Market Overview
Home Prices in Oak Bluffs, MA
The median home value in Oak Bluffs, MA is $1,268,815 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.7% compared to a year ago and down 0.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Oak Bluffs are priced209% above average. Oak Bluffs is part of the Vineyard Haven, MA metro area.
Over the past five years, Oak Bluffs home values have risen by approximately33.6%, reflecting strong long-term appreciation in this market.
Price History
Oak Bluffs Home Price Trend
City Comparison
Oak Bluffs vs. National Median
At $1,268,815, homes in Oak Bluffs cost 209% above the national median of $410,000. Buyers in Oak Bluffs should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Oak Bluffs?
20% Down Payment
$253,763
on $1,268,815
Monthly P&I
$6,617/mo
30-yr @ 6.8%
Total Monthly Est.
~$8,404/mo
incl. taxes & insurance
Income Needed
$336,160
gross annual (30% rule)
10% Down Option
$126,882
+ PMI applies
Loan Amount (20% dn)
$1,015,052
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Oak Bluffs, MA?
The median home value in Oak Bluffs is $1,268,815 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.7% year-over-year.
How much have home prices changed in Oak Bluffs?
Over the past year, home values in Oak Bluffs have increased by 1.7%. Over five years, prices have risen approximately 33.6%.
How much do I need to earn to buy a home in Oak Bluffs?
To comfortably afford the median home price of $1,268,815 with a 20% down payment ($253,763) at today's rates (6.8%), you'd need a gross annual income of approximately $336,160. This assumes keeping total housing costs at or below 30% of gross income.
How does Oak Bluffs compare to the national average home price?
The national median home value is approximately $410,000. At $1,268,815, homes in Oak Bluffs are 209% above the national average.
What metro area is Oak Bluffs part of?
Oak Bluffs is part of the Vineyard Haven, MA metropolitan area. Home prices and market conditions can vary across the broader metro region.