HomeOhioOttawa CountyOak Harbor village
Oak Harbor village, Ohio: commercial real estate data.
Oak Harbor village 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.
70 sourced place values · tier FULL · 8 sections · 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
- Ninetieth percentile approval$271,000
- 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
A charge-off rate is not published here. only 1 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
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
- Listed NFIP communities1
- Of those, participating1
- NFIP community number390433
- Currently effective map date12/01/22
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Ottawa County, not Oak Harbor
Ottawa County context, not Oak Harbor figures
These are Ottawa County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Oak Harbor measurements.
- Establishments in Ottawa County1,026
- Employment at those establishments, Ottawa County10,686
- Covered employment, Ottawa County14,146
- Average annual pay, Ottawa County$53,467
- Average weekly wage, Ottawa County$1,028
- Housing units permitted, Ottawa County126
- Of those, single family, Ottawa County122
- County product, 2024, Ottawa County$2,597,431,000
- County product change over the prior year, Ottawa County-2.1 percent
- Average income of an arriving household, Ottawa County$84,765
Every figure in this section is published for Ottawa County as a whole and is not a measurement of Oak Harbor. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
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 totalling $1.2 m, 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 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. 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 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 labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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