LatestCoverageAll 50 states, D.C. and five territories now on the ledger|NewPuerto Rico's 78 municipios ledgered, municipio by municipio|FeatureAssessment appeal workspace — build a filing package from your own evidence|FeatureLiving reports — versioned, re-runnable, exportable|DevelopersMetered REST gateway · issued keys · signed webhooks|Live market readings · refreshed on loadAlbuquerque · NMMedian List$360K+1.3%|Austin · TXMedian List$290K-3.5%|Baltimore · MDMedian List$265K+1.1%|Bernalillo County · NMMedian List$364K+2.7%|Bexar County · TXMedian List$303K+3.7%|Boston · MAMedian List$875K+6.1%|Charlotte · NCMedian List$402K+1.2%|Chicago · ILMedian List$410K+7.8%|Clark County · NVMedian List$447K+0.1%|Columbus · OHMedian List$300K+0.7%|Cook County · ILMedian List$348K+5.1%|Dallas · TXMedian List$412K+3.4%|Davidson County · TNMedian List$465K-1.1%|Denver · COMedian List$618K+5.0%|Detroit · MIMedian List$321K-2.7%|Duval County · FLMedian List$312K-1.4%|El Paso · TXMedian List$301K+11.1%|Fort Worth · TXMedian List$330K-1.5%|Franklin County · OHMedian List$301K+0.1%|Fresno · CAMedian List$375K+2.1%|Harris County · TXMedian List$327K+0.6%|Houston · TXMedian List$325K-2.3%|Indianapolis · INMedian List$250K+2.7%|Jackson County · MOMedian List$275K+7.0%|Jacksonville · FLMedian List$312K-1.4%|Jefferson County · KYMedian List$248K-4.3%|Kansas City · MOMedian List$310K+3.1%|King County · WAMedian List$850K-4.0%|Las Vegas · NVMedian List$450K+1.1%|Los Angeles · CAMedian List$1M-1.7%|Louisville · KYMedian List$280K+1.8%|Maricopa County · AZMedian List$458K-0.4%|Marion County · INMedian List$259K+3.7%|Mecklenburg County · NCMedian List$407K-5.3%|Memphis · TNMedian List$209K+4.7%|Mesa · AZMedian List$490K-0.9%|Milwaukee · WIMedian List$245K+2.7%|Multnomah County · ORMedian List$518K-1.2%|Nashville · TNMedian List$495K+3.1%|New York · NYMedian List$885K+8.7%|Oklahoma City · OKMedian List$275K-0.4%|Oklahoma County · OKMedian List$259K-0.7%|Philadelphia · PAMedian List$279K+4.6%|Phoenix · AZMedian List$452K+0.5%|Pima County · AZMedian List$373K+0.9%|Portland · ORMedian List$518K-2.2%|Sacramento · CAMedian List$510K+4.0%|San Antonio · TXMedian List$257K-2.9%|San Diego · CAMedian List$910K+1.1%|San Francisco · CAMedian List$1.6M+14.9%|San Jose · CAMedian List$1.6M-5.9%|Santa Clara County · CAMedian List$1.3M+0.1%|Seattle · WAMedian List$844K+1.2%|Shelby County · TNMedian List$250K-2.8%|Suffolk County · MAMedian List$857K+7.3%|Tarrant County · TXMedian List$385K-1.2%|Travis County · TXMedian List$497K-5.3%|Tucson · AZMedian List$324K-0.9%|Wayne County · MIMedian List$160K0.0%|LatestCoverageAll 