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.

Home Value$516,705

+1.3%

Rent$1,944/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Oak Harbor.

Income (annual)

Down Payment

$103,341 on $516,705

Example: $75,000 household income. Change it above to see your own.

Out of reach50.4% of income

Need $135,043/yr to afford.

PITI$3,151

P/I50.4%

Afford$287K

Gap-$230K

P&I $2,613Tax $422Ins $117

Renting $1,207/mo cheaper ($1,944 rent)6.50% 30yr, 20% down, county tax + WA ins. 28% per HUD.

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

Other cities in Washington

Compare Oak Harbor with other housing markets across Washington.

Hunts Point$7.98M Medina$4.38M Yarrow Point$4.21M Clyde Hill$4.01M Beaux Arts Village$2.76M Woodway$2.3M Mercer Island$2.24M Sammamish$1.57M

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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