Rent in 98278 (Oak Harbor, WA)
There are no ZIP-level rent figures for 98278, so the estimate uses the HUD Fair Market Rent for Island County: $1,824 a month for a 2-bedroom. Other sizes: studio $1,270, 1 bed $1,459, 3 beds $2,501, 4 beds $2,987. 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 | Range | Best guess | County FMR |
|---|---|---|---|
| Studio | $1,270 | $1,270 | $1,270used above |
| 1 bed | $1,459 | $1,459 | $1,459used above |
| 2 beds | $1,824 | $1,824 | $1,824used above |
| 3 beds | $2,501 | $2,501 | $2,501used above |
| 4 beds | $2,987 | $2,987 | $2,987used above |
- Studio: HUD Fair Market Rent (county) $1,270 (Oct 1, 2026)
- 1 bed: HUD Fair Market Rent (county) $1,459 (Oct 1, 2026)
- 2 beds: HUD Fair Market Rent (county) $1,824 (Oct 1, 2026)
- 3 beds: HUD Fair Market Rent (county) $2,501 (Oct 1, 2026)
- 4 beds: HUD Fair Market Rent (county) $2,987 (Oct 1, 2026)
Gross rent (rent plus tenant-paid utilities). Sources: HUD county Fair Market Rents (Oct 1, 2026).
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Frequently asked questions
- What is the rent for a 2-bedroom in 98278?
- $1,824 a month, the HUD Fair Market Rent for Island County; there is no ZIP-level figure for 98278.
- What is the rent for a 1-bedroom in 98278?
- $1,459 a month, the HUD Fair Market Rent for Island County; there is no ZIP-level figure for 98278.
- What is the rent for a 3-bedroom in 98278?
- $2,501 a month, the HUD Fair Market Rent for Island County; there is no ZIP-level figure for 98278.
- What is the rent for a studio in 98278?
- $1,270 a month, the HUD Fair Market Rent for Island County; there is no ZIP-level figure for 98278.
- What is the rent for a 4-bedroom in 98278?
- $2,987 a month, the HUD Fair Market Rent for Island County; there is no ZIP-level figure for 98278.
- What is the property tax rate in ZIP 98278?
- 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 the 98278 rent figures come from?
- HUD county Fair Market Rents (Oct 1, 2026).