HomeOhioOttawa CountyOak Harbor
Oak Harbor, Ohio: commercial real estate data.
Oak Harbor is a Census village of 2,314 people across 1.59 square miles of land, in Ottawa County. Median household income is $46,211, 71.8 percent of occupied homes are owned, and the SBA record carries 9 7(a) approvals to borrowers here worth $1.2 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Oak Harbor
What Oak Harbor is
- Census place typevillage
- Land area1.59 sq mi
- Water area0.15 sq mi
- Population per square mile of land1,457
- County holding the largest share of its areaOttawa County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oak Harbor
How many people live in Oak Harbor
- Population2,314
- Median age38.4 plus or minus 10.6
- Population under 18428 plus or minus 151
- Share under 1818.5 percent plus or minus 5.8
- Population 65 and over449 plus or minus 118
- Share 65 and over19.4 percent plus or minus 4.0
- Households1,197
- Family households702 plus or minus 170
- Share of households that are families58.6 percent plus or minus 11.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oak Harbor
Income and work in Oak Harbor
- Median household income$46,211 plus or minus $12,075
- Per capita income$37,066
- Civilian labor force1,173 plus or minus 236
- Employed1,148 plus or minus 231
- Unemployed25 plus or minus 24
- Unemployment rate2.1 percent plus or minus 2.0
- Adults 25 and over1,749
- Adults 25 and over with a high school diploma or higher97.0 percent
- Adults 25 and over with a bachelor degree or higher20.8 percent plus or minus 8.0
- Adults 25 and over with a graduate degree9.7 percent plus or minus 4.2
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oak Harbor
Housing in Oak Harbor
- Housing units1,243
- Occupied units1,197
- Vacant units46 plus or minus 61
- Vacancy rate3.7 percent plus or minus 4.9
- Owner occupied860
- Renter occupied337 plus or minus 108
- Ownership rate71.8 percent
- Median owner-occupied home value$142,200
- Median gross rent, monthly$843
- Annual rent as a share of median income21.9 percent plus or minus 6.7
- Single family units998
- Share single family80.3 percent
- Units in buildings of two or more245 plus or minus 95
- Share in buildings of two or more19.7 percent plus or minus 7.2
- Mobile homes0
- Median year structure built1953
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oak Harbor
How Oak Harbor gets to work
- Workers 16 and over who commute1,013 plus or minus 223
- Commuting under 15 minutes363 plus or minus 161
- Share commuting under 15 minutes35.8 percent plus or minus 13.8
- Commuting 30 minutes or more306 plus or minus 137
- Share commuting 30 minutes or more30.2 percent plus or minus 11.8
- Drove alone80.7 percent
- Carpooled5.4 percent plus or minus 3.9
- Public transport0.0 percent
- Walked1.1 percent plus or minus 1.7
- Worked from home11.3 percent plus or minus 7.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oak Harbor
SBA loans in Oak Harbor (7(a))
- Approvals9
- Gross approval$1,185,000
- Average approval$131,667
- Median approval$65,000
- Largest approval$271,000
- Jobs supported97
- Jobs per approval10.8
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more11.1 percent
- Share to franchises44.4 percent
- Distinct lenders3
- Distinct industries by NAICS6
Counted by borrower city: approvals to borrowers whose address is in Oak Harbor, in any county, FY2020 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Oak Harbor
Flood risk in Oak Harbor
- NFIP communityVillage of Oak Harbor
- NFIP community number390433
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date12/01/22
The Village of Oak Harbor participates in the National Flood Insurance Program as community 390433 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Ottawa County, not Oak Harbor
Ottawa County context, not Oak Harbor figures
- Establishments in Ottawa County1,026
- Covered employment, Ottawa County14,146
- Average annual pay, Ottawa County$53,467
- Housing units permitted, Ottawa County126
Every figure in this section is published for Ottawa County as a whole and is not a measurement of Oak Harbor.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Oak Harbor questions, answered from the record.
How many people live in Oak Harbor, Ohio?
2,314, in 1,197 households. Oak Harbor village covers 1.59 square miles of land, which is 1,457 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Oak Harbor in?
Ottawa County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Oak Harbor?
$46,211. The median owner-occupied home is valued at $142,200. Median gross rent is $843 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Oak Harbor businesses?
9 7(a) approvals totaling $1.2 m since FY2020, across 3 lenders, median approval $65,000. These count approvals to borrowers whose address is in Oak Harbor, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Oak Harbor borrowers get paid back?
No rate is published for Oak Harbor. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Oak Harbor in the National Flood Insurance Program?
Yes. Oak Harbor appears in the FEMA Community Status Book as Oak Harbor, village of, community 390433, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Oak Harbor figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Ottawa County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Oak Harbor.
Is zoning published for Oak Harbor?
No. Nothing on this page presents parcel level zoning.
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