98277Oak Harbor, Washington

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 98277.

59out of 100
Area Score
Bottom 45% of 5,298 profiles measured

How we calculate this

How this area ranks
Opportunity3647th of 6,210 ZIP areas measured51
GrowthTop 46% of 5,428 ZIP areas measured53
Housing affordability5353rd of 6,685 ZIP areas measured58
ClimateTop 36% of 6,789 ZIP areas measured74
Physical resilienceTop 48% of 6,709 ZIP areas measured60
Access6204th of 6,791 ZIP areas measured65
Economic stabilityTop 49% of 6,742 ZIP areas measured60
The quick read

Unemployment is 4.2% and median household income $83,253, putting employment conditions in the middle range of published ZIP profiles.

119 housing units were authorized over the past twelve months, within 5% of the prior year — steady rather than turning.

Buying strains local incomes far more than renting does — the median home is 6.0 times median household income, against a historic benchmark near three — while rent takes 24% of it.

At a glance

Population
40,917
2024 ACS 5-Year
Median household income
$83,253
Top 34% nationally
Density
715/sq mi
57.3 sq mi of land
Median age
34.9
2024 ACS 5-Year
City
Oak Harbor
Washington
Metro area
Oak Harbor, WA
Nearest major airport
BFI
57 mi · Boeing Fld/King County Intl
Median home value
$499,600
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 4.2% is lower than 60% of the 6,544 measured US ZIP areas.

Employment fell 1.5% over the past year, to 33,419 employed residents.

MetricValueCompared nationallySource period
Median household income ±$4,396$83,253Top 34%of 31,2952024 ACS 5-Year
Per capita income ±$1,618$39,272Top 41%of 32,8222024 ACS 5-Year
Poverty rate8.0%Bottom 36%of 32,9702024 ACS 5-Year
Average commute21.6 minBottom 19%of 32,8872024 ACS 5-Year
Bachelor's degree or higher27.5%Top 39%of 33,1932024 ACS 5-Year
Employment33,419Bottom 34%of 6,544June 2026
Employment change (3 years)-1.8%Bottom 22%of 6,542June 2026
Employment change (year over year)-1.5%Bottom 35%of 6,544June 2026
Labor force34,895Bottom 34%of 6,544June 2026
Labor force participation63.2%Top 40%of 33,2522024 ACS 5-Year
Unemployment change (year over year)0.5%Top 31%of 6,544June 2026
Unemployment rate4.2%Bottom 40%of 6,544June 2026
Median household income, successive ACS releases
202120222023202483k67k
Each point is a separate five-year estimate, most recently $83,253 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for Oak Harbor, WA, the city containing this ZIP code.

There are 17.2 students for every full-time teacher, more than in most measured places.

Public schools
12
2024-25 school year
Students per teacher
17.2
across all schools here
Math proficiency
Reading proficiency
SchoolDistrictStudentsPer teacherMathReading
Oak Harbor High SchoolOak Harbor School District1,56219.3
Oak Harbor Intermediate SchoolOak Harbor School District76717.4
North Whidbey Middle SchoolOak Harbor School District70516.4
Hillcrest ElementaryOak Harbor School District46014.8
Crescent Harbor ElemOak Harbor School District41914.4
Oak Harbor ElementaryOak Harbor School District41115.2
Olympic View ElemOak Harbor School District41112.8
HomeconnectionOak Harbor School District38564.2
Broad View ElementaryOak Harbor School District36913.7
Special EducationOak Harbor School District13519.3
iGrad AcademyOak Harbor School District11
Toddler Learning CenterCoupeville School District0

43.1% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Washington’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $1,672 takes 24% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 6.0 times median household income here, well above the historic benchmark, at a level conventionally described as seriously unaffordable.

