Rent in Oak Harbor, WA
Across Oak Harbor's 2 ZIP codes, a 2-bedroom typically rents for about $1,676 a month, with figures from $1,527–$1,824. The highest typical rent is in 98278 ($1,824) and the lowest in 98277 ($1,527). 1 ZIP has ZIP-level figures from HUD or Census; the other 1 uses the county Fair Market Rent. Owner-occupied homes in Island County pay about 0.67% of their value a year in property tax, and the 30-year fixed mortgage rate averaged 7.32% in the week of Oct 22, 2026.
Rent by bedrooms
| Size | Typical | Range across ZIPs | ZIPs |
|---|---|---|---|
| Studio | $1,270 | $1,270 | 2 |
| 1 bed | $1,370 | $1,280–$1,459 | 2 |
| 2 beds | $1,676 | $1,527–$1,824 | 2 |
| 3 beds | $2,177 | $1,852–$2,501 | 2 |
| 4 beds | $2,648 | $2,309–$2,987 | 2 |
Typical = median of each ZIP's best guess. Gross rent (rent plus tenant-paid utilities). Sources: Census ACS 5-year median gross rent (Dec 31, 2024) and HUD county Fair Market Rents (Oct 1, 2026).
Oak Harbor ZIP codes
2 bedsFrequently asked questions
- What is the average rent for a 2-bedroom in Oak Harbor, WA?
- About $1,676 a month: the median of the typical rents in 2 ZIP codes, which range from $1,527–$1,824. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a 1-bedroom in Oak Harbor, WA?
- About $1,370 a month: the median of the typical rents in 2 ZIP codes, which range from $1,280–$1,459. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a 3-bedroom in Oak Harbor, WA?
- About $2,177 a month: the median of the typical rents in 2 ZIP codes, which range from $1,852–$2,501. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a studio in Oak Harbor, WA?
- About $1,270 a month: the median of the typical rents in 2 ZIP codes, which range from $1,270. Figures are gross rent (rent plus tenant-paid utilities).
- What is the average rent for a 4-bedroom in Oak Harbor, WA?
- About $2,648 a month: the median of the typical rents in 2 ZIP codes, which range from $2,309–$2,987. Figures are gross rent (rent plus tenant-paid utilities).
- Which Oak Harbor ZIP code has the highest rent?
- For a 2-bedroom, 98278 has the highest typical rent at $1,824 a month, and 98277 the lowest at $1,527.
- What is the property tax rate in Oak Harbor, WA?
- Owner-occupied homes in Island County pay a typical 0.67% of their value a year (Census ACS, median taxes paid ÷ median home value, Dec 31, 2024). Investors often pay more after a purchase: the home is reassessed at the sale price and there is no homestead exemption.
- What is the current 30-year mortgage rate?
- The 30-year fixed rate averaged 7.32% in the week of Oct 22, 2026 (Freddie Mac PMMS via FRED). It's a national average for owner-occupied loans; investment property loans usually cost more.
- Where do these Oak Harbor rent figures come from?
- Census ACS 5-year median gross rent (Dec 31, 2024) and HUD county Fair Market Rents (Oct 1, 2026).