043/yr to afford.
PITI$3,151
P/I50.4%
Afford$287K
Gap-$230K
P&I $2,613Tax $422Ins $117
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
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Full Oak Harbor, WA analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Oak Harbor, WA metro.
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