Median home value in zip code 98277 (Oak Harbor, WA) is $522,305, up 1.6% year over year. Part of the Oak Harbor, WA metropolitan area.

Home Value$522,305

YoY Change

+1.6%

Prices rising — worse for buyers.

Affordability

Enter your income for 98277 (Oak Harbor).

Income (annual)

Down Payment

$104,461 on $522,305

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

Out of reach50.9% of income

Need $136,457/yr to afford.

PITI$3,184

P/I50.9%

Afford$287K

Gap-$235K

P&I $2,641Tax $427Ins $117

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

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

Metro Analysis

98277 is part of the Oak Harbor, WA metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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