Market Overview
Home Prices in Oak Harbor, WA
The median home value in Oak Harbor, WA is $537,672 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.6% compared to a year ago and up 1.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Oak Harbor are priced31% above average. Oak Harbor is part of the Oak Harbor, WA metro area.
Over the past five years, Oak Harbor home values have risen by approximately14.7%, reflecting steady appreciation in this market.
Price History
Oak Harbor Home Price Trend
City Comparison
Oak Harbor vs. National Median
At $537,672, homes in Oak Harbor cost 31% above the national median of $410,000. Buyers in Oak Harbor should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Oak Harbor?
20% Down Payment
$107,534
on $537,672
Monthly P&I
$2,804/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,561/mo
incl. taxes & insurance
Income Needed
$142,440
gross annual (30% rule)
10% Down Option
$53,767
+ PMI applies
Loan Amount (20% dn)
$430,138
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 Harbor, WA?
The median home value in Oak Harbor is $537,672 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.6% year-over-year.
How much have home prices changed in Oak Harbor?
Over the past year, home values in Oak Harbor have increased by 1.6%. Over five years, prices have risen approximately 14.7%.
How much do I need to earn to buy a home in Oak Harbor?
To comfortably afford the median home price of $537,672 with a 20% down payment ($107,534) at today's rates (6.8%), you'd need a gross annual income of approximately $142,440. This assumes keeping total housing costs at or below 30% of gross income.
How does Oak Harbor compare to the national average home price?
The national median home value is approximately $410,000. At $537,672, homes in Oak Harbor are 31% above the national average.
What metro area is Oak Harbor part of?
Oak Harbor is part of the Oak Harbor, WA metropolitan area. Home prices and market conditions can vary across the broader metro region.