50 states, D.C. and five territories now on the ledger|NewPuerto Rico's 78 municipios ledgered, municipio by municipio|FeatureAssessment appeal workspace — build a filing package from your own evidence|FeatureLiving reports — versioned, re-runnable, exportable|DevelopersMetered REST gateway · issued keys · signed webhooks|Live market readings · refreshed on loadAlbuquerque · NMMedian List$360K+1.3%|Austin · TXMedian List$290K-3.5%|Baltimore · MDMedian List$265K+1.1%|Bernalillo County · NMMedian List$364K+2.7%|Bexar County · TXMedian List$303K+3.7%|Boston · MAMedian List$875K+6.1%|Charlotte · NCMedian List$402K+1.2%|Chicago · ILMedian List$410K+7.8%|Clark County · NVMedian List$447K+0.1%|Columbus · OHMedian List$300K+0.7%|Cook County · ILMedian List$348K+5.1%|Dallas · TXMedian List$412K+3.4%|Davidson County · TNMedian List$465K-1.1%|Denver · COMedian List$618K+5.0%|Detroit · MIMedian List$321K-2.7%|Duval County · FLMedian List$312K-1.4%|El Paso · TXMedian List$301K+11.1%|Fort Worth · TXMedian List$330K-1.5%|Franklin County · OHMedian List$301K+0.1%|Fresno · CAMedian List$375K+2.1%|Harris County · TXMedian List$327K+0.6%|Houston · TXMedian List$325K-2.3%|Indianapolis · INMedian List$250K+2.7%|Jackson County · MOMedian List$275K+7.0%|Jacksonville · FLMedian List$312K-1.4%|Jefferson County · KYMedian List$248K-4.3%|Kansas City · MOMedian List$310K+3.1%|King County · WAMedian List$850K-4.0%|Las Vegas · NVMedian List$450K+1.1%|Los Angeles · CAMedian List$1M-1.7%|Louisville · KYMedian List$280K+1.8%|Maricopa County · AZMedian List$458K-0.4%|Marion County · INMedian List$259K+3.7%|Mecklenburg County · NCMedian List$407K-5.3%|Memphis · TNMedian List$209K+4.7%|Mesa · AZMedian List$490K-0.9%|Milwaukee · WIMedian List$245K+2.7%|Multnomah County · ORMedian List$518K-1.2%|Nashville · TNMedian List$495K+3.1%|New York · NYMedian List$885K+8.7%|Oklahoma City · OKMedian List$275K-0.4%|Oklahoma County · OKMedian List$259K-0.7%|Philadelphia · PAMedian List$279K+4.6%|Phoenix · AZMedian List$452K+0.5%|Pima County · AZMedian List$373K+0.9%|Portland · ORMedian List$518K-2.2%|Sacramento · CAMedian List$510K+4.0%|San Antonio · TXMedian List$257K-2.9%|San Diego · CAMedian List$910K+1.1%|San Francisco · CAMedian List$1.6M+14.9%|San Jose · CAMedian List$1.6M-5.9%|Santa Clara County · CAMedian List$1.3M+0.1%|Seattle · WAMedian List$844K+1.2%|Shelby County · TNMedian List$250K-2.8%|Suffolk County · MAMedian List$857K+7.3%|Tarrant County · TXMedian List$385K-1.2%|Travis County · TXMedian List$497K-5.3%|Tucson · AZMedian List$324K-0.9%|Wayne County · MIMedian List$160K0.0%|
Property-class scope