Rent as a share of income
24.1%
Below the 30% cost-burdened threshold
Home price to income
6.0×
median home value ÷ median income
Median gross rent
$1,672
2024 ACS 5-Year
Median home value
$499,600
2024 ACS 5-Year
MetricValueCompared nationallySource period
Home price to income6.00Top 10%of 30,4042024 ACS 5-Year
Homeownership rate59.7%Bottom 16%of 32,9102024 ACS 5-Year
Housing units ±55717,882Top 5%of 33,7722024 ACS 5-Year
Median gross rent ±$55$1,672Top 16%of 26,6182024 ACS 5-Year
Median home value ±$19,906$499,600Top 13%of 30,9412024 ACS 5-Year
Rent as a share of income24.1%Top 17%of 26,4702024 ACS 5-Year
Vacancy rate9.7%Bottom 45%of 33,0282024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
53/ 100
Top 46% of 5,428 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

82% of recently permitted units are in buildings of five or more homes, so new supply is concentrated in apartments and condominiums rather than detached houses.

At 4.9 permitted units per 1,000 residents, building activity is above the median for measured US ZIP areas.

Units permitted
119
12 months ending July 2026
Per 1,000 residents
4.9
Top 31% nationally
Year over year
+5%
vs the prior twelve months
Multifamily share
82.4%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for Oak Harbor, WA, the city containing this ZIP code.

Weather & climate

5 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 69°F and January a low of 38°F.

Normal annual precipitation is 19.9 inches, including 5.4 inches of snow.

30°50°70°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station WHIDBEY ISLAND NAS, 2.7 miles from this location.
Precipitation
JFMAMJJASOND3.1"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation19.9"1991-2020 Normals
Annual snowfall5.4"1991-2020 Normals
Average January low38°F1991-2020 Normals
Average July high69°F1991-2020 Normals
Comfortable months51991-2020 Normals
Seasonal temperature swing19°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

60 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are earthquake, coastal flooding and tsunami.

EarthquakeHigh
Volcanic activityModerate
Coastal floodingElevated
TsunamiModerate
AvalancheModerate

Low or minimal exposure: landslide, ice storm, inland flooding, cold wave, winter weather, wildfire, heat wave, lightning, tornado, hail, strong wind.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences — they say nothing about burglary, theft or assault.

Island County records 2.4 homicide deaths per 100,000 residents a year, lower than most counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 13.9 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 16.2 per 100,000 residents in Island County.

Homicide
2.4
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
13.9
per 100,000 residents · under 10 deaths
Drug overdose
16.2
per 100,000 residents · under 10 deaths
Suicide
15.1
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Island County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around 98277 rather than 98277 itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
Offences reported to police are published by department rather than by town, and only where a department reported every month of the year. No municipal department reports for this place — many smaller communities are policed by the county — so there is no figure to show. A partial year is never scaled up to look complete, and arrest counts or news volume are never substituted for it.
Taxes
Taxes are not published: no source covers them nationally with a method open enough to check. Cost of living now is — the index above is the Bureau of Economic Analysis price parity for this area — but it is a price level for all consumption rather than a budget for a household, its spread is driven mostly by housing, and it excludes taxes. Housing affordability is computed separately from rent, price and income, because that answers a narrower and more actionable question. Nothing here is individualised tax advice.
Anything about a specific address
Every figure describes an area, not a street or a house. School attendance zones, insurance pricing and the character of a neighbourhood all vary within the places measured here.

Access

2 major airports lie within 100 miles, the nearest 57 miles away.

AirportCodeDistanceLongest runway
Boeing Fld/King County IntlBFI57 mi10,007 ft
Seattle-Tacoma IntlSEA62 mi11,901 ft
Grant County IntlMWH172 mi13,503 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2024-25 school yearDirectory annually; assessment results as EDFacts releases them

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

98277 vs Oak Harbor

How this ZIP area compares with Oak Harbor as a whole. Both figures come from the same ACS release, so the comparison is like for like.

98277
Oak Harbor
Median household income
$83,253
vs
$76,084
Per capita income
$39,272
vs
$36,377
Population density
715/sq mi
vs
2,521/sq mi
Median home value
$499,600
vs
$461,200
Median gross rent
$1,672
vs
$1,645
Homeownership rate
59.7%
vs
46.7%
Bachelor's degree or higher
27.5%
vs
28.9%
Poverty rate
8.0%
vs
8.3%
Median age
34.9
vs
31.5

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.