HomeWashingtonIsland CountyOak Harbor
Oak Harbor, Washington: commercial real estate data.
Oak Harbor is a Census city of 24,362 people across 9.66 square miles of land, in Island County. Median household income is $76,084, 46.7 percent of occupied homes are owned, and the SBA record carries 29 7(a) approvals to borrowers here worth $15.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Oak Harbor
What Oak Harbor is
- Census place typecity
- Land area9.66 sq mi
- Water area2.66 sq mi
- Population per square mile of land2,521
- County holding the largest share of its areaIsland 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
- Population24,362
- Median age31.5
- Population under 186,485
- Share under 1826.6 percent
- Population 65 and over3,118
- Share 65 and over12.8 percent
- Households9,774
- Family households6,604
- Share of households that are families67.6 percent
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$76,084
- Per capita income$36,377
- Civilian labor force8,830
- Employed8,351
- Unemployed479 plus or minus 165
- Unemployment rate5.4 percent plus or minus 1.8
- Adults 25 and over15,646
- Adults 25 and over with a high school diploma or higher95.3 percent
- Adults 25 and over with a bachelor degree or higher28.9 percent
- Adults 25 and over with a graduate degree9.8 percent plus or minus 2.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oak Harbor
Housing in Oak Harbor
- Housing units10,693
- Occupied units9,774
- Vacant units919 plus or minus 240
- Vacancy rate8.6 percent plus or minus 2.2
- Owner occupied4,567
- Renter occupied5,207
- Ownership rate46.7 percent
- Median owner-occupied home value$461,200
- Median gross rent, monthly$1,645
- Annual rent as a share of median income25.9 percent
- Single family units6,313
- Share single family59.0 percent
- Units in buildings of two or more3,883
- Share in buildings of two or more36.3 percent
- Mobile homes497 plus or minus 126
- Median year structure built1990
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 commute11,017
- Commuting under 15 minutes5,612
- Share commuting under 15 minutes50.9 percent
- Commuting 30 minutes or more2,229
- Share commuting 30 minutes or more20.2 percent
- Drove alone77.4 percent
- Carpooled12.6 percent plus or minus 3.0
- Public transport0.9 percent plus or minus 0.7
- Walked1.8 percent plus or minus 1.3
- Worked from home5.7 percent plus or minus 1.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Oak Harbor
SBA loans in Oak Harbor (7(a))
- Approvals29
- Gross approval$15,946,400
- Average approval$549,876
- Median approval$202,000
- Ninetieth percentile approval$1,254,800
- Largest approval$3,950,000
- Jobs supported209
- Jobs per approval7.2
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more31.0 percent
- Share to franchises17.2 percent
- Distinct lenders13
- Distinct industries by NAICS19
Counted by borrower city: approvals to borrowers whose address is in Oak Harbor, in any county, FY2020 to FY2026. Only 2 loans have 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
SBA loans in Oak Harbor (504)
- Approvals13
- Gross approval$6,599,000
- Average approval$507,615
- Median approval$304,000
- Largest approval$2,135,000
- Jobs supported39
- Loans with a final outcome4
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Oak Harbor, in any county, FY2010 to FY2026. Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Oak Harbor
Flood risk in Oak Harbor
- NFIP communityCity of Oak Harbor
- NFIP community number530068
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date03/07/17
The City of Oak Harbor participates in the National Flood Insurance Program as community 530068 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.
Island County, not Oak Harbor
Island County context, not Oak Harbor figures
- Establishments in Island County1,941
- Covered employment, Island County18,271
- Average annual pay, Island County$58,929
- Housing units permitted, Island County402
Every figure in this section is published for Island 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, Washington?
24,362, in 9,774 households. Oak Harbor city covers 9.66 square miles of land, which is 2,521 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?
Island 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?
$76,084. The median owner-occupied home is valued at $461,200. Median gross rent is $1,645 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?
29 7(a) approvals totaling $15.9 m since FY2020, across 13 lenders, median approval $202,000, plus 13 504 approvals worth $6.6 m since FY2010. 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 2 loans have 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, city of, community 530068, 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 Island 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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