The story of this market

The typical home in ZIP 98277 sells for about $537,000, or $324 per square foot.

Prices are up +7.4% from a year ago, so sellers still have some momentum. Homes take about 37 days to sell. HUD's fair market rent for a two-bedroom is $1,966 a month.

ZIP market report · consumer edition · quarterly refresh
Track this ZIP

ZIP 98277 — Oak Harbor

Island County →refreshed Oct 1, 2026next refresh Oct 31, 2026
Market mood · neutral

The Oak Harbor housing market shows a median sold price of $537,000 with a competitive landscape driven by local military employment. Inventory levels have seen a slight increase, though specific metrics like sale-to-list ratios and precise price-cut percentages are not currently published for this ZIP. The market remains stable, reflecting consistent demand in the Whidbey Island region.

Who this ZIP fits

This ZIP is well-suited for military families, commuters seeking a coastal lifestyle, and those looking for a balance between small-town living and access to regional outdoor recreation.

Parent geography
Oak Harbor · no city intel reportIsland County →Washington state →
Aerial view · ZIP boundaries2020 Census ZCTA boundary over current aerial imagery
Leaflet Imagery © Esri, Maxar, Earthstar Geographics
Land area · 148.3 km²Water area · 36 km²U.S. Census Bureau TIGERweb — 2020 Census ZCTA5 boundary
Median sale price
$537,000
+7.4% year over year
Corroboration pending — anchor baseline forms on the first refresh cycles
Days on market
37 days
Active listings
225
ZIP Market ScoreZIP-SCORE-1.3 · 4/4 sections graded
77
Composite · average of graded sections
Computed only from this report's published readings — sections without data are excluded, never estimated.
87
Growth/100

Median prices moved up 7.4% year over year.

78
Liquidity/100

Homes spend a median of 37 days on market with 0.0 months of supply — a fast-moving market.

50
Momentum/100

0% of listings have cut prices · homes sell at 0% of asking — demand is holding steady.

93
Safety & stability/100

no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · poverty 8.0% — a stable, low-distress profile.

Census trends · population flowsACS 2024 5-year estimates
Population base
41,660

ZCTA 98277, Island County WA

Area context
Schools & education

Schools in the Oak Harbor area are primarily served by the Oak Harbor School District, which provides public education for the community.

Environmental & hazard

The area is subject to standard Pacific Northwest climate risks, including potential for wind and winter weather events; property insurance remains a standard consideration for coastal Island County residents.

Growth & development

The local economy is heavily influenced by the presence of Naval Air Station Whidbey Island, which serves as a primary employer and economic anchor for the region.

Taxation

Property taxes in this jurisdiction are assessed by Island County, with an effective rate of approximately 0.7% for residential parcels.

Transportation & commute

Commuting from Oak Harbor typically involves travel via State Route 20, which connects the city to the rest of Whidbey Island and mainland ferry terminals.

Recreation & amenities

The area features significant access to outdoor amenities, including waterfront parks, trails along the Puget Sound, and proximity to Deception Pass State Park.

Rental market

The rental market is characterized by steady demand, partly driven by military personnel stationed at the nearby naval base, with a median rent of approximately $1,966.

Economy & employers

The economy is anchored by Naval Air Station Whidbey Island, with supporting sectors in retail, services, and tourism.

Transportation & infrastructure

Transportation relies primarily on private vehicles via State Route 20, with limited public transit options connecting to ferry terminals.

County appraisal district

The Island County Assessor manages property valuations for tax purposes across the county.

Special districts

Parcels are subject to local school district levies and county-wide service districts.

Insurance & hazard market

Property insurance premiums are influenced by coastal proximity and regional hazard profiles typical of Island County.

Discovery profileACS 2024 5-year estimates
Census profile · ZCTA 98277, Island County WA
Population
41,660
Median age
35.2 yrs
Owner-occupancy
59%
Median home value
$477,500
Median gross rent
$1,966
Median household income
$83,253
Median year built
1985
Renter share
41%
Mean commute
20.1 min
Poverty rate
8%

Data sourced from Census Reporter and City-Data profiles.

School districts
Oak Harbor School DistrictNot determinablePrimary district serving the Oak Harbor area.
Major employers & industries
Naval Air Station Whidbey IslandMilitary/GovernmentPrimary regional employer.
Major amenities · ZIP 98277
Theme, amusement & water parks
1 · 20 mi
Entertainment venues, stadiums & amphitheaters
12 · 20 mi
Family fun & things to do
20+ · 13 mi
Museums, galleries & history
14 · 20 mi
Parks, trails & nature
20+ · 13 mi
Lakes, marinas & beaches
11 · 20 mi
Golf
6 · 13 mi
Shopping & dining districts
10 · 13 mi

Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.

Amenities & attractions1 retained amenity
Inside this ZIP
Deception Pass State Park
Park

A major regional landmark featuring iconic bridges, hiking trails, and coastal views.

Sources · 6 cited

Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.